Harassment from Midwest Recovery Systems?

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Harassment from Midwest Recovery Systems?

Is Midwest Recovery Systems harassing you over your unpaid debt? Having debt does not translate into you being irresponsible. There are countless reasons why people fall into debt ranging from educational needs to health problems. Sometimes, people can be in debt and not even be aware until they are called by collection agencies like Midwest Recovery Systems. If Midwest Recovery Systems is calling you over an unpaid debt, the first thing you must know is that you have rights, and they deserve to be respected.

Debt collection calls are not usually the most exciting to receive; often MRS financial collection crosses the boundaries prescribed for it by the FDCPA and then becomes Midwest Recovery Systems phone harassment. There are only a few people who have good stories to tell about their experiences with debt collectors. Most stories about debt collectors include harassment and stress. The best way to get a debt collector off your back is by resolving your debt once and for all, however, this may not be the best option for you. Once you have confirmed that the debt is yours by requesting and receiving a debt validation letter, you must begin to find practical measures towards settling it and getting it off your credit report.

Above all, you should never put up with harassment from debt collectors. You have a right to demand that debt collectors respect your FDCPA (Fair Debt Collection Practices Act) rights and treat you with the dignity worthy of your person. If they fail to do so, you can be awarded up to $1000 for the violation of your FDCPA rights.

Call us now at 877-700-5790 if you believe that your consumer rights have been violated by MRS financial collection.

What should you do after you settle a debt?

Paying off debt is a very relieving experience. It makes you feel like a huge burden has been lifted off your shoulders which is exactly the case. You are finally able to catch a break from the countless calls and harassment emanating from Midwest Recovery Systems debt collection and your mind is finally at peace. You can now walk in new-found financial freedom.
However, paying off a debt doesn’t always make it go away. How? Debt collectors like midwest recovery are notorious for trying to bring back an already resolved debt and trying to collect on it again. You can only avoid this situation if you have proof that you have already previously resolved your debts. After you pay off a debt, do the following

  • Get written evidence of the debt resolution settlement agreement for yourself.
  • Print three copies of written settlement and mail one to each of the credit bureaus.
  • Check your credit records: You want to be sure the debt was cleared on your credit report. It may be useful in the future if your payment of that debt is disputed.

Zombie Debt

Almost everyone has heard of zombies. Thanks to Hollywood and its culture of horror movies, you’d have to be living under a rock not to know what a zombie is. Nevertheless, even though a lot of people know what a zombie is, not many people have heard of zombie debt.

Zombie debt gets its name because technically, it is debt that is “dead” because it’s uncollectible (as it may have exceeded the statute of limitations or have been discharged in bankruptcy or settled through a debt settlement agreement) but can be brought back to life through illegal actions on the part of the debt collector and ignorance on the part of the debtor.

You may be asking yourself: If the debt has been settled or discharged in bankruptcy, how then can it possibly creep up again to haunt me? Here’s how: once a first-party creditor writes off an account as uncollectible, they may choose to sell the account along with thousands of others to a debt buyer or third-party debt collector like midwest collection services who then begins to try every method within their power to get you to revive the debt so that they can make a profit on their investment.  You may think this will be a difficult task but getting an unsuspecting consumer to revive a zombie debt is really not difficult. All the debt collector has to do is get the debtor to agree (even over the phone) that the debt is theirs and that they owe it or to make a payment on the debt with automatically revives it and restarts the statute of limitations.

In many cases of zombie debts, the debt collector isn’t legally entitled to collect the debt from the consumer, either because the consumer doesn’t owe the debt or because the statute of limitations for collecting the debt has expired, therefore, having an expired or non-existent debt doesn’t save you from potentially falling victim to a zombie debt.

As a consumer, you are under no obligation to pay up a zombie debt, however, midwest collection services may not inform you that you are about to make a payment on a zombie debt, and instead try to convince you to make a payment of any amount, which would reset the clock on the debt and enable the debt collector to legally resume its collection activity.

When is a debt considered a zombie debt?

A debt is considered a zombie debt when it is beyond the statute of limitations for filing a legal action for collection. Most unethical debt collectors fail to provide the following disclosure informing the consumer in all written communication that:

(1) When collecting on a debt that is not past the date for obsolescence provided for in Section 605(a) of the Fair Credit Reporting Act, 15 U. S. C. 1681c: “The law limits how long you can be sued on a debt. Because of the age of your debt, midwest recovery systems, LLC cannot sue you for it. If you do not pay the debt, midwest recovery systems LLC may report or continue to report it to the credit reporting agencies as unpaid”; and
(2) When collecting on debt that is past the date for obsolescence provided for in Section 605(a) of the Fair Credit Reporting Act, 15 U. S. C. 1681c: “The law limits how long you can be sued on a debt. Because of the age of your debt, midwest recovery systems LLC cannot sue you for it and midwest recovery systems LLC cannot report it to any credit reporting agencies.”

Is Midwest Recovery Systems a Scam?

According to the Better Business Bureau website, Midwest Recovery Systems debt collection agency has been in business for 7 years. There have been 909 complaints filed against MRS with the BBB by dissatisfied consumers. Read more about it here: Midwest Recovery Systems Better Business Bureau

Who is Midwest Recovery Systems?

Midwest Recovery Systems is a third-party debt collector located in Earth City, Missouri. Midwest collections offers a diverse range of financial services consisting of everything from accounts receivable management to call center services

Contact Information

Address: 514 Earth City Plz

Earth City, MO 63045-1312

Phone: (844) 458-4805

Midwest Recovery Systems Phone Harassment?

Are you receiving any harassing phone calls from any of the following numbers?

888-253-3440, 855-232-4407, 844-458-4807, 844-458-4805, 314-720-2929, (888) 253-3440, (855) 232-4407, (844) 458-4807, (844) 458-4805, (314) 720-2929, 8882533440, 8552324407, 8444584807, 8444584805, 3147202929, 855-414-2149, 215-560-0025, 314-720-2919,

If the answer is yes, then you are receiving calls from a known MRS number. Contact us at 877-700-5790, as you may be a victim of MRS phone harassment.


The following is a sample list of complaints filed against Midwest Recovery Systems in the past year and can be found on Pacer.org.

2:17-cv-01067-JCM-VCF Szabo v. Midwest Recovery Systems

4:19-cv-00025-JTM-JPK Crider v. Midwest Recovery Systems

6:18-cv-01070-TMC Foster v. Midwest Recovery Systems

1:17-cv-04693-ELR Stringer v. Midwest Recovery Systems

2:15-cv-09293-MWF-KS Andrews v. Midwest Recovery Systems

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment emanating from MRS Debt Collection. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

Check out the links below for more information:


Missouri Attorney General

Consumer Finance


midwest recovery systems
Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.