January 21, 2021
Summary: If you've been sued for a debt by MRS Associates, use SoloSuit to respond in just 15 minutes and win your lawsuit.
MRS Associates has made quite the name for themselves, but not for the reasons you would think. This debt collection company is well-known for its less-than-appealing business practices, leaving those they try to collect from annoyed, confused, and often rather angry.
If you are being harassed by MRS Associates, don't fret. We're going to take a closer look at this company and show what your options are for fighting back.
First of all, MRS Associates is a debt collection company that is popular for all the wrong reasons. They are also known to go by MRS BPO, LLC. Like any debt collection agency, they have certain debt collection laws that they are required to follow.
If you're in the middle of trying to repair your credit, having to deal with a debt collector at this time can be confusing. As such, you need to know what your rights are under the Fair Debt Collection Practices Act.
The job of MRS Associates is to collect money that is currently owed to their clients. Their clients are any company that chooses to use them to track down the money owed to them; a lot of their clients are banksHowever, they may also choose to buy your debt account from their client, which is the original lender. This can also be a creditor or even another debt collector.
As we mentioned in the opening, MRS Associates Debt Collection's business practices have made them a thorn in the side of those who owe money. They have seemingly countless complaints about how they do business.
Their main methods consist of using representatives to get into contact with debtors, either by phone or mail. The most common complaints surrounding MRS Associates is the fact that they call debtors way too many times a day.
What's more, they are aggressive in their approach, making debtors feel uncomfortable, if not downright disrespected. Some debtors have said that they feel like they are being stalked due to the unrelenting nature of MRS Associates' business methods.
This is where the FDCPA (Fair Debt Collection Practices Act) comes into play. This act was established to protect debtors from attacks such as those from MRS Associates. However, it is now evident that many debt collectors don't abide by the FDCPA, MRS Associates included.
The FDCPA limits the times that a debt collector is allowed to call you. The act states that it is unlawful for debt collectors to call before 8 am or after 9 pm. What's more, debt collectors are not allowed to harass, threaten, or speak ill toward debtors.
This act also prevents debt collectors from calling you numerous times throughout the day. Nor can they speak with other organizations about your debt or contact you at your place of work if you have asked them not to.
If you have been the victim of any of the above instances, you may feel like you're being singled out and threatened. Sadly, this is not the case. We say this because there are many others who are dealing with the very same thing.
As such, it is evident that MRS Associates is knowingly choosing too disregard the FDCPA in favor of their own personal interests.
The first thing you need to know is that your credit report will reflect that MRS Associates Debt Collection has been assigned to get money from you that you owe. Fortunately, you have options that will help you work to remove this from your credit report.
There are many DIY credit repair how-tos and guides that can show you how to get things taken off your credit report. This includes things like collections, charge-offs, judgments, and a whole lot more.
When you invest your time into a repair guide, you will be taught how to go about removing unwanted items. Every step will be explained to you so that you'll know exactly what to do to make it happen.
In doing so, you can work to quickly repair your credit report and improve your credit score. It is definitely worthy of your consideration.
Any time that you are contacted by someone from MRS Associates Debt Collection, make sure that you keep notes of the conversation. Keep track of how many times you were contacted, the name of the person who contacted you, the number used to call you, the time of the day, and the length of your conversation.
The more information you can log, the better. The same applies to any mail sent to you from MRS Associates Debt Collection. Never throw any of their mail away, no matter how aggravated you are with them.
Many times, debt collectors could be chasing after someone using information from an old, outdated debt. This is done in an attempt to pull in extra revenue.
As such, you want to be sure that the debt is valid. You have every legal right to request validation of your debt. So, how do you go about doing this? It's actually easy and straightforward.
Simply send a letter to MRS Associates Debt Collection requesting them to provide you with validation of the debt in question. Why pay money toward something that isn't really valid in the first place?
There is a very real chance that all the harassment you are dealing with is unfounded. And just because the debt collector has one of your old collection bills, that doesn't necessarily mean that you owe them money.
If it is determined that the debt is invalid, the law dictates that MRS Associates Debt Collection must cease all further attempts to collect from you. When you receive the validation letter, it should be sent via certified mail. That way, you'll know it's legitimate.
You also have rights under statutes of limitations. Worse case, you may need to negotiate a settlement with them. For more information regarding debt collection and your rights, be sure to check out our extensive catalog of resources.
Remember, you may have a limited amount of time to act on this, so make sure that you address your debt as soon as possible.
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
Here's a list of guides for other states.
Being sued by a different debt collector? We're making guides on how to beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.