Is MRS Associates harassing you?
Is MRS associates calling you ceaselessly over a debt? Everyone who has been in a debt has one or two stories to share about debt collectors and their various collection tactics. Debt collectors like MRS associates are tasked with the job of getting you to resolve your delinquent debts. MRS Associates is a debt collection company and one of several debt collection agencies that pursue unpaid accounts. In case you ever wondered why MRS associates puts so much effort into getting you to pay your debt, it is because when a debt collector successfully recovers a debt from a debtor, the debt collector gets paid. So don’t be surprised when MRS associates debt collection agency is relentless in their efforts to get you to pay up on specific accounts they claim you owe money on.
If you’re in a very bad financial state, you may be tempted to ignore a debt collector to evade the responsibility of paying your debt, this is not advisable because failing to pay debt collectors early leads to future complications. furthermore, you have rights protected by the FDCPA and the TCPA which a debt collector must respect so you do not have to be scared of a debt collector. All communication from debt collectors must be respectful and comply with the law.
MRS associates phone harassment is unlawful and a violation of your rights. If MRS associates does not wish to have a lawsuit filed against them, they must act legally and cannot make false claims about the debt. They must act in accordance with the FDCPA (Fair Debt Collection Practices Act), which insists that they must respect your rights in the context of debt collection. Under the Fair Debt Collection Practices Act, you can receive compensation and recover money for the violation of your rights. Statutory damages are up to $1000.
Should you ignore a debt collector’s calls?
Ignoring a debt collector is not a wise decision because it has many disadvantages. It is a costly decision that can have serious unintended consequences in the long run. Unpaid bills can be sent to debt collectors like MRS Associates, often after creditors have tried to collect the debt themselves. Ignoring calls from MRS financial collection may have the following disadvantages.
- Lawsuits: If during the process of MRS associates debt collection you start ignoring their calls, creditors can choose to sue you over the debt. This may lead to the garnishment of your paycheck, seizure of your assets, or even a lien being placed on your property.
- Credit report impact: Ignoring MRS associates collection agency calls means not facing your debt. This does nothing to help improve your credit score.
- May affect your quality of life: If your credit score is negatively impacted, then this will affect you because your credit score determines whether or not you will have access to certain benefits and services.
- Persistent calls from debt collectors: Choosing to ignore debt collectors won’t make them stop calling you.
- Larger debt sums: As you ignore your debt collector, the interest rate on the debt keeps increasing. This may lead to you having to tackle an unexpectedly large sum when you are finally ready to face your debts.
In most states, the laws regarding debt collection and what creditors can do to recover debts, such as seizing assets or placing a lien on property, vary.
The best ways to deal with debt collectors
If you’ve fallen behind on your credit card payment, then you may start getting calls from MRS associates inc or any other debt collector soon. It’s bad enough knowing that you owe but having to deal with debt collectors makes everything worse.
Debt collectors calls most timed are disturbing and inconveniencing because, debt collectors hardly give up. They persist until you are tired, exhausted, and forced to bend to their demands.
In order to handle associates collection agency calls well, you need the right knowledge because, when it comes to dealing with debt collectors, one wrong step can ruin everything for you.
The best way to handle debt collectors is to be calm, listen, ask the right questions, and respond logically.
When a debt collector calls you claiming to be from MRS associates inc or any other collection agency, don’t just take their word for it. Ask as many questions as possible, especially if you suspect a scam or if you’re sure you don’t owe anyone debt. Ask questions about the debt collection agency and their address, ask about the original creditor, and ask about the debt. If you’re still unsure of the debt, make a debt validation request. It is important to verify the debt and the collector’s identity before taking any action. Always focus on verifying the details of the debt before entering into any agreement.
Speak respectfully to MRS financial debt collection agency and ensure they’re not violating your rights. If they violate your rights, you can calmly ask them to stop or file a complaint against them. If they persist, get evidence of their harassment and speak to a qualified consumer rights attorney.
Debt collectors may be scary, but they are not monsters. A proper understanding of your financial situation, the options available to you, and your rights under the FDCPA will help you handle the situation well. It is also important to be able to explain your circumstances clearly to the collector, as this can help during negotiation. During negotiation, you may be able to get the collector to accept a lower settlement amount, which can be beneficial for resolving your debt. Once a settlement is reached, make sure to document the final transaction to protect yourself and ensure the terms are honored.
Is MRS Associates a Scam?
According to the Better Business Bureau website, MRS Associates has been in business for 27 years. There have been 77 complaints filed against MRS by dissatisfied consumers with the BBB. Read more about it here: MRS Associates Better Business Bureau
Who is MRS Associates?
MRS Associates, also known as MRS BPO, is a third-party debt collector located in Cherry Hill, New Jersey. They have been sued in federal court over 380 times for allegedly violating consumer’s rights while collecting on alleged debts. MRS Associates was founded in 1991 and claims to have collected over 1 billion dollars since 2005. They collect on several different kinds of debts including, retail, education, utilities, health care, and financial services. MRS associates have an extensive history of harassing consumers over the non-payment of their debts.
Contact Information
Address: 1930 Olney Ave
Cherry Hill, NJ 08003-2016
Phone: (856) 988-9122
MRS Associates Phone Harassment?
Are you receiving any harassing phone calls from any of the following numbers?
800-932-5786, 866-356-7014, 856-988-9122, 800-819-3372, 866-356-7011, 866-356-7015, 800-932-4390, 800-840-6845, 800-716-6458, 800-895-5733, (800) 932-5786, (866) 356-7014, (856) 988-9122, (800) 819-3372, (866) 356-7011, (866) 356-7015, 800-932-4390, (800) 840-6845, (800) 716-6458, (800) 895-5733, 8009325786, 8663567014, 8569889122, 8008193372, 8663567011, 8663567015, 8009324390, 8008406845, 8007166458, 8008955733, 855-385-0573, 866-240-4094, (508) -306-4623, (706) 780-5042, 469-208-3816,
If the answer is yes, then you are receiving calls from a known MRS number; you may be a victim of MRS phone harassment. Call us now on 877-700-5790 as you may be an unsuspecting victim of debt collection harassment.
How to Validate a Debt from MRS Associates
When you’re contacted by MRS Associates or any debt collection agency, one of the most important steps you can take is to validate the debt before making any payment. Under fair debt collection practices, you have the legal right to request a debt validation letter from MRS Associates. This letter should provide key details such as the name of the original creditor, the total amount owed, and the date of your last payment.
To initiate this process, send a debt validation notice to MRS Associates via certified mail. This ensures you have a record of your request and the date it was sent. In your letter, clearly state that you are requesting verification of the debt and ask for all supporting documentation. Keep copies of all letters and records of phone calls or other communications with MRS Associates.
Debt collectors are required by law to provide this information. If MRS Associates fails to validate the debt, they may be in violation of the Fair Debt Collection Practices Act (FDCPA), and you could have grounds for legal action. Validating a debt not only protects you from paying a debt you may not owe, but also helps you ensure that all collection activities are legitimate and accurate.
How MRS Associates Can Affect Your Credit Report and Score
Dealing with MRS Associates can have a direct impact on your credit report and credit score. When a debt collection agency like MRS Associates reports an outstanding debt to the credit bureaus—such as Equifax, Experian, or TransUnion—it can significantly lower your credit score and remain on your credit report for up to seven years. This negative mark can affect your ability to get loans, credit cards, or even certain jobs.
If MRS Associates pursues legal action and obtains a judgment against you, the damage to your credit report can be even more severe. However, you have the right to dispute any inaccurate information with the credit bureaus. If you believe there is an error, you can file a dispute and request an investigation. The Better Business Bureau (BBB) is also a valuable resource for guidance on dealing with collection agencies and understanding your rights.
By staying proactive—reviewing your credit report regularly, disputing errors, and working with MRS Associates to resolve legitimate debts—you can protect your credit and minimize the long-term impact of debt collection.
Understanding the Statute of Limitations on Debt
The statute of limitations on debt is a crucial legal concept that can affect your dealings with MRS Associates and other debt collectors. This statute sets a time limit—usually between 3 and 10 years, depending on your state and the type of debt—during which a debt collection agency can sue you to collect a debt. Once the statute of limitations has expired, MRS Associates may no longer have the legal right to take you to court for payment.
However, be cautious: making a payment or even acknowledging the debt in writing can restart the statute of limitations, giving collectors a new window to pursue legal action. That’s why it’s important to know the specific statute of limitations for your debt and to consult with a lawyer or financial advisor before making any decisions.
Understanding these limitations can help you negotiate more effectively, protect yourself from unnecessary legal action, and make informed choices about settling or disputing old debts.
Debt Relief Options if You’re Struggling with MRS Associates
If you’re finding it difficult to pay what you owe to MRS Associates, you’re not alone—and you do have options. One approach is to work with debt settlement companies, which can negotiate with MRS Associates on your behalf to potentially reduce the total amount you owe. Another option is credit counseling, where a professional can help you create a realistic plan to pay off your debt and improve your financial health.
You might also consider negotiating directly with MRS Associates to set up a payment plan that fits your budget. In some cases, debt management plans or debt consolidation loans can provide relief by combining multiple debts into a single, more manageable payment.
Before choosing any debt relief option, carefully review the terms and seek advice from a reputable financial advisor or credit counselor. Taking action now can help you regain control of your finances, reduce stress, and avoid further collection activity.
The following is a sample list of complaints filed against MRS Associates in the past year and can be found on Pacer.org.
1:18-cv-00737-LY Pittman v. MRS BPO, L.L.C.
2:18-cv-05617-CMR GRASSIA v. MRS BPO, LLC et al
1:18-cv-04039 Cameron v. MRS BPO, L.L.C.
2:19-cv-00047-WJM-MF KAMP v. MRS ASSOCIATES et al
0:18-cv-60245-WPD Rivas v. MRS BPO LLC
Last Resort: Taking Legal Action Against MRS Associates
If you’ve tried to resolve your debt issues with MRS Associates and are still facing harassment or unfair treatment, taking legal action may be your last resort. If you believe MRS Associates has violated the Fair Debt Collection Practices Act or other consumer protection laws, you can file a complaint with the Federal Trade Commission (FTC) or your state Attorney General’s office.
In some cases, you may be able to file a lawsuit against MRS Associates to recover damages and hold them accountable for their actions. It’s essential to consult with an attorney who specializes in debt collection and consumer law to determine the best course of action for your situation.
Keep detailed records of all communications, including phone calls, letters, and emails, as these can be crucial evidence if you decide to pursue legal action. By standing up for your rights and seeking legal help, you can protect yourself and ensure that MRS Associates is held responsible for any unlawful practices.
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 MRS Associates. 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.
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