757-209-2045

Called twice so far today, 8:40 and 11:30.  I saw 2016 was being reported as an Amex customer service line, but dunno about this one.

Didn't pick up, and no messages.

They called twice already this morning and four or more times yesterday. These calls are NOT FOR ME! I consider this harrassment! How do I make it stop??

Me too.. 3 today.. no voice mails.. looked it up and it turns out to be coming from a Sprint wireless cutomer? PEOPLE..speak up if you know who it is?

I believe it is a bill collector.  I've been getting collections calls for months and they all of a sudden stopped.  then this number started calling me right after.

ITS ILLEGAL TO DO THIS

go to www.budhibbs.com and get the CEASE COMMUNICATIONS LETTER - Send it certified mail/return receipt.   Once they receive it they are required to stop calling you.  if they continue - YOU CAN SUE THEM!  

You must keep a log and record the calls where allowed (budhibbs site has info on state requirements on recording calls)

verbal demands do not work - it has to be in writing..

Getting calls from 757-209-2045 including early in the morning. Probably a multi-operator autodialer operation; there's the silence for a long moment before the human comes on the line. They ask for people; two different names I never heard of, on two occasions, and other calls too that I just ignore. Today I played along a little and asked who it was from, the gal just said "MRS".

same here its stared on june 20 at 10:11 am and today they have call me at 8:34,10:24,12:39,2:48 this is stupid i'm working and i think that its my kids calling me this should stop first was this number call me like 5 times in 1 day 413-591-0166

Looks like Portfolio Recovery Associates with yet another new number to harass people from. Here is a link to their nasty practices and qualifies them as one of America's WORST!

http://budhibbs.com/collectorpages/portfolio_recovery_associates.htm

Hope that helps.

some woman calles and asked if i was "Juno Magistrate", I think their just screwing with us.      And whoever they are they are calling from the norfolk-hampton roads area in south eastrn VA

caller is looking for person who had number before me.  said he's not bound to the do not call list.  MRS has called my number numerous times on numerous dates, would like to report the agency.

I must have gotten at least 30 calls so far from what seems to be a fax machine.  Its blocking my switchboard.  How do I make this stop?

They call me about twice a day. I dont pick up because i dont recognize the number, but it really gets anoying after a while.

I just got a call from this number (757-209-2045) and it was a recorded message that said, "Please hold for an important call", I waited about 5 seconds and the message repeated itself.  I then hung up right away.

Yeah i dont know what this is but they are calling my mother in law looking for my husbands prev girlfriend saying she was listed as a contact, has anyone figured out who MRS is?

Yes and it was posted by someone already - but here it is AGAIN

they are junk debt buyers - they buy worthless legally uncollectable debt for pennies and breaks every state and fed FDCPA law to collect what they are not entitled to.

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY

MRS Associates, Inc.

3 Executive Campus, #400
Cherry Hill, New Jersey 08002
1-877-508-6304
Web Address: www.mrsassociates.com 
 Saul A. Freedman, Pres & CEO
saul1@mrsassociates.com
Jeff Freedman, VP & Partner
jeff@mrsassociates.com
Kelli Coia, Dir of Training/Development
Jill Sittineri, Incentives Mgr.


--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

ONE OF AMERICA'S WORST COLLECTION AGENCIES!  Brain dead debt collectors with a street mentality. Very UNPROFESSIONAL in their business and collections technique.

These are VERY nasty people who go to no end with their lies, intimidation and BS!

These collectors give ALL debt collectors a bad reputation. There is no lie they will not tell, everyone they talk to is about to:

Be arrested
Have their wages garnished
Have a judgment levied against them
All of the above.

NOTHING they say or do is to be believed or trusted. Stay FAR away from these misfits of society; they are as BAD as debt collectors can be!!

IF YOU RECEIVE AN ARBITRATION NOTICE FROM MRS GET IN TOUCH WITH ME.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.


Use the debt validation and cease communications letter (dealing with debt collectors) and dispute as NOT OWED.  They cannot validate the debt!  
Dealing with debt collectors
http://www.budhibbs.com/start.html

Statute of limitations by state – always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from debt collectors – always double check with your own State Government website
http://www.budhibbs.com/record.htm



From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.


Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.


How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.


What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren’t; or
indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:

you will be arrested if you don’t pay your debt;
they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn’t; or
use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans’ Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members’ Pay
Military Annuities and Survivors’ Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen’s and Harbor Workers’ Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.

I was repeatedly called and asked about someone I do not know.  I called them to politely request that they not call and the operator became aggressive with questions regarding my personal business such as my name, and who I know or do not know.

they keep calling my number at odd times of the day either really early, (8am) or really late (9pm) they are looking for someone that doesnt live here, i've told them they have the wrong number several times, and they keep calling. this morning they called and when i told the woman what was happening, and i was going to report them to the better business bureau she told me "i hadnt told her nottin - and i need to quite makin da threats" and then she called me a b**tch and hung up. how do i figure out who these people are and report her?

I received a call today from this number but did not answer it since I did not recognize the number.  I got a call a short time later from my wife saying they called her cellphone asking for me.  When I called the number back, it was M R S Associates who is trying to collect a Capital One credit card debt from me. After telling her that I was not working and that they needed to stop calling any other numbers since I was only responsible for the account, she asked me when I was going to make a payment.  HUH?!  I then asked if she heard what I had said and she said that she had and began yelling at me!!  I told her to not yell at me and she then got LOUDER!  I don't need this crap, so I hung up on her.  Time to change cell phone numbers I guess.

I got the same phone call regarding my Capital One credit card too. The guy I spoke to would not give me anything on paper. I told him that I wanted this on document (paper), but he said no. He gave me 4 options to choose from, but yet nothing on paper. I had to repeat myself 10 times before he put me on hold to get his manager. He got back on the line and still couldn't give me an answer. He then asked me if I can make any payments and can only send me a letter of agreement only. I asked me what can I do with that and how can I agree with any of what he was saying without any of our words on paper?? After that conversation he told me that he will call me back.

He did call me back, but with another offer. What is that??? He then again put me on hold to talk to his manager and next told me that he'll be calling me tomorrow.

How can I get them to stop calling me????

Can they harass you like that????