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Posted: Sat May 12, 2007 1:02 pm Subject: MRS INC (Miranda Recovery Services)

Has anyone heard of MRS, Inc or Mirand Recovery Services?

The address they gave me was:
P.O. Box 219050
Houston, TX 77218

But the phone number they were calling from was 312-768-5603 which I believe is Chicago.

They called me May 1 about an overdrawn bank account (don't have one anymore, paid it off). I asked them to send something in writing which by law they must do in 5 days. They called again May 10. Still no letter. Of course they say they sent it.

Was just wondering if anybody ever heard of them. Am going to send a DV but want to make sure I have the correct address. Thanks!

Posted: Sat May 12, 2007 1:21 pm Subject:

this is the address listed on their website.MRS Associates Inc.
Cherry Hill, NJ 08002
(888) 334-5677

they called me today as well. when i ask who they were they wouldnt say just who they wanted i told them it was a wrong number and they got very rude. i told them not to call again they said they will call 50 times a day. i am sending a cease letter.they called me from a 800 number.you can also read about them on the bud hibbs website.they are also on ripoff.com.

Posted: Sat May 12, 2007 1:24 pm Subject:

i found this on bud hibbs website.MRS Associates, Inc.**

Posted: Sat May 12, 2007 1:26 pm Subject:

rlq not to rain on your post,but I have heard that ripoff.com is under investigation for some kind of scam where they post bad rep and company pays them to change the wording on the site. I don't have any proof of this ,just rumors.

Posted: Sat May 12, 2007 1:52 pm Subject:

oh really that would be terrible. i just saw it when i put up a search for mrs. a person had posted how badly they were treated by mrs.

Posted: Sat May 12, 2007 1:54 pm Subject:

I don't have anything to back it up,just some rumors.I use to read there a lot.

Posted: Sat May 12, 2007 7:10 pm Subject:

The company would have to prove that damages were done, and that would be a stretch for some CA whose reputation preceeds it. Just some tactic, like the ones who threatened suit against this site. They don't want the truth out there.

debtor_converter · Posted: Mon May 14, 2007 5:57 pm Subject: Still at it

Lets face it guys the industry will never change. I was a former director at MRS and most collection agencys operate the same I am still in the business as a gm I know Saul Rick and Jeff Freedman and at one time considered them friends but as you know things happen during the course of business. But the websites that Personally insult these people are ridiculous I see more emphasis on finding loopholes than finding constructive ways to pay debt. My collectors are taught to send people out to get money from family and I will do this till the end of my career it remains the most effective and most proven collection technique in the business. Sure MRS hires 70% of its staff from Camden NJ the 3rd most violent city in america and the city of brotherly love but please give it a rest. This war between Debtors and collectors will be fought and laws will change but we will never stop their are still the great slop of society that still makes this job easy.

Posted: Tue May 15, 2007 3:23 am Subject:

are you saying you send people to collect from someones family?that is unethical. as for slop i think the ca are the slop. not everyone that owes debt is scum ,most want to pay their bills but with all the dirty ca's out there they find it hard. all this site is doing is asking them to validate the debts.i have never saw anyone on this site that says do not pay if it is indeed your debt.

Posted: Tue May 15, 2007 3:53 am Subject:

Posted: Tue May 15, 2007 5:14 am Subject:

To our esteemed guest,I could care less where a collector comes from and what their personal life is about.Every living breathing person has had their share of both good&bad things happento them. When collectors follow the law,they have no need to worry about consumers being informed about their legal rights.I think congress needs to put more teeth in this law myself because the damages are too small to promote changes.

Posted: Tue May 15, 2007 6:24 am Subject:

I am sorry..Did I just get called slop? I mean really...I realize you have a job to do because but it has become apparent to me that most collectors(not all!) have nothing better to do with their time than threaten people. I had a collector calling my cell for my brother in law(how the heck did they get my cell number???) Trying to tell me that if his debt didn't get resolved, they would have him arrested...Ok first of all-that was highly illegal and second of all-i have my own bills to pay, does that collector honestly thing That I am gonna run out and pay my brother in laws bills? Um no!

debtor_converter · Posted: Tue May 15, 2007 3:30 pm Subject: Good point

Well any collector who is stupid enough to threaten criminal action and or debtors prison should be sued. And contrary to the opinions here, their are a few points here to consider. one out of the 10 million dollars in debt my dept sees every month we are lucky to recoup 250-300k a month. two their are still a lot fo individuals that are taking on large loans while on disability incomes and various other sources. And three their are still many cases of straw auto purchases being conducted by 17yr old kids and their 79 yr old grandmothers. when we come across situations like this 9 times out of ten no one wants to pay their is a problem with education people still beleive because that because they co-signed for a loan they are not responsible. And yes their are a lot of uneducated, slimy individuals, they i would categorize as slop. their is no reason someone should walk into a car dealership sign the dotted line guaranteeing a loan than rinigging on the agreement becuase their idiot grandson loses the vehicle. That is not an fdcpa issue that is a moral right and wrong issue. I cannot speak for the other agencys out their but my staff does not threaten to have people arrested...but I will say this to all of those people that sign contracts with no ability to pay them I instruct my people to spend an extra effort to make their life a living hell. And to all those people that fall into this category stop making everyones life more expensive because of your incompetence

Posted: Tue May 15, 2007 4:02 pm Subject: debtor

And what company do you work for debtor_converter? I'm sure your company follows the fdcpa to the letter, yeah right. You can't make someone's life a living hell without breaking the FDCPA, sorry. I'm sure you enjoy going after these grandmothers and people on disability, wow you must be so proud of yourself. That takes a lot of courage. You really are no different than the debtors you talk about. With your statement like that you are the one who is the undeducated, slimy slop.

Your really need to get a life instead of treating people like that. Its interesting you talk about morals and right and wrong, but there is never any reason to make someones life a living hell because of an unpaid debt.

Posted: Wed May 16, 2007 5:24 am Subject:

To make someone suffer like that has already violated fdcpa and you should take note that damages on lawsuits are getting larger.Arrow just swallowed a 100K award recently.Perhaps if you forget the so called moral issue and understand from a business point of view it is a lot better to follow the law than continue to have to settle suits for violations.

Guest · Posted: Wed May 16, 2007 10:52 am Subject:

Miranda Recovery Services main office might be in NJ but this call came from Chicago routed from India. They're sounding more and more fishy to me all the time. Still nothing in writing. I suggested they call the bank they are collecting for and confirm that I paid. They claim there are no branches of the bank in Ohio and that they are not allowed to call the bank they are collecting for. Doesn't make sense to me. Anyway, sending DV to Houston and NJ.

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