MRS Associates is a third-party debt collector based in Cherry Hill, New Jersey, with a second office in Westerville, Ohio. The company was founded in 1991, giving them over 25 years of experience in the field of debt collecting. They claim to have collected close to $1 billion since 2005. The family-owned debt collection agency, which is also known as MRS Associates, employs more than 500 people between their multiple offices.
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MRS Associates is a legitimate collection agency with an extensive history of harassing consumers over debt. It conducts first-party and third-party collections on behalf of a variety of industries, including retail, education, financial services, healthcare, telecommunications, and utilities. MRS BPO reaches consumers via letters and telephone calls, and utilizes skip tracing to collect and update information on consumers. They rank consumers according to their likelihood to pay, and submit reports to the major credit bureaus.
As of April 2017, the Better Business Bureau reported 81 closed MRS Associates complaints within the previous three years, including 29 closed complaints within the previous 12 months. The BBB gives MRS BPO an A+ rating. In addition, Justia lists 38 MRS BPO complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act. Furthermore, the Consumer Financial Protection Bureau (CFPB) lists 68 closed complaints for 2016.
MRS BPO, LLC
1930 Olney Ave
Cherry Hill, NJ 08003
Phone Number: 888-334-5677
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely MRS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here is a Sample Case Filed in Federal Court
In 2013, a magistrate judge in U.S. District Court, Middle District of Florida, granted partial summary judgment to the consumer in Dauval v. MRS BPO for alleged violations of the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act. According to the magistrate judge’s decision, the undisputed facts were that Chase Bank hired MRS BPO to collect a credit card debt from the consumer, and MRS Associates called the consumer’s workplace more than 23 times. During three of the calls, the debt collector spoke to a person. The first two times, the debt collectors left messages with a reference number. Then, the consumer called and told MRS Associates not to call him at work because he could get fired. The debt collector noted on his record not to call his work. Then another of the agency’s debt collectors called the consumer’s work and left a message. The consumer again called and said he couldn’t get phone calls at work, and that he was filing for bankruptcy. The debt collector removed his work number so that he couldn’t be called there again. The consumer alleged that the debt collector told him the calls would continue until he provided her bankruptcy information. The court determined that MRS Associates had violated provisions of the FCCPA and the FDCPA, and granted partial summary judgment.
So as to prevent the abusive practices of some debt collectors, Congress passed a law that prohibits debt collectors from engaging in aggressive behavior. The Fair Debt Collection Practices Act (FDCPA) is meant to stop collection agencies from harassing consumers. Specifically, the FDCPA mandates that debt collectors refrain from using profanities and obscene language towards customers. Debt collectors are also not permitted to use violence or the threat of violence or property destruction to attempt and collect on a debt. “Debt collector” means a third party service that’s attempting to collect on a debt which you originally owed to somebody else. By way of example, if you got a credit card from shop X and owe them money, they’re not considered a debt collector since they’re not a “third party.” However, should they hire a debt collection agency or sell the debt to another company, which is extremely common if the debt isn’t paid in a particular length of time, then that agency is a “debt collector.”
Consumers may use the FDCPA for their benefit. The law allows consumers who have been victims of harassment from debt collectors to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Consumers have reported this agency harassing them from the following numbers:
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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