How to Remove MRS Associates From Your Credit Report

Who is MRS Associates?

MRS Associates, also known as MRS BPO, LLC, is a debt collection agency based in Cherry Hill, New Jersey. It specializes in recovering outstanding debts on behalf of various creditors.

If MRS Associates appears on your credit report, it typically means you have an account in collections. This could be due to a missed payment on a bill, a credit card, or a loan that has been left unpaid.

MRS Associates may appear on your credit report as any of the following entries:

• mrs and associates
• mrs associates nj
• mrs collections
• mrs company
• mrs pay
• mrsassociates

Who does MRS Associates collect for?

MRS Associates works with a diverse set of industries to collect outstanding debts. Their clientele spans companies in the telecom, student loan, auto loan, credit card, and healthcare industries.

Is MRS Associates legit or a scam?

MRS Associates, Inc. is a legitimate debt collection agency that has been in operation for over 30 years. However, some consumers have complained about MRS Associates’ debt collection practices.

The company has been accused of repeatedly calling, texting, and emailing people in an attempt to collect debts, even after being asked to stop. Some have also reported that the company has tried to collect debts that were not theirs, which is a violation of the Fair Debt Collection Practices Act (FDCPA).

How can I remove MRS Associates from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

MRS Associates/MRS BPO, LLC Contact Information

Address:

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

Phone number: (877) 508-6304 or (856) 988-9122

Is MRS Associates making threatening phone calls?

If you are experiencing debt collector harassment from MRS Associates, the best thing to do is contact them in writing. Never talk to them on the phone.

You’re more likely to get emotional and react in a way you might regret later on. Even worse, you could be pressured into making payments on the debt in a way that’s not in your best interest.

Alternatively, admitting to old debts may reset the statute of limitations in your state, essentially renewing the number of years you can be sued for overdue payments.

How to Deal with Calls from MRS Associates

There are a couple of ways to handle collection calls from MRS Associates. First, you can send a cease and desist letter. Once a debt collection agency receives your written request, they must stop contacting you about your debt.

In this case, the company can either drop pursuing your account altogether or initiate a lawsuit. There’s simply no way to know. However, know that it is illegal for them to threaten to sue you without actually intending to do so. Either way, they will most likely continue to report the debt to the credit bureaus.

Another option is to attempt to settle the account. You can either negotiate on your own or hire a professional debt settlement firm to help you.

Should I contact or pay MRS Associates?

Before contacting a debt collection company, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with MRS Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like MRS Associates on behalf of their clients.

Will MRS Associates sue me or garnish my wages?

MRS Associates has the legal right to sue a debtor for an outstanding debt. If they win the lawsuit and secure a judgment against you, they could potentially garnish your wages or bank account, depending on the laws in your state.

However, it’s important to understand that initiating a lawsuit is typically a last resort for most debt collection agencies, including MRS Associates. It can be an expensive and time-consuming process, often reserved for situations where the debt is significant, and the debtor can pay.

MRS Associates Complaints

Most debt collectors have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with MRS Associates, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with MRS Associates

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• It is a violation of federal law for MRS Associates to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send MRS Associates a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
• MRS Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• MRS Associates must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• MRS Associates cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove MRS Associates From Your Credit Report Today!

Credit Saint offers assistance with disputing MRS Associates accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.