I had been referred to MRS associates by a credit card company, I have been working my way out of debt for two years now. The phone calls began probably in July. I made a payment arrangement but wasn't able to live up to it do to a lose of 2nd income. I had tried to work something out but they never allowed me to pay on schedule that would benefit me. It was always on terms I could not meet. The final straw for me was waking up to an MRS employee, rudely telling me that she was refering me to the state of nm.