MRS Associates or MRS BPO LLC, is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is MRS Associates?
MRS Associates or MRS BPO is a third-party collection agency based in New Jersey. MRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to provide written verification of debts and threatening to take actions that cannot legally be taken. If MRS has contacted you about delinquent collection items, make sure you understand your rights before taking action.
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Is MRS Associates a scam?
They’re legit. According to the Better Business Bureau (BBB), MRS Associates was founded in 1991 and incorporated in NJ in 2007. The BBB established a profile page for MRS in 2006, and MRS BPO is currently not an BBB-accredited business. The BBB lists MRS Associates as a collection agency. Buzzfile estimates MRS’ annual revenue at $32.7 million and the size of its headquarters staff at 700 employees
Who does MRS Associates collect for?
MRS Associates conducts first-party and third-party collections on behalf of a variety of industries, including retail, education, financial services, healthcare, telecommunications, and utilities. MRS BPO reaches consumers via letters and telephone calls, and utilizes skip tracing to collect and update information on consumers. They rank consumers according to their likelihood to pay, and submit reports to the major credit bureaus.
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.
How many complaints are there against MRS Associates?
As of April 2017, the Better Business Bureau reported 81 closed MRS Associates complaints within the previous three years, including 29 closed complaints within the previous 12 months. The BBB gives MRS BPO an A+ rating. In addition, Justia lists 38 MRS BPO complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act. Furthermore, the Consumer Financial Protection Bureau (CFPB) lists 68 closed complaints for 2016.
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!
In 2013, a magistrate judge in U.S. District Court, Middle District of Florida, granted partial summary judgment to the consumer in Dauval vs. MRS BPO for alleged violations of the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act. According to the magistrate judge’s decision, the undisputed facts were that Chase Bank hired MRS BPO to collect a credit card debt from the consumer, and MRS Associates called the consumer’s workplace more than 23 times. During three of the calls, the debt collector spoke to a person. The first two times, the debt collectors left messages with a reference number. Then, the consumer called and told MRS Associates not to call him at work because he could get fired. The debt collector noted on his record not to call his work. Then another of the agency’s debt collectors called the consumer’s work and left a message. The consumer again called and said he couldn’t get phone calls at work, and that he was filing for bankruptcy. The debt collector removed his work number so that he couldn’t be called there again. The consumer alleged that the debt collector told him the calls would continue until he provided her bankruptcy information. The court determined that MRS Associates had violated provisions of the FCCPA and the FDCPA, and granted partial summary judgment.
MRS Associates BPO Calling You?
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).
Consumers have reported this agency harassing them from the following numbers:
Can I sue MRS for harassment?
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.
“I received a check yesterday in settlement of my case. I want to thank you and your team for your service. I found the people I dealt with at Lemberg Law to be unfailingly polite, professional, and helpful when I called in with inquiries.”
“I can not even begin to tell you how frustrated I was! I was getting call after call after call and most of them were robocallers!! I contacted your firm and you made the calls stop. I haven’t received my check yet but the calls have stopped for good and that makes me happy enough. Anything extra is just icing on the cake!”
“I found your website. I filled out the information and much to my surprise received a call back within the hour. She listened intently and addressed each one of my concerns. She immediately forwarded me an email and advised I would not be charged for services rendered. She made me feel confident and assured, and that someone was in my corner.”
Can You Help Me Delete MRS Associates or MRS BPO from My Credit Report?
The short answer is yes. We can help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.