MRS Associates: What To Do If You Are Being Collected by Them?

MRS Associates is a debt collection company that has been in business for many years. They are well-known for their unappealing business practices, often leaving consumers annoyed and confused. MRS debt collectors usually try to dictate the conversation, and they can be very disrespectful.

This article will provide you with everything you need to know about MRS Associates, your rights, and how to respond to MRS debt collectors when they contact you about a debt. We’ll get right to it.

How Does MRS Associates Work?

MRS Associates, also known as MRS Innovative Solutions and MRS BPO LLC, is a debt collection company that mistreats consumers. They collect money from various industries, including commercial, e-commerce, parking, road tolls, financial services, technology, telecommunications, utilities, education, auto, and retail.

Companies from these industries hire MRS Associates to follow up on overdue debt. They give MRS collections an agreed percentage of the money they succeed in collecting. Alternatively, they may also buy your debt account from their clients. The client could be a creditor or another debt collection agency that has not managed.

MRS Associates is a debt collection agency with a long history of complaints and poor customer reviews. Their aggressive and unfriendly collection methods have made them a source of frustration for many people who owe money.

Their contact information is as follows:

Physical Address: 1930 Olney Ave, Cherry Hill, NJ 08003-2016

Phone Number: (888)-334-5677

MRS Associates website: http://www.mrsbpo.com

Debt collectors like MRS Associates can be a real hassle to deal with. They often use aggressive tactics and can be very uncooperative.

MRS Associates uses various methods to contact debtors, including phone calls, emails, and even personal visits. While some consumers appreciate the company’s efforts to collect on a debt, others feel that MRS Associates is excessively aggressive in its approach.

For example, some consumers have reported being called multiple times daily by MRS Associates’ agents. In addition, the agents often call early in the morning or late at night, which can be very disruptive. Additionally, many consumers find the agents rude and disrespectful, making them uncomfortable.

MRS Associates Has a Lot of Negative Reviews and Complaints

MRS Associates has been bombarded with complaints and has had to change its name. So, it’s no surprise you’re frustrated with the company.

As of 2022, MRS Associates has received 256 complaints on its Better Business Bureau profile. And unfortunately, the Consumer Financial Protection Bureau reported 137 complaints against MRS in the same period.

These complaints mention the following:

• MRS Associates calls multiple times a day to discuss the debt.
• MRS reports fraudulent debts to the credit bureaus.
• When consumers try to pay off a debt, MRS does not mark the debt as paid and keeps requesting the same amount.
• MRS sends settlement letters to bait consumers into calling them to pay off the debt, but when consumers do so, they’re told the settlement offer has expired. MRS does this to get more money out of the consumers.

Let’s take a look at an example from the MRS Associates BBB profile.

“Keep calling at least twice a day and refuse to identify yourself or state reason for business on a message, so I called in more than once. I am more than capable of establishing they are trying to collect a debt from someone who is not me, but they will not remove my phone number or cease contact unless I give them my first and last name and other information to “verify me” in their system. I don’t have anything on my credit report from this company; I don’t know what they claim, but never once could they tell me anything or even acknowledge that I requested not to be called because I “refused to verify myself.”

You have consumer rights under the Fair Debt Collection Practices Act that protect you from specific tactics used by MRS Associates. Learn about these rights so you can safeguard yourself against potential abuse.

MRS Associates is Regulated By The FDCPA

Debt collection can be tricky and confusing, especially when you’re unfamiliar with your rights under the law. It’s important to know what debt collectors can and cannot do according to fair debt collection practices to protect yourself from potential abuse.

Many laws and regulations govern how debt collectors operate, including the Fair Debt Collection Practices Act. This act was established to protect consumers from unfair or to harass behavior from debt collectors. Unfortunately, many debt collectors choose to ignore these laws, including MRS Associates.

As with any other debt collector, MRS Associates must also follow the rules set by Fair Trade Commission when collecting debts.

The FDCPA protects consumers from being harassed by debt collectors. Some of the things that debt collectors are not allowed to do:

-Call you at work when your employer prohibits such communications.

-Call you before 8 am or after 9 pm.

-Lie about who they are.

-Threaten to harm you or members of your family physically or financially.

-Use obscene or profane language during phone calls or other communications.

-Discuss your debt with your friends, family members, or coworkers.

-Threaten to take legal action against you that they cannot, or do not plan to, take.

All of these tactics are used by MRS Associates in an attempt to get consumers to pay off their debts. However, these tactics violate the FDCPA and, therefore, are illegal.

Here are Some Options You Can Use to Fight Them

You can do a few things to eliminate debt collectors and their information on your credit report. First, you can try to negotiate with the collector. You may be able to agree to a payment that benefits both of you.

Second, you can file a dispute with the credit bureau. This will force the bureau to investigate the debt and remove it from your report if they find it invalid.

Credit Repair

Plenty of guides promise to show you how to repair your credit and remove negative entries from your report. But before you spend money on a guide, it’s essential to understand what kinds of access can be removed and how this will impact your score.

Charge-offs, collections, and judgments are all negative entries that can be removed from your credit report. However, no guarantee removing these items will improve your score.

There are a few things you can do to try and improve your credit score, especially after collections: 

First, get a copy of your credit report from all three major credit reporting bureaus. Experian, TransUnion, and Equifax must provide you with a free copy of your credit report annually by law.

Once you have your reports, go through them carefully to look for any inaccuracies or debts that don’t belong to you. MRS Associates may have entered the wrong information on your credit report or included debt you don’t owe. Write a dispute letter to the three credit bureaus disputing the entries and requesting that they be corrected or removed.

Next, focus on paying down debts that belong to you. The best way to improve your credit score is by paying off your debts and then asking MRS Associates to delete the debt from your credit report.

You can do several things to help improve your credit score and fix your credit report. One option is to try and negotiate with a collection agency to have them remove debt from your account once you have paid an agreed-upon amount. Another is to keep better track of all communications with debt collectors, including taking accurate notes. Doing these things can take some time, but they can be beneficial in repairing your credit.

Keeping track of all interactions with MRS Associates, a debt collection agency, is essential. This includes logging:

• The number of times they call
• The agent’s name
• The number used to contact you
• The time of day
• The length of your conversation

Having this information can help take legal action against MRS Associates. Make sure also to save any mail sent from them.

Validate Your Debt

Are you dealing with an old debt you’re not sure is valid? Debt collectors may try to collect on outdated debts, intentionally or unintentionally. However, you have the right to request debt validation.

This process is relatively simple and can help determine whether you owe the debt.

MRS Associates Should Receive a Debt Validation Letter

Debt validation is a process that can help you confirm that you owe a particular debt and the amount. This can be important to avoid paying more than you owe or being sued for debts that may not be legitimate. In some cases, validation may also reveal that the harassment you are experiencing from creditors is unfounded. 

For example, just because MRS Associates has one of your old bills does not necessarily mean you owe them money. However, unless you go through the validation process, it can be challenging to know for sure. Luckily, the law dictates that MRS Associates must cease all attempts to collect payment from you once they have received notice of your validation request.

The time limits for debt collection vary by state and type of debt. For example, the statute of limitations for car loans in most states is four years, while the rule for credit cards is usually six years. The clock on the statute of limitations starts when a payment is missed on a debt account.

Making any payment on the account resets the clock. So, knowing the statute of limitations for your specific type of debt in your state is essential before agreeing to make payments to a debt collector.

An example to consider is when someone defaults on an auto loan repayment. The creditor may realize that the debt is due to expire soon, so they hire a collection agency to try and collect from the person. The agents might start calling multiple times a day and threatening legal action.

Even though the lawsuit may be sent via certified mail, the debt will likely expire before any legal action can be taken against the person for not responding.

Obtain a Settlement For Your Debts

There are a few things you can do to try and settle your debt with MRS Associates. Start by confirming that the debt belongs to you. Once you’ve done that, reach out to MRS collections and let them know you’re interested in settling the debt through negotiation.

Have an idea of how much you’re willing to pay – this should be an amount you can comfortably pay without defaulting. Remember that MRS collections may have only paid pennies on the dollar for the debt, so they may be open to accepting a lower amount (up to 50% less). In some cases, the creditor is happy to receive any payment, even if it’s only a fraction of the total debt.

For example, say you have an $1100 debt. You could start by negotiating at $450. MRS collections may begin with an offer of $850.

Is It Possible for MRS Associates To Sue Me for Debt?

To beat MRS Associates in court, you must respond to their lawsuit with a written Answer. Here are three steps to follow when doing so:

1. When you receive a Summons and Complaint, you are being sued for a debt. The Summons is a notification of the lawsuit, while the Complaint lists the specific claims made against you by the plaintiff. In your Answer document, you can deny, admit, or claim a lack of knowledge to each claim made in the Complaint. Most attorneys recommend denying as many claims as possible.
2. Be sure to include any affirmative defenses you may have in your case. An affirmative defense is any legal argument or reason the plaintiff should not win the case. For example, one common affirmative defense is the statute of limitations – meaning that too much time has passed since the event occurred.
3. You must submit your Answer to the court and send a copy to MRS Associates. To ensure your documents are received, we recommend sending them via certified USPS mail with a return receipt requested.

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