I don't answer from this number

Calls several times a day-all week, 7 days, but never leaves message on answering machine. I don't know if there is some law or something but others like GE DO leave a message. It is very frustrating and annoying!
Does anyone know if debt collectors are required to leave a message AND if the are supposed to call Monday thru Friday and only from 8AM to 9PM? I can not seem to get clarification on this. Also, if it is a business is it not REQUIRED that their name show up on caller ID? Curious to know these answers. TIA

Capital One when I answered

I have been receiving calls every two hours starting at 7am and ending at 8pm. I tried answering a few times but all I heard on the other end was dead air. A message is never left on the machine. I called the number after 9pm. A person answered, "hello". From the background noise, I could tell that it was a call center. I asked, "What does your company do?". He says, "We are a financial service." I asked again, "What exactly does your company do?" He replies, "Have you been getting phone calls?" I say, "Every two hours starting at 7am and ending at 8pm. What do you want?" He asks, "Do you know a Duskey McCoy?" I say, "Absolutely not." He says, "Thank you. You will no longer receive calls." I said, "Thank you" and hung up. Very odd conversation but I'm very happy to report that I haven't received one call from them since.

No message.  Just calls.   Don't know what they want and why they keep calling.

Rec'd a call just now.  Unknown name.  This is the second or third time they have called our house and never leave a message.

If it's a collection company, they are restricted by law to calling between 8:30 a.m. and 9 p.m. - but can do so 7 days per week.

I've heard of this whistle tactic before. Does it work?

I've also heard that by answering the phone, a "predictive dialing" computer program enables the automated callers to target best times to catch you at home with repeated calls.

http://www.privacyrights.org/fs/fs27-debtcoll.htm

A debt collector keeps leaving prerecorded messages on my cell phone looking for someone I?ve never heard of. What can I do?

This is a common occurrence and can be quite annoying. In January 2008, the Federal Communications Commission (FCC), prompted by debt collectors, ruled that autodialed, prerecorded collection calls can be left on cell phones. To fall within the FCC?s ruling, the cell phone number must have been provided on a credit application. http://fjallfoss.fcc.gov/edocs_public/attachmatch/FCC-07-232A1.txt

However, despite the limitations of the FCC?s ruling, the reality is that cell phone numbers change frequently. Frustrations are heightened by the inability often to speak to a "live" person to explain the mistake. Recorded messages often include only a toll free number without the name of a personal contact. The PRC raised these and other concerns when the FCC was considering whether or not to allow debt collectors to leave prerecorded messages on cell phones. To read the PRC?s comments to the FCC on this issue, go to www.privacyrights.org/ar/FCC-DebtCell.htm

If you find yourself on the receiving end of prerecorded collection calls to your cell phone, first attempt to stop the calls by contacting the collection agency. Written contact is always preferable to a phone call. A sample letter to stop contacts about someone else?s debt can be found as an attachment to PRC Fact Sheet 27. www.privacyrights.org/Letters/debt6.htm

If this does not work, as is often the case, complain to the FCC.

You may file a complaint with the FCC by:

E-mail : fccinfo@fcc.gov
Online : www.fcc.gov/cgb/complaints.html
Telephone : Voice  (888) CALL-FCC  (888) CALL-FCC , or ( 888-225-5322  888-225-5322 )
TTY  (888) TELL-FCC  (888) TELL-FCC , of ( 888-835-5322  888-835-5322 )
Mail :
Federal Communications Commission
Consumer & Governmental Affairs Bureau
Consumer Inquiries and Complaint Division
445 12th Street, SW
Washington, DC 20554

The FCC asks that you include the following in your complaint:

Your name, address, and daytime telephone number
The telephone number or e-mail address at which you received an unsolicited commercial message or call, or an autodialed call
As much specific information about the message as possible, including:
the date and time you received the message
the identity of the company that sent the message to you
the products or services that were promoted in the message
the sender's e-mail address and any other e-mail addresses, street addresses or telephone numbers that may be referenced in the message
a description of any contact you may have had with the entity that sent the message, including whether you have done business with that entity before receiving the message/call and any steps you may have taken to reject future messages.

Called my cell phone looking for my disabled brother I ask who they were and what they wanted she would not tell me the company name just her first name.  She said it was an important business matter I ask her concerning what she said she could not discuss it with me I told her that she needed to because I am his guardian she tells me she has no record of that.  I told her to check the court records!  Now here is the weird part my phone is in someone else name.  I think they work for one of the cell phone companies and they pull up numbers of people you call and call them looking for the person!  I wonder if that is not a form of harassment?

MRS Associates, Inc.

3 Executive Campus, #400
Cherry Hill, New Jersey 08002
1-877-508-6304
Web Address: www.mrsassociates.com
 Saul A. Freedman, Pres & CEO
saul1@mrsassociates.com
Jeff Freedman, VP & Partner
jeff@mrsassociates.com
Kelli Coia, Dir of Training/Development
Jill Sittineri, Incentives Mgr.


--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

ONE OF AMERICA'S WORST COLLECTION AGENCIES!  Brain dead debt collectors with a street mentality. Very UNPROFESSIONAL in their business and collections technique.

These are VERY nasty people who go to no end with their lies, intimidation and BS!

These collectors give ALL debt collectors a bad reputation. There is no lie they will not tell, everyone they talk to is about to:

Be arrested
Have their wages garnished
Have a judgment levied against them
All of the above.

NOTHING they say or do is to be believed or trusted. Stay FAR away from these misfits of society; they are as BAD as debt collectors can be!!

IF YOU RECEIVE AN ARBITRATION NOTICE FROM MRS GET IN TOUCH WITH ME.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General

State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY

Dealing with debt collectors
http://www.budhibbs.com/start.html

Statute of limitations by state ? always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from debt collectors ? always double check with your own State Government website
http://www.budhibbs.com/record.htm

From FEDERAL TRADE COMMISSION WEBSITE ? FAIR DEBT COLLECTION PRACTICES ACT
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.


Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.


How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.


What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren?t; or
indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:

you will be arrested if you don?t pay your debt;
they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn?t; or
use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans? Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members? Pay
Military Annuities and Survivors? Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen?s and Harbor Workers? Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.

Has only called me once but I'm already pissed off in anticipation of the deluge it sounds like I'm in for. I am easily creeped out and I do not appreciate PLEASE HOLD FOR AN IMPORTANT CALL ad infinitum in a weird voice

They keep calling but no one answers. If I hold on, we end up getting disconnected. I'm so sick of computers calling!! It's SEVERAL times a day and I don't even know what these people want or who they're trying to contact. A**ho*es

okay...6 times today?  really?

Gimme a break

This phone number has recently started calling me at work at least once every hour
starting at 8:00 a.m. If they are working for a Collection Agency, don't they realize that calling people on their jobs can jeporadize their jobs! I work at the
City Hall for The City of Daytona Beach and having collection agency call you at work is frowned upon and disruptive of your job. How can you be expected to work and do your job, when Collection Agencies are interrupting you every hour of the day!

I have gotten numerous hang ups from this number. It is imperative it stops!

CAlled them back and, at least on it's face, they were very accomodating.  They are a collections agency and were looking for the former holder of my telephone number.  Stated they would remove the number from the system (48 hour turn around).  We'll see.

Got a call from this number(804-234-9064) first on home phone, then on cell.  I called them back and when the answer they do not identify themselves.  I asked what the name of the company is, MRS and what is it,a financial company. I informed them they are breaking the law since my numbers are are on the Do Not Call List, she then asked for my number to see if they have the right number for the person they are wishing to speak with, I told her no and that I was going to report this company and she got rude with me and hung up.

Have been getting calls for another person from this number. It is a collection agency of some kind. Do not deal with them if you have credit problems call and deal with the company you owe money to directly - because the way this business calling from this number makes money is by irritating people and harassing them to the point where they may actually recover some thing for the company that has turned over the collection to the collection companies at large. Hopefully, this kind of activity will be severely curtailed with the revamped collections and credit card regulations.

The company has called my cell phone at least 30 times today. I called back and a recording said the call is important they will be with me shortly. I got tired of holding and hung up. This is ridiculous. I'm tired of calling and being called and no one ever answers. My cell phone is what they keep calling.

i've gotten calls at least 3times a day, starting at 8:30 am until 11:00pm for the last 3 weeks!!! i'm on the do not call registry through my state (ma.) so much for that!!!! all these jerks do is hang-up! what a bunch of a****s!! i hope this company gets sued!!!

That's exactly why I keep a whistle next to my phone, it sends a message that can really cut through the crap!

I called them back because they called me 12 times today ans it's only 11 am! I spoke to a woman just now who asked me repeatedly what my name was and I asked her where she was calling from and she said MRS and I then told her I have never heard of a company called MRS and I said what company are you calling me for? She proceeded to hang up on me!!!!!! This is ridiculous!

I keep receiving calls from 804-234-9064.  I told them to quit calling and they continue.  They are also calling my cell phone.  As in the other comments/complaints, they will not say who they are.  When you pick it up it says a very important call.  The number comes up as unknown.

I got a call on my work phone and my cell phone.  Not sure who or what is is, I do not answer because it is a number in VA, I do not want to get charged and my cell is registered with the do not call list.??

I just filed a complaint about this number.
If any of you want to file a complaint, too go to:
https://complaints.donotcall.gov/complaint/complaintcheck.aspx

This number started calling me at the beginning of the month and I just answer it to hang up.  I don't say anything. Just quickly push the hang up button.  But they keep calling within literally 5 minutes of each call about 3 times and then they call again later in the day.  Sooo annoying!

this call is from a company by the name of MRS. as in above note very rude people and gives very limited information.

Same as above, Called me, I called back said I want to know what this company does she said she couldn't tell me and hung up. I called back told them to take me off thier list. They called back 5 minutes later. Very rude and I would crush them all if I could

This is a very important call....call back and got somone on the line, but they don't want to be very sociable when you call them back, they have their agenda lined out. Got a Mailing Address, not sure they gave me a "VALID" one but I will use it and see what happens.

has called 3 times today no mesage