Followup Question...Important!

Yeah, I think we can help a bit on this one....... :-)

I've been through this myself with one of the wife's accounts. Lots of others of us have danced these steps, too, because MRS really is a monumental pain in the ass. The thing is, MRS may well turn out to be a symptom, rather than the actual problem. You may eventually find that the account is owned by LVNV Funding, a notorious junk debt buyer.

In my wife's case, that's exactly what happened. She had a decade-old Citi account that had gotten snapped up by LVNV. In the process, the balance got inflated to about triple what it was when Citi charged it off. The first thing we knew of it was that we started getting these ominous calls from some outfit that later turned out to be MRS associates. They always had some dude that sounded like James Earl Jones that wanted to practice his little-league-badass routine on me. I kept asking the fool what he wanted, and he kept demanding to talk to the wife (not happening), so I kept hanging up on him. Eventually, about the fiftieth time I asked him who he worked for, he tells me "MRS." OK, I couldn't help myself. I asked him "Missus Who?" He hung up on me that time.

That gave me enough info to come into this community, find out what MRS was about, and fire them off a strong-arm DV letter. That was the last I ever heard from MRS.

'Long about a month or so later, I got a call from some gal working for Resurgent Capital Services about the same account. Only difference was that the amount had grown by another $450. I talked to here at some length [not recommended, BTW, but I just love screwing with these people...] and in the course of that, I managed to get her to admit that the debt had been bought from Citi by LVNV a year or so previously. OK... Drag out the DV template, and fire off two copies, one to Resurgent and one to LVNV. Those got delivered in the following week or so, and that was the last I've heard of the matter. Been about a year now. The only paper documentation I ever recieved was a bill from Resurgent.

Now, right about now, you're likely wondering why I made you slog through all this ancient history... It's to demonstrate how some of these places work. Your experience with MRS parallells my own, except for the name of the follow-on CA. LVNV / Sherman operates a huge web of inter-related companies, including Resurgent, and possibly Enterprise [though that's speculation on my part.] Is there anything on the bill you got that would indicate who actually owns the account? You may have to just ask them who owns it. If you do this on the phone, give them nothing. Just ask who owns the account, and hang up.

Once you have that information, then immediately send DV letters to both Enterprise and whoever owns the account. Otherwise, if you just DV Enterprise, it could be pulled from them and assigned to yet another puppet CA. You could be doing this whole dance again in a month or so. I know one gal who's been doing it for two years.

You can certainly shoot a DV letter to Enterprise tomorrow morning, but you might want to try to find out who the owner is first. No sense runnin' around loppin' off heads, when you could just kill the damn hydra.

Now that I've got all that out of my system, could I ask you some questions? Mainly, the name of the OC, the amount, how long it's been since you last made a charge or payment, and what state you live in?

Best of luck with all this. If there's anything else I can do to help, just ask.

Thanks,

Brazos originally bought the loan from a bank and i was told MRS serviced it. MRS i sent a DV letter asking for payment history received nothing. This new place Enterprise place billed me and called me. So i am trying to first get a actual balance from MRS since i paid them. Why i requested a complete payment history. But Enterprise said they are now servicing the loan for Brazos...Enterprise said they would speak to Brazos about MRS's involvement.