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How to Beat MRS BPO

Dena Standley | August 17, 2022

Beating MRS BPO feels like ^^

Summary: Is MRS BPO suing you for a debt? SoloSuit can help you take a stand and win in court.

If there are people that should just disappear, it is debt collectors. They know how to frustrate you with their endless calls and emails. They rarely stop, even if you request them to give you a break. MRS BPO debt collectors often fit this description. They aggressively pursue their money and will only stop once you clear the debt.

Sadly, the debt they pursue may not be yours, or you have already paid it, but the creditor failed to update the information. In other cases, you have no means to pay and have repeatedly communicated this fact without success in getting them off your back.

Nevertheless, consumers forget they have organizations on their side and rights that protect them from debt collection agencies.

You can beat MRS BPO with the proper knowledge, compelling legal documents, and contact information for consumer protection rights organizations. The intent of this article is to help you become aware of the laws that protect you and how you can beat MRS BPO in court.

What is MRS BPO?

MRS BPO is a debt collection agency that collects for a variety of industries, including credit card companies, health care, auto and student loans, financial services, telecommunications, and utilities. MRS BPO is based out of New Jersey, and you can contact the company here:

Address:
MRS BPO, LLC
1930 Olney Ave
Cherry Hill, NJ 08003

Phone:
888-334-5677

Many debt collectors, like MRS BPO, purchase old debts from creditors and banks for pennies on the dollar. This means that when you're contacted by MRS BPO about a debt, if you pay the debt off in full, MRS BPO will make a huge profit. Sometimes the debt isn't even valid, which is why you should investigate the debt before making any payments.

MRS BPO has received many complaints and bad reviews

If you're feeling frustrated by MRS BPO, you're not alone. As of 2022, MRS BPO has received 260 complaints on its BBB profile. Even worse, the Consumer Financial Protection Bureau has reported 1,048 complaints against MRS BPO in the same time period. These complaints mention the following:

  • MRS BPO calls multiple times a day to discuss a debt.
  • MRS BPO reports fraudulent debts to the credit bureaus.
  • When consumers try to pay off a debt, MRS BPO does not mark the debt as paid and keeps requesting the same amount.
  • MRS BPO sends settlement letters to bait consumers into calling them to pay off the debt, but when consumers do so, they're told the settlement offer has expired. MRS BPO does this to get more money out of the consumers.
  • MRS BPO does not remove negative credit reports, even after consumers have paid off the debt in full.

Let's take a look at a real example from the CFPB complaint database.

“I received a letter from MRS for the XXXX XXXX Credit card. I went on the website to set up payment and charges were put on my account to pay off. The original amount owed was {$720.00}. There are strange charges saying " failed ' and then successful. My original amount is not dropping! I tried multiple times to contact them via email from their site with no response. I tried multiple times to login into my account and can not get in no matter what verification choice combination I use. I have not called because I like to have documentation of conversations. I will attach screenshots of proof.”

Which federal laws protect consumers against MRS BPO?

Consumers have over 14 categories of consumer laws that protect them. They ensure a consumer's privacy and identity are safeguarded and protect them from unfair and deceitful business practices. Debt collection agencies are closely monitored by major consumer protection organizations such as the Fair Trade Commission and Consumer Financial Protection Bureau. They ensure MRS BPO operates within the consumer laws.

Among the subdivisions of consumer protection laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act stand out as the most essential in debt cases. The table below gives you the laws that protect you from MRS BPO, as well as other debt collectors.


Federal Debt Collection Laws

FDCPA laws prevent MRS BPO from

FCRA prevents MRS BPO, and Credit Bureaus from

Lying or pretending to be a lawyer

Giving a false debt report

Failing to give you more information regarding the debt in question

Failing to change the report once you have disputed the debt and you have shown it is inaccurate

Harassing or mistreating you

Reporting an outdated debt

Threatening you with a lawsuit, arrest, or violence

Sharing your credit information with unauthorized parties

Talking to third parties about your debt

Threatening you with a lawsuit, arrest, or violence

Failing to protect your personal account details

Contacting you multiple times a day



These laws can give you the confidence to respond to MRS BPO without feeling intimidated. Inform them that you know your consumer rights and will report any violation.

How far can MRS BPO pursue me for a debt?

The law allows collection agencies to pursue their money until it is paid, but with limitations on how far they can go. For instance, MRS BPO can call you over and over again, but the law limits the frequency to seven times a week. If you ignore their attempts to collect, they will enter the debt on your credit report. This entry negatively affects your credit score and reduces your chances of getting a credit card or loan.

The greatest action MRS BPO can take is to sue you for the debt. They will notify you about it and deliver a lawsuit document. You must respond with an Answer within 14–35 days, or the courts will grant a default judgment against you.

You can fight MRS BPO by sending a Debt Validation Letter which forces MRS BPO to prove the debt rightfully belongs to you. If they fail to do so, you are entirely free from paying the debt. But, if they succeed in building a solid case against you, they may win the case and a judgment that can allow your wages to be garnished until the debt is paid in full. However, that result is unlikely if you fight back effectively.

What can I do if I lack money to pay MRS BPO?

Try explaining to MRS BPO that you do not have the funds to pay the debt. Since they often receive this reason from consumers, they may not believe you and will continue pursuing the debt. They may later sue you for failing to pay. Do not miss going to court despite your lack of finances. State your position repeatedly to the court after MRS BPO proves you owe the debt.

Explain that you do not deny responsibility, but you cannot pay at the moment. MRS BPO may be willing to work with you to develop a repayment plan.

A second option is to file for chapter 7 bankruptcy which discharges most of your unsecured debt, including:

  • Credit card debt
  • Old cell phone bills
  • Past-due medical bills
  • Back utility bills
  • Personal loans
  • Old store card debts

However, chapter 7 bankruptcy does not dismiss all debt. Financial responsibilities such as child support, taxes, alimony, and government student loans remain active.

Once you file for bankruptcy, MRS BPO and any other collection agency will stop all attempts to collect. The bankruptcy status will remain on your credit report for 10 years, adversely affecting your credit score. You can later work on improving your score as you recover from your financial challenges.

Respond to a debt lawsuit against MRS BPO

If you've been sued for a debt by MRS BPO, don't give up hope. You can represent yourself in court and win! The first step to beating MRS BPO is to respond to the lawsuit.

Follow these six tips to draft an Answer to a debt lawsuit against MRS BPO:

  1. The Answer isn't the place to tell your side of the story in detail. Instead of using an elaborate story to respond to the lawsuit, your Answer should focus on responding to the claims listed in the Complaint document. Keep it simple. You can admit, deny, or deny due to lack of knowledge.
  2. Deny, deny, deny. Most attorneys recommend that you deny as many claims as possible, forcing MRS BPO to do more work to prove their side of the case.
  3. Include affirmative defenses. These are any legal reasons that MRS BPO should not win the case. A common affirmative defense used in debt lawsuits is the statute of limitations, which is the time period that a debt collector has to sue someone for a debt. If the debt is past the statute of limitations, then the lawsuit is void.
  4. Use standard formatting or “style”. At the head of the Answer document, be sure to include a caption where you list the court information, party information, and case number.
  5. Include a certificate of service. It's important to serve your Answer to MRS BPO. At the end of your Answer document, include a certificate of service when you verify the address you used to serve MRS BPO the Answer.
  6. Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

SoloSuit can help you draft and file an Answer in all 50 states.

Learn more about these six tips in this video:



Who can help me beat MRS BPO?

So far, we have seen that FTC and CFPB, among other organizations, help to safeguard your financial and consumer rights. You can report any bad business practices and fraud by MRS BPO on their website. They will follow up on the complaint and take legal action when they confirm the violation. Your attorney general's office also follows up on complaints of unfair business practices and will take action if need be.

Solosuit can also help you represent yourself in court and win. Finding an attorney is stressful, time-consuming, and expensive. You can be your own attorney with SoloSuit's help. Our software assists you in drafting professional and compelling documents needed to address MRS BPO. For example, our Debt Validation Letter asks MRS BPO to verify the debt is yours. An Answer documents helps you respond to a debt lawsuit against MRS BPO. Our Debt Lawsuit Settlement letter requests MRS BPO to settle the case outside the court. Take matters into your own hands, take a stand in court, and beat MRS BPO today!

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"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


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