MRS Associates Inc - Are consumers satisfied with their service?

MRS has been harassing my mom and I for 2 months. they won't take any agreements with payments and I really don't know what to do. I want to work with someone to get a payment started but they keep on telling me that they are going to sue me and I am going to go to jail. How do i work directly with the company instead of collections and have them stop harassing me? Please help!

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Has anyone been successful with completing a settlement with this company? I am willing to pay for the settlement they offer me every month in the mail, but after reading all of these stories I wonder if even if I send the check that they will say they didn't get it or some crap. I just want this AMEX bill to be over with and would be willing to pay the settlement as I don't have enough funds to pay the entire debt.

Basically, they send me a letter every month with a settlement offer and that I need to send a payment by a certain date (usually 10 days after I recieve the letter). I know it is my account and the amount outstanding is correct, should I just send the settlement check to them and hope to God they don't xxxx things up? Or do I have to send a verification letter thing as well? I just want this to be over with already.

You should ask them to validate your debt once you receive the next letter. Once they validate the debt, you should then think of making the payments. Validation of debt will let you know whether or not they really own your account.

How do I know they will validate the debt if everyone here seems to say that they don't validate anything?

Additionally, people here have reported that they have sent money to MRS and then MRS turns around and says they didn't and the balances remain the same even though money was sent? How do I not get into this trap?

4/7/11 did anyone confirm.
I now have the same issue. I want to pay 1 lump sum, but they issist it must be 4 payments. Does not make sense to me?

Well, without validating the debt, you should never pay any money to them. If you still want to settle the debt with them, then at least make a written settlement agreement with them. Read and sign the agreement before making any payments to them.

Yo ucant deal with the creditor directly, they tried that for 6 months prior to collections. I your bills was paid on time ,they wouldnt have to hire these agencies.

well that was a humanoid mess above me.the old PAY YOUR BILLS,but with horrible spelling and usage.bet you were on the phone as you posted that.so get back to those phones and let the real people discuss this bottomfeeder.btw loser once a JDB buys the debt the person can't deal with the OC,but that is where we state you can't validate.just another point on your bottomfeeder.

Hi,
I owe on a Chase credit card. MRS is the second CA it has been sold to. I want to pay them the settlement amount but do not want to get screwed. I have a pay for deletion letter ready to send CMRRR. After reading all these reviews Im not sure I want to work with them. The previous CA was Northstar. They were horrible to me and after reading their reviews I decided not to work with them. It just sounds like there are no honest Collection Agencies. If I do not work with one the next one will not be any better. I just want this debt paid off. It has ruined my credit tremendously. I do not have time to do a validation letter, I know this is MY debt. But I will not have this money long and do not want to play games. Also I would like to know that they can not sue me for the remainder after I pay the settlement amount. The PFD letter states Im not saying this is my debt but in order to settle it I am willing to pay X amount respond in 15 days etc. Please help me deal with this so I can be done with it.

From my knowledge of Northstar and MRS, they are working as a third party contingency agency for Chase. The debt was more than likely not sold.

---they are not going to negotiate thru the mail
---they will not do a pay for delete....chase policy. Pay for delete is usually a form of goodwill...to retain a customer. Chase probably doesnt want you back as a customer so it is a waste of their manpower time and money.
---you want a settlement, you need to call. They will mail/fax you a settlement agreement
---the path you are taking right now is more likely to get you sued quickly for the entire balance.

Hi Soaplady,
Youre saying Chase hired MRS and Northstar to collect...they did not sell it off? Am I correct? Would it be possible to call Chase and negotiate with them? Both MRS and Northstar are on my credit report...I think just as inquiries right now. How can I go about getting this bad debt off my credit report? I dont want to use Chase for anything ever again. They are just as heartless as MRS and Northstar. Thank you ...

You more than likely will not get them off your report...as long as they are reporting accurately, they can report for the full 7 years.

When an account is assigned to a collection agency, it is done so under contract. Usually in this contract is a clause that states that the OC cannot recall an account without cause...like a documented FDCPA violation. (Being rude is not cause) Any payments sent to the OC must be forwarded to the collection agency as a pay direct. For this reason alone, Chase wont waste their time negotiating with you while they are paying a CA to collect on it.

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?

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.