George Simons | September 16, 2022
Summary: MRS Associates, also known as MRS BPO, is a debt collection agency that will use unethical tactics to get you to pay off your debts. You can SoloSuit to force MRS Associates to validate your debt and beat them in court.
Summary: If you have been sued for a debt by MRS Associates, use SoloSuit's Answer form to respond in just 15 minutes and win your lawsuit.
MRS Associates Inc. is a debt collection company well-known for its unappealing business practices. After a call from them, consumers are usually left feeling annoyed, confused, and angry. MRS debt collectors often want to dictate the conversation and may come across extremely disrespectful.
This article will tell you everything you need to know about MRS Associates, your rights, and how to respond to MRS debt collectors when they contact you about a debt.
Let's get right to it.
MRS Associates, also known as MRS Innovative Solutions and MRS BPO LLC, is a debt collection company that is popular for mistreating consumers. You may be wondering, who does MRS collect for? The work of MRS collection agency is to collect money owed to their clients from various industries, including commercial, e-commerce, parking, road tolls, financial services, technology, telecommunications, utilities, education, auto, and retail.
Companies from these industries hire MRS Associates to follow up on overdue debt. They give MRS collections an agreed percentage of the money they succeed in collecting. Alternatively, they may also buy your debt account from their clients, the original lender. The client could be a creditor or another debt collection agency that has failed to collect.
MRS has been in business for over 31 years and is Better Business Bureau (BBB) accredited with a poor customer review of 1.12 starts out of 5 due to their unprofessional and unfriendly collection methods. Their contact information is as follows:
1930 Olney Ave
Cherry Hill, NJ 08003-2016
Phone Number: (888)-334-5677
MRS Associates website: http://www.mrsbpo.com
As we mentioned in the opening, MRS Associates dubious collection practices have made them a thorn in the side of those who owe money. They have countless complaints about how they do business.
MRS primarily uses debt collection agents to contact debtors by phone or mail. They violate consumers' rights by calling or emailing multiple times daily for one debt, often before 8 a.m. or after 9 p.m. In addition, they are aggressive in their approach, making debtors feel uncomfortable and disrespected. Some consumers have reported that they feel like they are being stalked due to the unrelenting nature of MRS Associates' business practices.
MRS Associates has had to change its name because it received so many complaints. So, if you're feeling frustrated with MRS, you're not alone.
As of 2022, As of 2022, MRS Associates has received 256 complaints on its BBB profile. Even worse, the Consumer Financial Protection Bureau has reported 137 complaints against MRS in the same time period. These complaints mention the following:
Let's take a look at a real example from the MRS Associates BBB profile.
“Keep calling at least twice a day and refuse to identify self or state reason for business on a message so I called in more than once. I am more than capable of establishing they are trying to collect a debt from someone who is not me, but they will not remove my phone number or cease contact unless I give them my first and last name, and other information to "verify me" in their system. I don't have anything on my credit report from this company, I don't know what they claim another guy owes, but never once could they tell me anything or even acknowledge that I requested to not be called because I "refused to verify myself."
If you have experienced any of these tactics when dealing with MRS Associates, you should learn more about your consumer rights under the Fair Debt Collection Practices Act so you can protect yourself.
The Fair Debt Collection Practices Act was established to protect people, like you, from debt collection agencies that harass and mistreat consumers. Ironically, many debt collectors don't abide by the FDCPA, including MRS Associates. Like any debt collection agency, MRS must also adhere to debt collection laws laid out by the Fair Trade Commission,.
Dealing with debt collectors can be confusing, especially when you don't know which methods they can legally use to collect debt. You must know your rights are under the FDCPA so you can protect yourself against abusive debt collectors.
A debt collector is in violation of the FDCPA if they:
If MRS Associates has used these tactics to get you to pay off a debt, you may think that you are the only one being mistreated. But, MRS calling at odd hours and countless times a day is a situation most consumers go through. MRS Associates frequently disregards the FDCPA in favor of their interests.
When a debt collection agency attempts to collect from you, the debt is often entered into your credit report. For instance, your credit report will reflect that your creditors assigned MRS Assocaites to collect debt from you. Fortunately, you have options that can help remove this information from your credit report.
Many DIY credit repair how-tos and guides can show you how to remove debt and other negative entries from your credit report. These entries include collections, charge-offs, and judgments.
When you invest in a repair guide, you will be taught how to remove unwanted entries on your credit report. The guide will explain every step needed to improve your credit score. These steps include:
The above steps can help repair your credit report and improve your credit score. Although it may take time to clear some debt, you can strike a deal with MRS collection agency to remove the debt once you pay the agreed amount.
.Keep accurate notes
Debt collectors usually call consumers in a hurry to convince them to make debt payments without confirming any information or tracking the communication. Hence, when a MRS debt collection agent calls you, ensure you keep a record of the conversation and:
The more information you can log, the better your chances of winning a case in a lawsuit against MRS Associates.The same applies to any mail sent to you from MRS Associates. Never throw any of their mail away, no matter how aggravated you are with them.
Often, debt collectors try to collect a debt from a consumer using information from an old, outdated debt. They can do it intentionally to pull in extra revenue or unintentionally because the information was erroneously transferred from the original creditor.
The main aim is to be sure that the debt is valid. You have a legal right to request debt validation. So, how do you go about doing this? It's actually easy and straightforward.
Send SoloSuit's Debt Validation Letter to MRS debt collection agency requesting them to provide more details on the debt in question. Debt verification will help you avoid paying more than you owe or a debt that is not yours.
Debt validation can also help you avoid being sued for a debt.
You may discover that the harassment you are dealing with is unfounded. Just because MRS Associates has one of your old bills doesn't mean you owe them money. If it is determined that the debt is invalid, the law dictates that MRS Associates debt collections must cease all further attempts to collect from you. To ensure the debt validation notice from MRS is legitimate, request that they send it via certified mail.
You also have rights under the statutes of limitations—the timeline a debt collector has to collect from a consumer before the debt is time-barred.
Every state has a different timeline for the statute of limitations on debt. In addition, the type of debt also determines the timeline for collection. For example, the statute of limitation for car loans in most states is four years, while the statute for credit cards is usually six years.
The statute of limitations clock starts when you fail to make a scheduled payment on a debt account. Every time you make a payment on the account, the statute of limitations clock resets. So, before you agree to pay a debt collector, check the statute of limitations to avoid resetting your clock.
Let's consider an example.
Example: Scott defaulted on an auto loan repayment. The creditor realized the debt was due to expire in 25 days and hired MRS collection agency to collect from him. The agents started calling Scott multiple times a day and threatening him with a lawsuit. Even if MRS Associates' lawsuit is sent via certified mail, the debt will expire before they can take any legal action against Scott for not responding.
Watch this video for more information about how Debt Validation Letters work:
When you confirm the debt belongs to you, inform MRS debt collections that you want to settle through negotiation. The amount you want to arrive at should be one you can pay once or without defaulting. Once they agree, prepare yourself with the amount you want to begin negotiating with to the amount you are willing to accept to enter into a MRS Associates settlement deal.
MRS collections may have bought the debt for pennies on a dollar and can take a lower amount of up to 50% less. On other occasions, the creditor is happy to receive any amount from you, even if it is 30% of the entire debt.
For example, if you have a debt of $1100, start negotiating at $450. MRS collections may begin with $850. Give another counter offer of $550 as you explain your situation. They may counter again and stop at $600. Take the offer if they refuse to budge.
The first step to beating MRS Associates in court is to respond to the lawsuit with a written Answer. Follow these three steps to respond to a debt collection lawsuit against MRS Associates:
Watch this video to learn more about these three steps:
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.
"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
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.