800-932-5028

I have a very common first and last name and I constantly get calls from collection companies looking for the person with the same name as me.  However, this person is not me and has bad credit and has collection agencies calling all the time for various things.  This is a collection agency that handles issues for Ford credit.  That is all I know.

MRS ASSOCIATES uses this number it is a collection agency .

Caller - Identified themselves as MRS Associates but would not tell me what they do  "We do a lot of things"
Called ID - on phone said toll free number
Peron on phone was rude and evasive.  They were asking if I knew of _________ and that that person left my number as a contact number.  They had the last name same as mine but I don't know the first name.

They keep trying to call my cell phone.. any time I see this number in my caller Id, I will not pick up. I had called back once to see why they were calling and when I told them my name and number, they claimed I wasn't in their database, yet I told them that was bull because they'd just call me 5 minutes before and I also politely asked that they cease and desist, that I was on the Do Not Call National Registry List and to remove me from their database. They said they would. However they have yet to do so and I am still getting calls from them. I am getting fed up and would like someone to investigate into this company and also would like to know how I can go about filing a complaint against this company. Thanks for your time.

Gabe Dunn called me and ask for information, I didn't give him any.

Has someone reported this company yet? If they are legal and if they are a collection's agency then why not say that when asked? Very curious

This company MRS Associates keeps calling me.  They will not initially identify themselves and begin by asking who they are speaking to.  When I question them back and ask who they are and what they want, they tell me that they are MRS Associates.  When I tell them that whoever they are looking for is not at this number, that they have a wrong number and to please stop calling, they want to know my telephone number and my name.  I simply hang up.  They call every day!!!

Keeps calling. Unable to get in touch with a live rep. Please give info on how to report this agency.

This number just called my house phone. When I answered there was complete silence. After me saying "hello" several times, and counting to 10 I was going to hang up, then heard the hang up sound on their end. Pretty sure this was an automatic dialer, and it's illegal for companies to have no response after a few seconds, whether it's a live person or not. If they call again I will be making my fourth complaint within two months with the FCC because of numbers like this.

Activated a new tracfone on Saturday. MRS Associates called today at 9am. I have not given this number to anyone. I do have accounts in collections.
Watch out who you do business with.

thank you for that info..........

called my # and I picked up there was no one on the other end and,then I heard a click & disconnect this has happen alot of times,I whould like to know what they want

Guy called from MRS stating that I have an unpaid parking ticket for a car that I sold 5 years ago. He said I got the ticket in Babylon but gave me the phone number to the Garden City Courts to disput the ticket... It sounds like a scam but I haven't heard back since... I tried calling the 800 number but all I get is static...

http://www.budhibbs.com/collectorpages/mrs_associates_inc.htm
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.


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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.


File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
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.
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
February 2009

1-800-932-5028  M.R.S. Associates is a BIGTIME SCAM!!  do not give them any information!!!!!  They claimed i had an overdue parking ticket over 6 years old and would not send me information in the mail.  He wanted my credit card information.  If they were legit they would have mailed me evidence.  I called DMV to make sure I did not owe money for an outstanding parking ticket and I did not.  BE CAREFUL AND THIS COMPANY!

MRS Associates is a bill collector in New Jersey.

No need to be upset by these [***].
They are 100% pure living garbage.

Here's the url on them.
You don't have to file anything with the federal govt or your state.
Easiest and best thing to do, if you go through their recording is
simply play the game until you get a real human being on.

When the real person finally is on the line and asks for a person by name,
tell them the person died.
If they ask you when?
Tell them three days ago, and that the funeral is tomorrow.

If they ask you another question, simply tell them to go [***] themselves.
Or, better yet, tell them to call back.

Your choice.
They probably paid nothing for the debt and are harrassing folks illegally to bludgeon them
into paying bills that are more than likely false or uncollectible.

It is very important that you use these exact words,

"Go [***] Yourself"

You report companies by going to the Consumer Protection website and filing an online complaint.

Here is a list of (mostly government) sites were you can report those scams, or learn more about them.

http://phonehelp.2truth.com/complaint_sites_rev.html

Just got a call from these guys. I called back and the automated system is garbled and incomprehensible.
I don't have any outstanding debt or tickets. I keep on top of everything. Would love to know why they are calling me.

They call me a few times a month.  Always looking for my ex-husband.  They are always nice to me & take my number off the list.  My ex has many collection agencies after for medical bills, credit cards & unpaid phone bills.  The people I get on the phone are very polite - I don't know what you guys are talking about with nasty people.  Be nice to them & you will.get the same in return.