About 10 months ago, I was contacted by "Insurex" trying to collect a debt from 10 years ago. They called my in-laws and harrased them as well. I was contacted by "Americredit" (415) 462-2853 yesterday about an unpaid car loan from 10 years ago. They offered to cut the debt in half if I made a credit card payment at the time of the call. I advised the man that the debt was written off after the loan company refused our payments. This again was 10 years ago. Today, I got a call from "MRS and Associates" (435) 294-1260 trying to collect the same debt. This is not on our credit report, we are buying a house so we have copies of our reports. The man was threatening. How do I fix this? Why have I not gotten any bill in the mail or some sort of written bill? Is someone buying and selling old debts to try and "steel" money from people?

[Chrys Henderson]

Send them a Cease & Desist letter. If they contact you after you get the green card, sue them under the FDCPA and collect your $1,000 plus possible court costs and attorney fees. File complaints with the BBB, the FTC, the Bureau of Consumer Affairs, your state Attorney General, etc.

MRS associates called me today looking not for me, but someone else, and were threatening and rude and abusive to me. i told them not to talk to me that way and ther person they were looking for did not live here and i was not his wife, i do know him, i do not know how they got my number, and they would not tell me. they said i had one hour to get hilm a message or else. it was a mr cooper. i do not need to be threaten not be treated this way. i ask him what kind of company this was and he said it was none of my business. i said that this must be a scamming co with no ethics or respect for people. you should tell these people to leave innosent people alone and not or else anyone.

Oh, yes, MRS Assoc is well known to me as well. To date, they have refused to validate my "so-called" CapOne bill that I don't remember ever having. They refuse to listen (they must be trained to love the sound of their own voice) to anything. I just refuse to confirm my address and SS number and let them sizzle over the phone. Maybe they'll tire of calling and stop. Not!!

[unclewulf]

MRS is total scum, of the worst variety. Been there, done that.

Did you send a demand for validation in writing, CMRRR, and within the 30-day window? That's usually enough to back them off. Hit'em one more time with a strongly worded DV letter. And be prepared to follow up with an ITS if they don't provide satisfaction. Also, be advised that MRS is known to front for LVNV Funding.

When we were dealing with MRS, they were calling on some bogus CC account that my wife never had. Some puffed-up city boy from New Jersey thought he was going to intimidate me. Didn't quite work out that way. I just gave him back the same, in spades. Had him ready to bust a blood vessel a couple of times...

We didn't have an OC or account on the bill they were calling us for, and they refused to provide any information. So I DV'ed them rather harshly, referencing the account as "any and all business you may have with me/us." That letter got the account pulled from MRS, and sent to Resurgent Capital. Those folks gave me the OC and account number, and I social-engineered the fact that LVNV was actually the account owner out of them. At that point, I sent the same letter that had worked on MRS to both Resurgent and LVNV. Haven't heard peep from them since. Two years and counting.

A computer called me, then some idiot sounded like he was smokin a blunt call me calling for my ex wife, so i told him to quit calling and he persisted. Theres got to be a better way, not sure why they didnt the the bankrupcty notice, it was mailed to them but if you are smokin crack it dont matta does it.

MRS very recently went to work for Capital One, with whom I am having major issues. Capital One decided that back in January 2007, they could refuse to post a payment to my account owing to the fact that it was only 2 days late. As confirmed by a Kathy Adkins, Capital One representative. I get my bills for this one account toward the end of the month and the payment due was by the middle of the month. Capital One not only did not credit this payment on the next billing statement, it proceeded to not do so on every subsequent billing statement. Which resulted in Capital One engaging in flagrantly fraudulent acts against this as well as other accounts. Yet, Capital One seems to think I should pay for their critical errors in how they have handled my accounts by paying enormous amounts of money. Sorry. But I do not pay for fraudulent acts and a bank that does nothing to correct its mistakes. And I will be just as happy to take MRS to court right along with Capital One, given the fact that I have since filed criminal charges against that company. I don't play games. Since Capital One breeched contract by their abuses of "terms and conditions" of the credit cards they issued me, I resolve a "debt" in one way. And will not be arm twisted by MRS to paying anything that Capital One has sought through fraudulent acts.

Be careful of this company! I had arrangements with them to pay off an old Credit card and wow! they ripped me. They kept debiting my checking account even after I called payment arrangements. The ran several unauthorized payments through. I had to fight tooth and nail to even try and get a refund. I am still waiting on my refund..... I advise not to work with them!