MRS Associates Inc - Are consumers satisfied with their service?

Hi Novellie30

Welcome to the forums. Your situations is made complex by MRS Associates as it should not be like this. To see the link between the payments made from the previous address and the account, you should contact your creditors and get the details of the form when either of you applied for credit.

Legally speaking, you should get the complete details of your accounts from MRS, the collection agency (CA) that is trying to recover the debt from you. This is known as the debt validation process as per the FDCPA and through this, you can force them to provide you the following details:

• The details of the account.
  
• All the calculation should be shown of the amount that is owed.
  
• Any copies of the papers to be furnished that shows the payment agreement.
  
• Provide a verification or copy of any judgment if applicable
  
• The original creditor needs to be identified.
  
• The Statute of Limitation needs to be proven for collecting the debt.
  
• The license of the CA applicable in the state is to be furnished along with the license numbers and Registered Agent
  
• Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.
  
• Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.
  
• A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.
  

..for answering my posting. The thing is, all accounts that we had together were either split or closed out as I know off, I only made payments towards dell and a officer's club membership, as those were 2 accounts I have used. My ex-husband says he knows of nothing, and so they accuse me of identity theft and said I must have opened this with his SSN because nobody but me or someone affiliated with me could have made payments from one of my previous addresses - I have never received any statements, nor was I contacted via phone. I don't know anything about the agency, only the person's first name, and I have a phone # an partial account #, I also have this person's email address. I pulled up my credit report online last night and the score is good, nothing was reported late from any previous accounts, nothing seemed to be wrong - the agency which inquired the report was called "MRS Associates", as it was displayed on my credit report. I'm planning on getting an attorney to handle this for me first thing Monday, but am afraid that the threats are for real. How do I find out about an address to where I can send a letter to? I haven't been given ANYTHING. Thx, h.

..they never asked me to PAY anything. It's not about how much I owe, it's about identity theft or covering up for someone, in short they accused me right away of committing fraud. I am also from a foreign country and everything always was obtained through my ex-husband. I just recently (June) was able to apply for my own credit card w/ a $500 limit. Again, thanks for your reply, this was a huge help. Heike

Heike

For instance, if the company feels that you have stolen your ex's identity, then your husband should have the details of the credit in his statement. If it is not appearing in his report, and he is not aware of it also, how can it be termed as an ID theft? Put that straight to the agency and ask them to validate the debt. You will not pay anything or will not feel convicted until it comes out proven.

MRS Associates debt collection address

MRS ASSOCIATES, INC.
2222 W. Rose Garden Lane #100
Phoenix, AZ 85027
Phone Number: 623-266-3526

MRS Associates Fax Number: 623-266-3518
This company is not a BBB member


MRS Associates Collections
3 Executive Campus, Suite 400
Cherry Hill, NJ 08002
(877) 774-7994
This company is also not a member of the BBB and has unsatisfactory business record with the bureau.

MRS Associates
6530 W. Campus Oval Suite 300
New Albany, OH 43054
Telephone: (614) 289-5086
BBB contact this company requesting for basic information and they have not responded so far. They are also not their member.

This makes me feel that you should be very tactful and alert while dealing with them. Keep everything documented so that you can track it later. Send your correspondence through certified mail with return receipt requested. This is very important as the CMRRR serial number will prove that you made your effort to contact them and request information.

Regards
Roxette

A collection agency cannot have you arrested. If there were any possibilty of being arrested, it would have to be persued by your ex-husband. (after all, it is apparently his ID that was stolen) and he would have to be able to prove you did it.

In order for the Original Creditor (again, not the agency) to be able to have you arested for fraud, they would need to be able to prove you did it, ans had intent to defraud when you opened the accounts. Either way the CA cannot have you arrested in onnection with this account. Call the FTC and your State Attorney General. They are violating the fdcpa.

It sounds to me like someone got a hold of his information and was able to connect him to you. Then using your credit report or other personal history information began opeing accounts.

I would watch your credit report very carefully as you may start seeing your information is also being used. ALso look for collections for accounts you have no knowledge.

For anyone who has Allstate insurance, they now have and ID Theft policy that rides on your homeowenrs policy. Costs about $30 a year and covers your expences to clear up the id theft up to $25,000. they also refer you to a service which will assist you in getting things cleared up.

I moved and did not leave a forwarding address as I did not have any bills. ( Or so I thought.......... obviously @ some point I had been assessed a late fee that I was unaware of..........) To make a long story short, I was contacted by MRS Associates, Inc. in February and told to pay "x" amount, which I paid in full. Last week I was contacted by another agengy who purchased my account from, I assume, MRS Associates. When I told them that this account had already been settled they denied it. I paid them their amount,(as I had no "proof" of having paid MRS )again for late fees and interest. Then after researching to see WHOM I had paid the first time I came up with my cancelled check from MRS. Can you help?

Sincerely,

Josh Pyle

Contact the agency you paid last week, and explain you have already paid the debt to MRS Associates, and you have the canceled check to prove it. State you demand a full refund . If they decline it contact the Attorney General of your state seeking for them to intervine. However, once you produce proof the debt was paid they should issue you a refund with out much further hassle. You may have to consider further legal measure to recover the overpayment from the new agency.

I was also contacted my MRS Collection Agency with a threatening phone call. The Company did not identify themselves when they left a message on my personal phone. When called back to identify who they were, I was rushed to answer specific questions. I read the advice Roxette gave Novellie30 and wrote this letter in which I am going to send it certified mail with returned receipt requested. Did I do the right thing?

October 15, 2005

Dear MRS Associates Collections


I have been advised that I need get the complete details of my accounts from MRS. This is known as the debt validation process as per the FDCPA. I was also advised that I need you to provide me with the following details:

??? The details of the account.
??? All the calculation should be shown of the amount that is owed.
??? Any copies of the papers to be furnished that shows the payment agreement.
??? Provide a verification or copy of any judgment if applicable
??? The original creditor needs to be identified.
??? The Statute of Limitation needs to be proven for collecting the debt.
??? The license of the CA applicable in the state is to be furnished along with the license numbers and Registered Agent
??? Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.
??? Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.
??? A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.

I was advised that before I start making payment arrangements, MRS Associates, the collection agency, is bound to serve the following details of your debt. I was advised that if it is not given to me, I don't have to bother paying it. I just can't start paying on something that is not proven.

I am making sure that I send this validation letter through certified mail with return receipt requested. I was advised that this will help me to record the date on which MRS Associates, you, received my letter and my effort to know the details of my past debt. Per the fdcpa, I don't want to be called at my place of work or at home and all the necessary communications should be done via email.

Finally, I was advised that not validating the debt and still continuing to recover the debt is a violation of the FDCPA law under Section 809 ( 8 ). If MRS break the law, I can consult my attorney.

Regards
Aaron

Yes Aaron

I read your letter and it was put in true legal shape as per the fdcpa law. Please keep the receipt of the CMRRR serial number in safe place as this is a very important proof of your letter sent to them. The date specified on it will help you to know that they have received your letter and they have to submit the required details properly.

Regards
Roxette

Just out of curiosity, if a collection agency refuses to sign for a letter that is sent CMRRR, is that then considered the same as them beingunable to validate the debt, or refusing to validate the debt?

Hi Clay

If the matter reaches to the court, you will be able to prove that you asked for validation of the debt, but it was not done by the said collection agency. It will put them under pressure.

If you are trying to repair your bad credit and the collection agency is not validating it, you have the federal rights to get the negative remarks removed from your credit file with the help of your lawyer.

In any case, the CMRRR serial number is the most important factor that proves your part of the story.

Regards
Roxette

Just a comment on general form, mainly for those that mention asking about registered agent, etc. My style is to look at the online records with the Secretary of State and find the agent, then send a demand letter. No asking. If they ignore it copies go to the attorney general and if they ignore that they get investigated. Ask Sentry Credit in Washington. I have an A+ credit rating and when one of these low lifes calls for a previous owner of the phone number, I send a very nice letter saying, basically, "no such person here". Then, if they continue, they get the full treatment. MRS Collection Agency is next up.

I urge all of you with problems wiht them to contact the Phoenix Chamber of Commerce. They actually gave a jobs creation grant to these scumbags for their Phoneix office. They often call from Ohio. They are based in Cherry Hill NJ, like the mafia Gambinos. OK, I shouldn't make insinuations. Saul and Jeff Freedman, you are criminals and bottom feeders. Please do not breed.

MRS Collection Agency has been steadily calling me for months. I have already proven that I am not the same person the are seeking, even though I share the same first and last name. I have checked my credit report to ensure that they are not reporting false info to it. They are not, but continue to call. According to local law enforcement, I can block their phone #, but that is about it. Do you have any suggestions? Who does MRS associates collect for? JKV

The MRS Associates address mentioned on their website is
MRS Associates, Inc. 1930 Olney Ave. Cherry Hill, NJ 08003.

The telephone number mentioned in their website is (888) 334-5677.

JK Vahle,
First, register on the National Do Not Call Registry, it elevates your complaint to federal status. Next, send a registered letter to MRS with the address listed above requesting they stop electronically contacting you for any reason; also send a courtesy copy of the letter to the Federal Communications Commision complaint department. FCC.com has a complaint form for you to fill out and send with the copy of the letter, it is printer friendly. By federal law, they must stop calling you or the FCC can pull their license and they will be subject to fines and damages. You MUST send the letter and you MUST have definitive proof you sent it. I am not a lawyer, I am just a guy that had a collection agency shut down.

An interesting question. As I have had the same thing happen to me with one of the last letters I sent out.
I have the CM reciept, and eventually recieved the green card, UNsigned, UNdated etc....And I'm wondering how it made it back if it hasn't been properly filled out.

Was sent(3/25/06) to and recieved from:
Plaza Associates
370 7th Ave
New York, NY. 10001

Even though the green card was not filled out, I have not heard anything from them since. So I know they don't have the ability to provide me with the information I requested at the time.
Kind of proves to me they many of these "people"(term used VERY lightly!!) do can't read and/or understand basic english and are unable to follow very simple rules!!

MY opinion only. Take it for what it's worth which ain't much!

Keith,
They have the right to refuse certified mail which is why it is important to contact the FCC. The FCC has their very existance in the palm of their hand. If you complain to the FCC and send a courtesy copy of the letter you sent asking them to stop, including the certified mail number, they will know you asked them to stop and that they just refused the certified letter. Trust me when I tell you that the FCC WILL intervene.

hmmm someone is giving you guys false info... if MRS associates has a letter from the client stating that MRS can request legal action be taken, then MRS can threaten legal action.... the Client must have lawful intent... so its not true that they cant take you to court... it would be MRS requesting it because you don't pay.. but the Client or original contributor of the account would be the one to have the lawsuit against you... PAY YOUR BILLS ON TIME... GROW UP...

you guys should go to fcc.gov... read up on your credit reporting rights as a consumer... your all grown... you should know how your credit looks.. just pay up on time... if you disconnect.. request the final bill be sent to your new/recent address...

Hi,

People come to assume that because they see a 800 # on their called ID, everyone comes to think that we are solicitors or telemarketers, please understand that we are not! 800 # are used for the convenience of people because its TOLL FREE!!

If we are calling is because we may have a past due account (bill) that has been placed into our office, that you may or may not be aware of. (Yes, we are a collection company.) Sometimes we find ways to "skip trace" relatives, neighbors, and/or friends so they can provide us with forwarding information or so they can take the message and pass it to the consumer/debtor. (We do this because the initial phone # that is provided to the creditor/client, before the account gets forwarded to our office, is either disconnected or changed)

Due to federal privacy laws, when we speak on the phone, we can only tell unidentified people (3rd party non-consumer/debtor people) that we are calling regarding a personal business matter.

This is why we ask for verify address, date of birth, and/or last 4 digits of SS# just to make sure we are speaking w/ the correct person, because if we tell anyone else other then the consumer (debtor) about their debt, our company can be sued!

PLEASE UNDERSTAND LADIES & GENTLEMEN, THAT IF YOU ARE THE CONSUMER/DEBTOR... HANGING UP, NOT RETURNING MESSAGES, NOT PICKING UP THE PHONE IS ONLY GOING TO MAKE US CALL MORE & MORE!! IF YOU DON'T WANT TO PAY JUST SIMPLY MAKE IT EASIER FOR THE BOTH OF US, PICK UP THE PHONE, DIAL 1-800-932-4950, TELL US YOUR INTENTIONS, & WE'LL GO FROM THERE.

IF YOU WANT THE COLLECTION CALLS TO STOP AND/OR YOU DON'T WANT TO PAY BECAUSE YOU ABSOLUTELY CANT (REMEMBER THAT WE OFFER SETTLEMENTS & WE CAN DROP THE BALANCE, BY ALOT IN SOME CASES)SIMPLY TYPE UP A CEASE & DESIST LETTER, MAIL IT, FAX IT, E-MAIL IT, WHAT EVER...& WE WILL STOP CALLING!

Cordially,

Collector

ok, now that collectors have chimed in, let's take out the garbage....

1:

Quote:

Can the guest tell me why do they call 3-4 times a day and that too 7 days a week. Every day I receive calls from Tim Brown, Susan Cortez and so many others. FOR GAAAWD sake why don????????t they just quit calling me. I don????????t have any account that is handed over to collections.

Nelly

Until you pick up and tell us we have the wrong #, and that you dont know the debtor, then we will keep calling...most times we call a lot, because when people apply for credit cards, they put their phone #'s plus other #'s on there, but many times, people move, change their #s, & the #'s are assigned to other people...if the # was provided to us in the beginning, we have the right to call to retrieve money back...if we are calling you at a # that you have had for many many many many years, than chances are the reason we are calling you is because you 'might' be related to the debtor (the skiptracing websites/programs, have you listed as a possible relative or neighbor)

Jimbeem, the do not call registry has no affect on collectors as it does not apply to them. It only applies to telemarketers.

Question for collector, now I agree that you have the right to call someone who owes. However, why would you keep calling for weeks and sometimes months knowing that you are not going to get an answer? It seems after a certain amount of time you would just bring legal action and get it over with. Otherwise it appears the constant calling is done just for harassment sake and to irritate.

Mr. Collector is a little defensive there! You have have SOME life going around acting like a jerk to everyone.

I agree that is a very valid question... I feel that at some point the failure to answer or return calls makes the customers intention apparant that they do not wish to pay or discuss the debt. Likewise, there is a point when continued calls become harassing.

When is this point? Well, that is hard to define, exactly. But lets all be honest -- it is definitely harassment.

If you have a debt, stop crying and pay your bills. If an honest mistake was made, resolve it in a timely fashion before it is placed with an agency!!!

Yeah. Sure. Right.

How about those of us dealing with cases where the 'honest mistake' was made by the agency? Hadn't thought of that one, hed you, asshat? How about all those fine, upstanding agencies that buy up debt years past the SOL and then try to re-age it? Gimme a break.

Hey i work at this company they dont care about anything and the workers are treated like slaves and when you give your checking information they put it in there pc your account # and all they just stopped doing this on 1/10/08 so if anyone had bills with them and gave there checking info not a good idea they have a high tern over rate and employment with then is like revolving doors collection agencies is a good way to harber future id theft people.they cannot do anything but call you over and over again thats the further collection actions there talking about i wasnt going to write this but since .laura the head of the north parsippany nj office is a ****why not expose them .the next time you get a call from them tell them i heard mrs is about to go bankrupt so i will deal directly with the creditor or tell them to go f**k themselfs

[color=Red]****Adult term removed - Jason[/color]

Thanks for the interesting insight guest, but please remember this is a family oriented forum, so please try to keep the masked curse words to a minimum.

Thanks again.

I would love to have a conversation with the last Guest...

I'm not one to ask for help, but now I really, really, need too. I am permanently disabled and receive SS which is direct deposited which only is enough to get by and since I became disabled I did indeed have a few credit cards which I was paying, but since by income dropped substantially I became late and then they jacked up the interest rate and realized when I was trying to make payment only about 20 cents was going to the bill when I sent over $100. I couldn't do it anymore since it seemed like everything went up especially oil to heat. The collection ageny called and I tried to tell them I could only afford a couple dollars but they didn't want that and wanted me to agreed to like $100 and sign it, I said I couldn't do that because I didn't have it to do it. My house phone was shut off and one day my neighbor came over on her cell phone and told me on the phone was a doctor that my mother was in a terrible car accident and they needed some information from me as some type of next of kin, I'm just concerne about my mom and wanted to get to the hospital, but when I asked him his name he got real mean and nasty and said this is what you get for not paying your Visa. UNBELIEVABLE. I called the police but they couldn't do anything since I didn't have any information, but getting to the worse part, I went to get my medicine which costs me $100 and my debt card didn't go through for insufficient funds and I knew my ss had just been deposited on the 3rd of the month. When I checked with my bank the credit card company took my whole ss check and I have a 0 balance. Things look very bleek for me, that's all I get is ss and they took it all, what do they think a disabled person can do? I am doomed with money for my medicine, food, doctor's visit my house expenses are due every month. This is America? Are the death notices people who died because of this where can you go when this happens to you. When you don't have no one to turn to? My next check don't come until the 3rd of April. I worked for many years and earned some money, but do we ever actually think that we are going to become disabled? It's something I never thought would happen, I'm still shocked over it and I hate hearing the clicking of high heels on the pavement early morning, because that was me now I'm only the living dead. Well any advice out there would be appreciated. :(

I'm sorry to hear about your situation. The first thing you should do is get your money back. The only way they could just clean out your account like that is if they had a judgment from a court (which means that they would need to sue you and win) even so if you were able to prove your sole income is from SS disability they would not be able to touch it as SS is non attachable income. Let you bank know that you did not authorize the charge, dispute it. Also you should file complaints with the Federal Trade Commission and your state Attorney General's office.

Keep us posted, we will try to help you as best we can.

Follow JC's advice AND call Social Security and have your check sent to your home instead of Direct Deposit. I am going thru the same thing myself because of a disability. My attorney advised me to get a P.O. Box and have all my mail sent there including my SS check. Good Luck.

Thanks for the assistance with this terrible mess. I am so upset and didn't know where to turn or what to do. This has made me so sick I saw myself going to the hospital, but now I have some wonderful advice to follow and it made me feel so much better than so very lost. To think I'm not the only person that it has happen too. I am not the type of person that expects anything for free and when I worked I always paid my bills because I could and if I needed extra money I could work some extra overtime, being disabled you only get what you get. There isn't even anymore income tax refund to look forward too since I don't get enough to even file. I really appreciate your help and I will do exactly what you both told me to do and I will let you know what the result is. Thank you so very much! :D

Sunshinebird, you should file a return anyway, as you may very well be eligible for a payment under the Economic Stimulus Plan. Read this thread and similar ones in the Tax Debt forum. Then spend some quality time reading on irs.gov. Then file a return. It's free.

http://www.debtconsolidationcare.com/ladybug/package-question.html

http://www.debtconsolidationcare.com/tax-debt/about43008.html

http://www.irs.gov

There is also the earned income tax credit.

Absolutely!

I can't understand why no one tells us this kinda information. Every penny we get means so much. Is there any type of booklet of information I failed to receive on all this SO valuable info your giving me to help me? My brain is still trying to comprehend not being able to work anymore and all the medicine doesn't help trying to be normal and functioning. It's very scary and it's very hard to fight by yourself and sometimes you need a helping hand to just figure out things when you didn't even know about what is out there to begin with. If I didn't know about any of this, I'm sure there's plenty of others who don't know either and I find that very sad. I am so lucky to have people like you that take the time to help us out. You are a God send and you don't know how much this all could make life just alittle easier and brighter. Thank you!

The Economic Stimulus plan has been in the news off and on for months. I just happened to stumble over mention of it on a motorcycle forum I frequent, and start digging. I don't watch TV, so I might have missed it until I got official mention from the IRS newsletter, but for that slim chance. I'm just very glad I had the info to hand when you needed it. Now, I want you to pay it forward. Make sure that everybody you know who's in your position knows about this. That's how you pay for the help you get around here. :)

There's no official booklet that I know of. But there is an awful lot of good info on the IRS website waiting to be read. Or print it off and pass it around.

And listen, I ain't nobody's godsend. Just an old, tired biker with a little free time and a yen to help out. I do what I can, but I'm just one Wulf, so that ain't so much. It's the community we've built here that makes us strong.

While we're on the subject of pennies and community here... You really ought to consider signing up as a member. It's free, and you get access to a pretty respectable range of resources. And those 'DebtCC Points' you see under peoples' post headers over to the left? Those are worth a penny each, cash in your pocket. It ain't much, but it adds up. And you might just find the odd bit of useful info, if you hang around in here occasionally.

Best of luck to you. And holler if you need more help.

Hello, it's me again and I followed your advice starting first with my bank to inform them that I did not authorize the two charges #1 $100 for taking out the #2 $1077.00 of my SS disability which left me with $0. The bank manager gave me a print out of a officer from the court with docket no. She also told me that she didn't think they could do that and to keep the account open so they would put it back. I called the officer many, many times and left voicemails over and over and I was right there ready to answer waiting for him to call, when he didn't I left messages on all the other officers voicemail and still never received a return call which I told them over and over that I did not have any money. Unfortunately, I had to get a neighbor to take me back to the bank because I had no gas to get there. She called for me and told them that I have been trying to get the officer to call me back she was very compassionate. When I got home it was the officer and said he had called me that he was playing phone tag with me so the people in the background could hear it which is a totally lie. I waited and went no where and it wasn't until the bank manager called he finally called me. My money is frozen and now I was informed to call the creditor but before I call them call someone give me an idea of what I should say? If they didn't want a meager $5.00 to maybe $10.00 that hasn't changed and I do know that I do owe that money but I an unable to earn money and they also told me before to go borrow some which is mindboggling. The only thing I could do would look around and see if I could sell something or another thought would be to maybe tell them I could wear something with their company logo for some advertising? I hate being yelled out and I'm still not over what they did when they said my mom was in a terrible accident and they were a doctor. Any info would be greatly appreciated. thanks.

The simple fact of the matter is your sole source of income is SS disability which is not an attachable income, the levy on your account needs to be released. Were you served with a civil summons/complaint when they sued you? If not then the judgment needs to be vacated due to improper service.

Oh, I also forgot to mention I also went to that tax site but do you know another one that is free since my state NJ is not listed on there and they want $9.95 which I wish I had. Thanks for your help and I'm sorry for being a pain in the butt.

www.irs.gov
Check there, there are some partnerships with tax providers that allow for free filing.

They said they did but could not give me the date of and it was probably my bad since I was in and out of the hospital so much. It probably was when I was in for the straight 30 days and if I would have known I guess I could or should have asked someone from the hospital to handle my affairs. It just all happened so fast and it just absolutely *****. I just was trying to get better so now this is what I get for not thinking like I should have.

Either way, if you did not receive the summons/complaint then you were not served properly. Grounds for dismissal for improper service. Also as I had stated before, your income is not attachable, therefore the levy needs to be released.

Hello everyone,

I used to work for debt-collection agency, and would like to give you some advice. If these collections agencies are breaking the law you should file a complaint with the FTC and the attorney general for your state. The fdcpa is very strict in the action a collector can and cannot take. Getting these agencies involved in your process will help your cse against these bully collectors. I myself am having problems with MRS associates (for an account of my wife's). They have clerly violated the law, by calling her at her place of employment after she informed them it is not allowed.

Send them a "cease and desist" letter, to stop them from calling her work.

First of all, depending on what type of credit card account it was, there could have been limited information on it. MRS can't send you to jail, they shouldn't have threatened you with that, and you wouldn't have gone to jail. I was recently an associate there, i know how the system works. And you can file a complaint with the FCC, we got many of those. Registering on the do not call list, does nothing for you. We still call as long as we have your number. And as long as the debt isn't payed off. The registered letter does nothing and means nothing to them. You must send a cease and desist letter to MRS stating to not call you anymore. THAT will end the calls. And just because we call you after that, DOES NOT mean we will be shut down. We will only be sued and the associate that called will be sued. As far as calling jeff and saul bottom feeders, MAYBE you should pay your bills. It is not their fault dumbasses open accounts with someone else's SSN. If you truthfully owe a debt and they call you, don't feed them with you can't pay on it now. Calls WILL continue whether you can pay on it or not. Be prepared to be annoyed, that is what they're hired to do.

another old thread revived by a troll.maybe if enough people sued your criminal company.it would be shutdown.your firm is a scam JDB.do not even try to come on here and say otherwise.

theres nothing you can do with mrs, they are a bunch of jerks! especially a "michael" who will tell you any and all lies if he thinks you'll believe it. talk to a supervisor, they are the only ones that are willing to help. also let them know that you will not be threatened and ask if you should obtain a lawyer, they automatically change their tune.