MS Services Phone Harassment?

If you’re getting repeated calls from MS Services LLC, it can quickly become stressful and draining. Whether you recognize the debt or not, constant calls can make you anxious about answering your phone.

What Is MS Services LLC? Is This a Legitimate Company?

Yes, MS Services LLC is a legitimate, nationally licensed debt collection agency not a scam. However, being a real company does not give them unlimited license to call you however and whenever they want.

MS Services LLC was founded in 1977 by CEO Daniel Price and is headquartered in Casper, Wyoming. It operates as a full-service third-party debt collection agency, meaning it collects debts on behalf of other companies not its own. Over nearly five decades of operation, it has grown to work with some of the largest banks, universities, healthcare providers, credit card issuers, and telecom companies in the United States.

Official Company Information (Verified via msservices.net and BBB):

• Full Legal Name: MS Services LLC
• Also Known As: MS Services, MSS, MS Services Inc, MS Services Casper WY
• Founded: 1977
• CEO: Daniel Price
• Headquarters: Casper, Wyoming
• Mailing Address: 123 W 1st St. #430, Casper, WY 82601
• Additional Address Listed: 637 W Yellowstone Highway, Casper, WY 82601
• Primary Phone: (800) 462-3111
• Official Website: msservices net
• BBB Accredited: Yes
• Type: Third-Party Debt Collector (LLC)
• Regulated Under: Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Telephone Consumer Protection Act (TCPA)

The important thing to understand and something we explain to every client is that being legitimate and being compliant are two entirely different things. MS Services LLC can be a real, operating company and still cross legal lines in how they contact you.

What Type of Debt Does MS Services LLC Collect?

MS Services LLC collects across a surprisingly wide range of industries, which is why consumers are sometimes caught off guard when they appear on a credit report or start making calls. Their client base is broad and has shifted over the decades.

According to their official website at msservices.net, industries they actively service include:

• Banking and Credit Cards: They represent some of the nation’s largest banks and credit card issuers for delinquent account recovery.
• Healthcare / Medical Billing: Their healthcare division has completed over five million telephone calls over a 35-year period. They collect for hospitals and medical practices while claiming to maintain “patient sensitivity.”
• Colleges and Universities: They work with higher education institutions on federal and private student loan defaults and housing-related account balances, maintaining what they describe as alumni relations.
• Telecom: They describe themselves as “second to none” in recovering telecom accounts receivable meaning unpaid phone, cable, or internet bills.
• Auto Loan Deficiencies: They provide both pre-collection programs and third-party collections specifically for auto loan deficiencies, including repossession-related balances and lease-end obligations.
• Utilities and Government Accounts: Unpaid municipal service accounts and tax-related obligations.
• Commercial and Business Debts: Unpaid business-to-business receivables.
• Consumer Debt Generally: Any overdue consumer account referred to them by an original creditor.

At Consumer Rights Law Firm PLLC, we have seen MS Services LLC appear on credit reports for debts as varied as old hospital bills, unpaid university housing balances, auto loan deficiencies after repossession, and even telecom accounts that clients did not recognize as theirs. This breadth makes verification essential because a wide-ranging collector is also a collector that gets it wrong more often.

Why Is MS Services LLC Calling Me?

MS Services LLC is calling you because a creditor such as a bank, hospital, university, telecom provider, or auto lender has placed your delinquent account with them for collection, or because they have purchased the debt outright.

When a consumer falls behind on a payment, the original creditor will typically attempt to collect internally for a period, often 90 to 180 days. If those efforts fail, the account is either sold to a debt buyer like MS Services or assigned to a third-party collector like them for a commission-based recovery effort.

Common triggers for MS Services contact our clients have described include:

• An old medical bill that went to collections without notice
• A university housing or tuition balance from years prior
• An auto loan deficiency remaining after a vehicle repossession and auction sale
• A charged-off credit card originally held by a major bank
• A telecom balance after account closure or dispute with the provider

One pattern worth noting is that our clients sometimes report having no idea why MS Services is calling them. This can happen for several reasons. The debt may belong to someone with a similar name, the account may be beyond the statute of limitations, the consumer may have been the victim of identity theft, or MS Services may have obtained a phone number through skip tracing that was never associated with the actual debtor. All of these scenarios carry different legal implications.

Is MS Services LLC a Scam?

MS Services LLC is not a scam. It is a real company that has operated for nearly 50 years. That said, our clients regularly ask this question, and it is understandable why. The calls can feel disorienting, especially when:

• You do not recognize the debt they are referencing
• The representative is evasive about which original creditor they are calling on behalf of
• The call uses an automated or robocall system and no live representative is available
• The same number calls back repeatedly without leaving identifying information

MS Services LLC official phone numbers you may see calling you:

• (800) 462-3111 Primary listed number
• (307) 266-3290
• (877) 535-4372
• (800) 500-4981
• (307) 266-3291

Note that MS Services may also contact consumers from numbers not on this list. If you receive a call from an unrecognized number claiming to be a debt collector, never share personal or financial details until you have verified the claim. Hang up and call (800) 462-3111 directly to confirm whether the contact is legitimate.

What Do MS Services LLC Reviews and Consumer Complaints Show?

Consumer complaints against MS Services LLC are consistent and well-documented across the BBB, CFPB, and consumer forums. At Consumer Rights Law Firm PLLC, the complaints we see in practice track closely with what is publicly reported.

Better Business Bureau (BBB) Complaints

MS Services LLC is BBB accredited, but their complaint file tells a more complicated story. You can review their complaint history directly at the official BBB profile:

→ MS Services LLC BBB Profile & Complaints

Among the complaints publicly available on the BBB, recurring themes include:

“This debt isn’t mine, and they won’t prove it is.”

One consumer filing stated: “I honestly don’t get why MS Services LLC is reporting this debt under my name because I don’t owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didn’t even bother to provide it.” MS Services responded by noting they represent their client’s account, but the consumer found this response unsatisfactory. This reflects a pattern we see regularly.

“The debt was caused by an institution’s error, not mine.”

Another BBB complaint described a consumer who received a collection notice from MS Services for a university housing balance caused by an error made by a college housing accountant, an employee who was later terminated for financial misconduct. The consumer was no longer enrolled at the school when the error occurred. This account dragged the consumer’s credit into the low 500s. MS Services stated they simply represent the client who placed the debt, not that the underlying debt was necessarily valid.

“They talk circles around you and hang up.”

A consumer review on the BBB described representatives who would “talk circles around me” when requesting a payment arrangement, then accuse the consumer of arguing before hanging up. This mirrors a tactic we hear about from clients where a consumer makes a reasonable request, is deliberately confused by a circuitous response, and then is blamed for the breakdown in communication.

The pattern in BBB complaints is not random. Our team reviews these filings closely, and what stands out is the consistent combination of: (1) alleged debts consumers dispute as inaccurate or not theirs, (2) MS Services pointing to their client relationship rather than substantiating the debt, and (3) consumers who feel dismissed rather than heard.

CFPB Consumer Complaint Database

The ’s public complaint database has received filings referencing MS Services LLC for debt collection issues.

CFPB complaints involving MS Services and similar companies typically fall into these categories:

• Failure to verify a disputed debt before continuing collection activity
• Inaccurate or incomplete reporting to credit bureaus
• Inability to provide documentation of the original account agreement
• Continued contact after a consumer requested written communication only

Consumer Forums and Community Reports

Across consumer finance communities, discussions about debt collectors like MS Services LLC frequently describe call patterns that feel harassing rather than informational. A common complaint is being contacted by a collector who refuses to identify the original creditor until the consumer verifies their identity first.

What Calling Tactics Has MS Services LLC Used?

Based on what our clients at Consumer Rights Law Firm PLLC have told us, MS Services LLC uses a set of contact tactics that, when combined, may cross the legal line from lawful collection into harassment.

• Calls That Sound Like Telemarketing Robocalls
  Multiple consumers report that calls from MS Services resemble telemarketing-style automated calls. There is often a pause after answering, followed by a prerecorded or scripted message. This has legal implications. Under the Telephone Consumer Protection Act (TCPA), using an automated dialing system or a prerecorded message to call a cell phone requires prior express written consent. Without that consent, each call may be a violation carrying up to $1,500 in statutory damages.
• Early Morning Calls at the Legal Boundary
  The law permits calls from 8 a.m. to 9 p.m. in the consumer’s local time zone. Clients have described calls arriving within minutes of that window opening, sometimes as early as 8:02 or 8:05 a.m. These calls may be technically legal, but they can still feel intrusive and disruptive.
• Multiple Calls Per Day Without New Information
  Clients frequently report receiving multiple calls in a single day from MS Services, even after already speaking with a representative. In those follow-up calls, no new information is provided. This pattern is addressed under the FDCPA, which prohibits contact intended to annoy, abuse, or harass. Courts have increasingly viewed repeated same-day calls after prior contact as evidence of that intent.
• Skip Tracing to Numbers You Never Provided
  MS Services promotes its skip tracing capabilities, meaning it uses third-party data sources to locate contact information that consumers may never have directly provided. If those numbers are then used for automated calls without consent, it may raise compliance issues under the TCPA.
• Calls That Do Not Identify the Company or Original Creditor
  Some consumers report receiving calls from representatives who ask them to verify their identity before disclosing who is calling. This approach is often used to confirm contact details. However, under the FDCPA, debt collectors are generally required to identify themselves. Failing to do so may be considered deceptive.
• Contacting References and Third Parties
  Clients have reported instances where MS Services contacted family members, former roommates, or personal references. The FDCPA allows limited third-party contact only to locate a consumer, not to disclose or imply that a debt exists. Any communication that suggests a collection matter to others may violate the law.

Has MS Services LLC Been Sued?

Yes. MS Services LLC has been a party to federal court litigation on multiple occasions.

According to publicly available legal research resources, MS Services LLC has been named as a defendant in federal court cases more than 35 times. These cases have involved allegations including:

• Violations of the Fair Debt Collection Practices Act (FDCPA)
• Attempting to collect debts that were inaccurate, disputed, or fraudulent
• Using illegal, harassing, or coercive communication tactics to pressure payment

You can search federal case records involving MS Services LLC directly on:

→ PACER Federal Court Records

While individual case details require PACER registration, the documented pattern 35+ federal cases is meaningful context. For a collection agency operating in Casper, Wyoming, that number represents a consistent history of consumers seeking legal relief from MS Services’s collection conduct. In our firm’s experience, agencies that accumulate this kind of federal litigation history tend to have systemic issues with how they train collectors, verify debts, and respond to consumer disputes not isolated bad actors within an otherwise compliant operation.

What Are Your Rights When MS Services LLC Is Calling You?

You have strong, specific, and legally enforceable rights against MS Services LLC under multiple federal laws. Understanding these rights is not just academic, it is the foundation of any effective response to collection harassment, and it is how our attorneys at Consumer Rights Law Firm PLLC build cases on behalf of our clients.

Your Rights Under the Fair Debt Collection Practices Act (FDCPA)

The FDCPA, found at 15 U.S.C. § 1692 is the primary federal law governing third-party debt collectors like MS Services LLC. It applies directly to them.

Under the FDCPA, MS Services LLC is legally prohibited from:

• Calling you before 8 a.m. or after 9 p.m. in your local time zone (§ 805)
• Calling repeatedly with intent to annoy, abuse, or harass; courts have found that multiple daily calls, especially after a consumer has already spoken to the collector, can meet this standard (§ 806)
• Using false, deceptive, or misleading statements; this includes misrepresenting the amount owed, the legal status of the debt, or the consequences of non-payment (§ 807)
• Using unfair or unconscionable means to collect, including collecting amounts not authorized by the debt agreement (§ 808)
• Failing to disclose their identity in communications; they must state who they are and that they are a debt collector (§ 807(11))
• Contacting third parties about your debt except to locate you, and even then only once (§ 805(b))
• Continuing collection contact after you send a written cease-and-desist; once you send a proper written request, calls must stop (§ 805(c))
• Reporting inaccurate information to credit bureaus; if the debt they are reporting is incorrect, disputed, or beyond the statute of limitations, that reporting may be challenged

What you can do under the FDCPA:

• Request debt validation in writing within 30 days of first contact; they must pause collection until they provide verification of the debt
• Send a cease-and-desist letter to stop all calls; after receipt, they may only contact you to confirm no further contact or to notify you of a specific action
• Sue MS Services LLC in federal court for FDCPA violations; you may recover up to $1,000 in statutory damages per case, plus actual damages and attorney’s fees. The attorney’s fees provision matters because it means many consumers can pursue these cases without paying upfront, as the violating collector may be responsible for those fees

Learn how to write a debt validation letter that actually works.

Your Rights Under the Telephone Consumer Protection Act (TCPA)

The TCPA governs how any company, including debt collectors, can use automated calling technology.

Under the TCPA, MS Services LLC must:

• Have your prior express written consent before using an automated telephone dialing system (auto-dialer) or a prerecorded message to call your cell phone
• Honor your revocation of consent if you withdraw it, orally or in writing
• Comply with the same 8 a.m. to 9 p.m. calling window requirement

What makes the TCPA especially powerful for consumers:

The TCPA provides statutory damages of $500 to $1,500 per illegal call or text. If MS Services LLC made 15 unauthorized robocalls to your cell phone, the statutory damages alone could reach $7,500 to $22,500 and you do not have to prove actual financial harm. You only have to show the calls were made without proper consent. Our attorneys at Consumer Rights Law Firm PLLC assess TCPA exposure in every case we review, because the per-call damages structure is one of the most effective tools consumers have.

Learn more about your rights under the TCPA.

Your Rights Under the Fair Credit Reporting Act (FCRA)

If MS Services LLC has placed a collection account on your credit report, the FCRA, 15 U.S.C. § 1681 governs the accuracy and completeness of that reporting.

Under the FCRA, you have the right to:

• Dispute inaccurate information directly with the three major credit bureaus, Equifax, Experian, and TransUnion and with MS Services LLC as the furnisher of the information
• Require that credit bureaus investigate your dispute within 30 days
• Have inaccurate, unverifiable, or outdated information removed from your report
• Collections accounts generally remain on your report for seven years from the date of first delinquency not seven years from when MS Services acquired the account, which is a common misconception collectors exploit
• Sue both credit bureaus and data furnishers for FCRA violations, recovering actual damages, statutory damages up to $1,000, and attorney’s fees

Learn How to dispute a debt and correct your credit report

How Many Times Can MS Services LLC Call Me in One Day?

There is no federal statute with a specific cap on daily calls, but courts have consistently ruled that multiple calls per day, especially after contact has already been made can constitute harassment under the FDCPA.

The FTC, which enforces the FDCPA alongside the CFPB, has issued guidance stating that repeated calls without a legitimate purpose indicate harassing intent. Courts in multiple circuits have found that two or more calls per day, particularly after a consumer has already spoken with the collector or requested cessation, is sufficient to support an FDCPA harassment claim.

Our clients at Consumer Rights Law Firm PLLC who report MS Services calling have described receiving:

• Two to four calls per day on active collection accounts
• Calls within the same hour after they have just ended a call with a representative
• Calls to their cell phone, home phone, and in some cases a workplace number, all on the same day

Every call is a data point. Document them all. Screenshots of your call log, saved voicemails, and a simple written log noting the date, time, duration, and nature of each call are the evidence that makes a legal case viable. We cannot build a case without that documentation, and the stronger your log, the stronger your position.

Can MS Services LLC Report Me to the Credit Bureaus?

Yes, MS Services LLC can report delinquent accounts to Equifax, Experian, and TransUnion. A collection account on your credit report is separate from the calls. One affects your credit, and one affects your peace of mind, but both can be challenged.

What MS Services can legally report:

• An account placed with them for collection
• The balance on the account
• The status of the account (open, paid, settled)

What they cannot do:

• Report information they know to be inaccurate
• Re-age the account (make it appear newer than it is)
• Report the same account twice under different names
• Continue reporting after a successful dispute has been resolved

If you believe their credit reporting is inaccurate, attorneys can help you file formal disputes and, if necessary, pursue FCRA claims. Inaccurate collection accounts can often be removed through proper dispute procedures.

Can MS Services LLC Sue Me?

Yes, they can, but lawsuits are relatively rare, especially for older or smaller debts. As a third-party collector, MS Services LLC has the authority to pursue legal action to collect an unpaid balance, including obtaining a court judgment that could lead to wage garnishment.

However, several factors limit this risk in practice:

• Statute of limitations: Every state sets a maximum period during which a creditor or collector can sue to collect a debt. Once that window closes, the debt becomes time-barred. While collection attempts may continue, a lawsuit generally cannot succeed. The timeframe varies by state and debt type, often between 3 and 6 years for many consumer debts.
• Cost vs. return: Litigation is expensive, and smaller debts often do not justify the cost. Collectors typically attempt contact-based collection before escalating to legal action.
• Potential counterclaims: If a collector has violated laws such as the FDCPA or TCPA, a consumer may have claims that offset or exceed the alleged debt.

If you receive court papers from MS Services LLC, do not ignore them. Respond within the timeframe stated in the summons and consider seeking legal guidance to evaluate possible defenses or claims.

How Do I Stop MS Services LLC From Calling Me?

The most reliable way to stop calls is to send a written cease-and-desist letter by certified mail. Here is a clear step-by-step process:

Step 1: Build your documentation file
Before taking action, gather evidence:

• Screenshot your call log showing dates, times, and numbers
• Save all voicemails
• Note details of each call, including whether it was a live agent or automated message and what was said
• Mark any calls made outside the allowed time window

Step 2: Send a written cease-and-desist letter
Prepare a letter revoking consent for phone contact and requesting all calls stop. Send it by certified mail with return receipt requested to:

MS Services LLC
123 W 1st St. #430
Casper, WY 82601

Keep copies and delivery confirmation for your records.

Step 3: Continue documenting
If calls continue after delivery is confirmed, document each one. Each call may represent a separate violation.

Step 4: File complaints with regulators
You can file complaints at no cost with:

• Federal Trade Commission (FTC)
• (CFPB)
• Federal Communications Commission (FCC)
• Better Business Bureau (BBB)
• Your state Attorney General

Step 5: Consider legal support
If calls persist or you believe violations have occurred, you can explore legal options. Many consumer protection cases allow recovery of attorney’s fees from the collector, meaning upfront costs are often not required.

Contact Consumer Rights Law Firm PLLC for a free case review →

How Consumer Rights Law Firm PLLC Can Help You With MS Services LLC

We are not just a law firm that studies debt collection from the outside. We deal with companies like MS Services LLC on behalf of our clients regularly and we have earned a 5-star rating on the BBB because of how we handle these cases: with transparency, urgency, and results.

Here is what working with our firm looks like:

• We review your situation first. A free case review means we listen, ask the right questions, and tell you honestly whether you have a viable claim. We do not take every case, we take the right ones.
• We take over communication. Once you are our client, MS Services LLC communicates with us, not with you. The calls stop being your problem.
• We build the evidence file. We help you organize your call logs, voicemails, and correspondence into a documented case file that meets the legal standard for FDCPA or TCPA claims.
• We pursue your case in federal court when violations are clear. Under the FDCPA and TCPA, attorney’s fees are recoverable from the violating collector which means in most cases, you do not pay us out of pocket. MS Services pays.
• We dispute inaccurate credit reporting simultaneously. If their collection account is hurting your credit score, we pursue removal alongside the harassment claim wherever both are warranted.

If MS Services LLC has been calling you, contacting your family, using robocalls without your consent, ignoring your requests to stop, or reporting a debt you dispute — you have options. You just need someone in your corner who handles this every day.

Contact Consumer Rights Law Firm PLLC — free consultation, no obligation →

Success Stories

• Consumer Rights Law Firm is amazing! Scott was A+ all the way! He helped get a debt collector to stop harassing me and calling nonstop. I honestly thought it wasn’t real at first when they said there’d be no out-of-pocket costs but Scott proved me wrong! He was so easy to talk to and really cared about helping me. He even got the debt completely removed and put a little extra change in my pocket. I was shocked. Thank you SO much, Scott! I’d 100% recommend Consumer Rights Law Firm PLLC to anyone dealing with the same kind of mess. Seriously, give them a call!
• Working with Matthew was quick and easy. He explained everything very well and got the things done and now I don’t have to worry about debt collectors coming to threaten me. He was able to get me a debt waiver and they’re taking it off my credit report, thank you so much for that. And I recommend him to anyone else looking for help! Had no fees or costs come out of my pocket! Would definitely go back to them if anything else comes about. Thank you so much! Derek also!
• from the beginning to end, this company went above and beyond for me and I NEVER paid a thing and those annoying collecting calls indeed stopped a week after the team said it would and we all WON! so very satisfied with Consumer Rights Law Firm!

Related Guides From Consumer Rights Law Firm PLLC

• How to Write a Debt Validation Letter — Step-by-Step Guide →
• How to Dispute a Debt Collection Account on Your Credit Report →
• Your Full Rights Under the FDCPA — Plain Language Guide →
• Your Full Rights Under the TCPA — Robocall and Auto-Dialer Rules →
• What to Do When a Debt Collector Contacts Your Family or Employer →

Frequently Asked Questions