Mirand Response Systems or MRS is a third-party collection agency based in Texas. MRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and threatening to take actions that cannot legally be taken. If you have been contacted by MRS, understand your rights before responding.
The harassing company pays our fees.
According to the Better Business Bureau (BBB), Mirand Response Systems, Inc. is a collection agency that uses the alternate business names, MirandCS, Inc.; MCPS Partners; and MCPS of Texas. The BBB established its profile page in 2006. Buzzfile estimates MRS’ annual revenue at $11.5million and the size of its headquarters staff at 150 employees.
According to its website, MRS “is a debt collection agency headquartered in Houston, Texas… and also has operations in Kingston, Jamaica.” MRS’ mission is “to provide…customers with the highest net return available in the collection industry while adhering to the highest standards of customer service and ethical conduct.”
The Mirand Response Systems website does not provide detailed information about the industries for which it collects delinquent debts. However, it does provide fairly detailed information about its business practices and services. MRS provides collection services for commercial and consumer clients. Their commercial collections division offers debt collection strategy counseling, procedural review, debtor review, collateral review, and collection action. Mirand Response Systems provides these “critical back office functions to free up time,” so clients can attend to business.
MRS’ consumer collections division employs their “First Call” program, in which clients “pay only for representatives in the seat, with no additional cost for management, quality assurance, facilities or telecommunication,” thereby reducing costs by “at least 50%.” In addition to initial phone contact, Mirand Response Systems also administers letter campaigns and a legacy program, in which older debts are tracked so that debtors whose financial situations eventually improve can be contacted again.
MRS’ “collector training program… focuses on security issues, federal regulations, state regulations, debtor psychology, skip tracing, credit reporting, and the latest in collection technology.” MRS’ collections staff “use firm, but diplomatic collection strategies designed to maintain goodwill and preserve the creditor’s reputation.” However, their Legacy page states that their ability to use credit reporting to influence debtor behavior has been restricted by“changes that are being made… in response to consumer advocacy changes by the regulatory organizations,” which implies a hostility toward consumer protection laws. In addition, their website does not provide links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
As of December 2017, the Better Business Bureau (BBB) has closed 8 complaints against Mirand Response Systems in the preceding 3 years, with 1 complaint closed in the past 12 months. Half of the complaints allege problems with billing and collections; the rest are split evenly between complaints alleging problems with advertising and sales and complaints alleging problems with customer service. As of October 2015, the Consumer Financial Protection Bureau (CFPB) has received 2 complaints about MRS. Justia lists at least 5 cases of civil litigation involving MRS.
Mirand Response Systems, Inc.
16211 Park Ten Place
Houston, TX 77084-7016
Telephone:(281) 579-4485
Website: http://mirandrs.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely MRS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. You can sue a debt collector. Here are some Sample Complaints
Complaints against Mirand Response Systems cite miscommunication; rude and hostile customer service; and disagreements about the accuracy of billing documentation and information reported to credit reporting agencies. In March 2015, a complainant indicated he had spoken with an MRS representative who offered to settle his debt. The complainant accepted the settlement offer in exchange for a paid-in-full letter and the removal of the item from his credit reports. The complainant “kept his end of the deal” by sending the settlement amount, but in return he only received the paid-in-full letter. The delinquent item continued to appear on his credit report despite assurances from Mirand Response Systems that it would be removed. The complainant alleged that it is “unethical for a company to use tactics like that to get a customer to pay an account when the company does intent to uphold the agreement.” The complainant insisted that he had been clear about the terms, indicating that he “even asked the question again to make sure he understood.” The complainant contacted MRS after reviewing his credit report to clarify why the terms of the agreement had not been fulfilled, and complained that the representative “was rude, misunderstanding what the complainant was told by the original customer service representative,” and “basically made it sound like he was an idiot.” The complainant asked to speak to a manager, who “basically put the phone on mute.”
MRS offered two responses. In the first response, they indicated that if “the account is paid in full, the credit reporting agency will remove the customer’s account from the credit report. The reporting company…. must remove it… and the customer should contact them to get it removed.” In the second response, Mirand Response Systems repeated their advice that “negative data will be removed” by the credit reporting agency, adding that if the complainant wished “to expedite the matter, he should contact the creditor… Since the creditor reported the data, the creditor must remove it. Mirand Response Systems cannot remove negative data.” MRS did not offer an explanation about why their name was associated with the negative item on the credit report.
Mirand Response Systems, Inc. Contact
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“I won’t be afraid to contact you or recommend your services to others for debt collection difficulties. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I am most grateful.”
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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