Most American consumers owe money to a mortgage provider, credit card issuer, or medical service provider. When illness, layoffs, or job loss prevent you from maintaining your payments, debt collectors will eventually contact you, and not all of the communications will be friendly.
If the agency behaves in an abusive manner, however, the law lets you take action.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, provides you with a legal safeguard if a debt collector treats you in a rude, deceptive, and otherwise unethical manner. It prohibits collection tactics like those below and imposes expensive fines on any agency that uses them.
- Using an autodialer to leave a series of pre-recorded messages
- Threatening legal actions that they have no intention of taking
- Calling before 8:00 a.m. and after 9:00 p.m. in the consumer’s time zone
- Telling you that you have committed a crime by not paying the debt
- Using foul language
- Claiming to be law enforcement officers to scare you into paying
Company Profile: MRC Receivables Corporation
If you are being called by MRC Receivables Corporation, more information about the company is below.
MRC Receivables Corporation is a debt buyer and collection agency located in San Diego, California. It operates as a subsidiary of Midland Portfolio Services, Inc., which opened in 1953, has 200 employees, and is managed by its CEO, Brandon Black.
It currently has a B+ rating with the Better Business Bureau. Consumer litigation records at the PACER website suggest that people who felt that they were being harassed by MRC Receivables Corporation went to court to deal with the situation.
Alleged Violations against MRC Receivables Corporation
According to PACER, on or around August 12, 2008, MRC Receivables Corporation filed a collection lawsuit against a Texas consumer over a credit card debt. He responded by stating that the debt was time-barred, but was forced to incur attorney fees to defend himself.
Feeling harassed by MRC Receivables Corporation, the consumer sued the agency for the following illegal collection practices:
- Misrepresenting the legal status of the debt
- Using unfair and unconscionable means to collect a debt
The matter was later resolved.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
Any time they appear on your caller ID, it is confirmation that MRC Receivables Corporation is on the line. If they force you to incur legal expenses to defend an attempt to collect a time-barred debt, seek compensation by hiring a consumer lawyer and filing a claim against MRC Receivables Corporation.
If your claim succeeds, you may be awarded $1,000 per FDCPA violation, which sends a message to all collection agencies that the law has to be obeyed.
Case taken from PACER (pacer.gov). File number is Case 3:09-cv-00027-KC from the United States District Court for the Western District of Texas, El Paso 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 MRC Receivables Corporation, or any other third-party collection agency, you may not be entitled to any compensation.