Are you being called by MCA Management Company?* Here's what you need to know.
Debt collectors can be pushy and even rude in their demands, but don’t let them harass you into paying a debt you can’t afford or may not even belong you. If they try to expedite payment by threatening you with wage garnishments, ruined credit, or a lawsuit, they’ve broken federal law and you have grounds to sue.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a consumer protection law that makes it illegal for third-party debt collectors to harass you into paying a debt. Tactics like the following can cause a collection agency to be fined and even lose its license.
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Refusing to provide proof that you owe a debt and they are authorized to collect it
- Threatening action they are not in a position to legally take
- Demanding amounts not supported by law or the original creditor agreement
- Failing to report a debt as disputed to the credit bureaus
- Using profane and obscene language
Company Profile: MCA Management Company
If you are being called by MCA Management Company, information about the company is below.
MCA Management Company, which also does business as Medical Commercial Audit, Inc., is a debt collection company located in High Ridge, Missouri. It was established in 1950, has less than 10 employees, and is managed by Julia Repa. Litigation records on file at the PACER (Public Access to Court Electronic Records) website confirm that consumers who felt they were being harassed by MCA Management Company filed lawsuits to demand compensation for their infringed rights.
Alleged Violations against MCA Management Company
Kristine Bromley vs. MCA Management Company*
According to PACER, on or about December 6, 2015, MCA Management Company began reporting a medical debt allegedly owed by Missouri resident Kristine Bromley to the credit bureaus. The balance reported at the time was $398, but when she checked her credit report on or about June 16, 2016, the company reported an updated amount due of $497, which was a 25% increase.
Feeling harassed by MCA Management Company, she hired a consumer attorney and filed a class action lawsuit against the company for allegedly violating the FDCPA in the following ways:
- Misrepresenting the character, amount, or legal status of the debt
- Attempting to collect an amount not permitted by law or the original creditor agreement
The matter was later resolved.
Hire an Attorney
The phone numbers for this collection agency are as follows:
If any of them appear on your caller ID when the phone rings, it means that you are being called by MCA Management Company. If they increase the amount you allegedly owe without the proper authority or legal standing, hire a consumer attorney. If you file a claim against MCA Management Company and win your case, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. Your rights as a consumer must be respected, or the agency could be the one owing money.
*Case taken from PACER (www.pacer.gov). File number is Case: 4:16-cv-01298-JMB from the United States District Court for the Eastern District of Missouri, Eastern Division
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against MCA Management Company, or any other third-party collection agency, you may not be entitled to any compensation.