Monarch Recovery Management Phone Harassment?

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Monarch Recovery Management Phone Harassment?

When a debt collector like Monarch Recovery Management (MRM) first starts getting in touch with you, they are obligated to let you know what your validation rights are. Your validation right, simply put is your right to know what the debt is about and who the original creditor is. You do not owe Monarch Recovery Management (MRM). They are a collection agency which means that they possibly bought your delinquent account or were given access to it by your original creditor. Thus, after first contacting you, MRM has to first send you a written notice that says that you have the right to dispute the debt within the first 30 days of getting the letter.

You also have the right to seek validation of the debt within the first 30 days even if they failed to tell you about your right to dispute it. When you seek validation for the debt, all Monarch Recovery Management debt collection activities should be stopped immediately until they have validated the debt.

Once they receive your debt validation request, they have two options; either to stop the collection altogether or send you sufficient proof of the debt.

It is also important for you to know that there are rights that protect you from Monarch Recovery Management (MRM) debt collection harassment. If MRM is threatening you or using profane and obscene words in their communication with you, they are harassing you and that is a violation of your rights.

You have the legal right to stop Monarch Recovery Management phone harassment. If a collection agency violates your rights under the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with your attorney fees, alongside other additional costs.

Tips for dealing with debt collectors

Dealing with Monarch Recovery Management debt collection does not have to be an arduous task. With the right knowledge, you will handle the situation well without having to go through stress.

  • Be aware of your rights. This singular tip helps boost your confidence. When you know that there are rights that protect you from harassment, you will be bolder in speaking with debt collectors.
  • Never lose your cool. Debt collectors can sometimes be a pain. But you shouldn’t let them get to you. Keep your emotions under control and speak logically with them. If there’s a case of Monarch Recovery Management phone harassment, don’t let it scare you. They are the ones on the wrong side of the law.
  • Always document your phone conversations during Monarch Recovery Management debt collection. By law, they should identify themselves when they call you. Write down the name of the debt collection representative, the agency name, and contact information. Ask for the name of the original creditor, the original balance amount, and the current balance amount. You should also document the time, date, and duration of each call.
  • Another thing you should document is any suspected debt law violation. If it’s a case of MRM phone harassment, write the time, and date that it occurred. If the violation occurred in a voicemail, be sure to save the voicemail. You may be able to sue, counter sue, or use it as leverage when you’re negotiating on that debt.
  • Never pay off a debt without having written evidence. Of course, you should pay a debt that you legitimately owe, however, never pay a dime if there is no written document. Particularly if the debt collector has agreed to a settlement. Ensure that you have the document showing that they have agreed to the settlement and you have paid it, just in case you need to defend it in the future.

Is Monarch Recovery Management a Scam?

MRM is a legitimate and nationally recognized debt collection organization. According to the Better Business Bureau website, Monarch Recovery Management has been in business for 45 years. There have been 28 complaints filed against MRM with the BBB. Read all about it here: Monarch Recovery Management Better Business Bureau

Who is Monarch Recovery Management?

Monarch Recovery Management is a third-party debt collector located in Philadelphia, Pennsylvania.

Contact information

Address: 3260 Tillman Dr Ste 75

Bensalem, PA 19020-2059

Phone: (215) 281-7500

MRM Phone Numbers

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

215-281-7500, 800-220-0605, 844-280-6824, 844-205-2138, 215-320-0424, 215-613-1212, 800-441-6881, 800-640-9072, 866-227-0605, 855-880-6086, 855-880-6084, 855-881-0745, (215) 281-7500, (800) 220-0605, (844) 280-6824, (844) 205-2138, (215) 320-0424, (215) 613-1212, (800) 441-6881, (800) 640-9072, (866) 227-0605, (855) 880-6086, (855) 880-6084, (855) 881-0745, 2152817500, 8002200605, 8442806824, 8442052138, 2153200424, 2156131212, 8004416881, 800-6409072, 8662270605, 855-8806086, 8558806084, 8558810745

If the answer is yes, then you are receiving calls from a known MRM number. You may be a victim of MRM phone harassment.  Do not hesitate to reach out to us jow at 877-700-5790 if you have been a victim of debt collection harassment during any of the phone calls you have received from MRM.

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

2:18-cv-02400-TLN-AC Jefferson v. Monarch Recovery Management

1:12-cv-21446-UU Hoover v. Monarch Recovery Management

1:11-cv-03378-JHR-KMW Shute v. Monarch Recovery Management

1:11-cv-05317-JG-JO McPhatter v. Monarch Recovery Management

2:12-cv-04921-JFB-AKT Leriche v. Monarch Recovery Management

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 you may currently be receiving from Aspen National Financial, Inc. 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:


Pennsylvania Attorney General

Consumer Finance







Monarch Recovery Management
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.