MRS Associates Inc - Are consumers satisfied with their service?


MRS Associates Inc. is a collection agency headquartered in New Jersey. The agency claims to settle delinquent accounts in quick time using efficient recovery specialists and collection methods. However, most consumers are not satisfied with the agency's services and have a lot of complaints against them. Have a look at the topics given below to know more about MRS Associates collection agency:

What are some of the common MRS Associates complaints?

Some of the most common MRS Associates complaints are given below:

  • Unnecessary harassment: One of the major accusations against the agency is that they harass consumers unnecessarily. A consumer complains that the agency keeps calling him time and again, even though he is not the same person they're looking for. He just happens to share the first and the last name with the actual debtor!

    In some cases, the agency harasses the consumers even though they've been making payments to pay off the old account. One such customer says MRS Associates collection agency has been calling him repeatedly, although he has been paying $60 each month for almost 3 years!

    The collection agency even calls customers for debts which they have never taken. One consumer complains that the agency called his wife on credit card accounts which she never had. Know more...
  • Rude and abusive behavior: The representatives who call the customers are very rude and often use abusive language to threaten them. One customer claims that an MRS representative screamed even at his 3 year old daughter! The customer was so upset that he filed a police report against the agency. Check it out.
  • Refuse to validate debts: One of the complaints against MRS Associates collection agency is, they refuse to validate debts. A customer said MRS asked him to pay off a Capital One bill which he says he never had. When he asked them to validate, they simply refused to do so. Find more information on this.
  • Unauthorized withdrawal from accounts: The collection agency is accused of running unauthorized withdrawals from their customers' accounts. A customer says the collection agency (CA) withdrew his entire social security disability income directly from his account, without informing him. Another customer complains that MRS Associates Inc. kept withdrawing money from his accounts even after he had made payment arrangements with them. They made several unauthorized withdrawals from his account and he's still awaiting a refund from them. Know more.

How to deal with MRS Associates Inc.

If the collection agency harasses you to collect a delinquent account, you should take the following measures:

  • Send a validation letter: You should first send MRS Associates collections a debt validation letter through certified mail with a return receipt request. Under the FDCPA, the agency is required to validate the debt before continuing with their collection activity. You should also ask for a copy of the original agreement signed between the original creditor and the agency. If they cannot validate the account, you are not legally bound to pay it off.
  • Send a cease and desist letter: As per the FDCPA, the agency will have to stop harassing you if you send them a Cease and Desist letter. They cannot make phone calls to your work of place and cannot use abusive language while talking to you. If they still harass you, you can file a formal complaint with the FTC or the State Attorney General's Office.
  • Check the SOL: You also need to check if the account has crossed the Statute of Limitations (SOL) in your state. If the account is past the SOL, MRS Associates Inc. does not have the right to collect it.
  • Settle or pay off the account in full: In case the agency validates the account and it is not past the SOL, you will have to pay it off. You can enter into a payment agreement or do a settlement with the CA to pay off the account.

I'm seeking advice on how to deal with MRS associates collections when threats have been made. Here my situation.

I divorced 1.5 years ago from my husband and was contacted via email from him with the question if I know of an account opened linked to one of my previous addresses because payments have been made from there (how do you proof something like this?) but opened with his SSN.

He also asked me to contact MRS associates collection, since an amount of about $1,700 was very delinquent. So I did - and was immediately accused of identity theft and fraud. The representative accused me or my former room-mate of stealing my ex-husbands SSN and either I did it, or I'm covering for another person. I have stated that this is absurd and asked for an acct #, asked when the account was opened, closed, what charges were made and tried to find out if this is maybe one of the accounts he had opened and I am on there as the other card-holder. No information was given to me, just the advice to respond by monday and give them information of who did it, otherwise they'll order the records (shouldn't they do this before they asked to be contacted, also - aren't they supposed to send a letter first?) and someone will go to jail, and they also said it'll be me.

I'm confused and am trying to find out what is going on. They replied that this has nothing to do with anything we have once shared or opened together and I should come forward. Then they quickly said that they don't want to waste their time any longer and hung up on me. Any advise? This is absurd - I've emailed w/ my ex-husband and he stated that he has no idea of what's going on, he's as bummed as I am but doesn't want his credit to be ruined. I would appreciate any feedback, since I fear that the nightmare has only begun.

thanks, H.


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Sub: #1 student loane
Tue, 01/22/2013 - 20:39



I received a call from MRS on a private student loan and they were very rude. So, I need to send them a debt validation letter? Is there a sample to use? I know the federal student loans are not forgiveable etc but not sure how the private student loans work as far as collections. Does that mean is was sold to a collections agency or they are working with the loan holder?



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Sub: #9 Usually, the creditors don't come after the debt has been settle
Thu, 07/14/2011 - 22:28



Usually, the creditors don't come after the debt has been settled. They can't specifically sue you in some states such as Texas, Michigan, Georgia, etc.


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Sub: #10 MRS settlement
Thu, 07/14/2011 - 13:50



Hi Soaplady,
If I pay the settlement amount that they offer this next time around...Can they sue me for the remainder later on? How do I prevent wasting my money with these guys?


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