Call From MRS: How to Deal With Debt Collection Calls

If you're getting a call from MRS, it is likely for debt collection. While getting any call of this nature is overwhelming enough, the calls may keep coming and add to your stress, as debt collection agencies often call multiple times.

This article will cover everything you need to know about calls from MRS. We'll also provide tips on dealing with these debt collection calls, including ways to stop them and how you can know it is a debt collection call before picking up the phone.

What Is MRS?

MRS, also known as MRS Associates, MRS BPO LLC, and MRS Innovative Solutions, is a debt collection agency. It is one of the largest in the industry, servicing numerous Fortune 500 companies in the United States. Considering the companies that transfer consumer debts to MRS, it is a well-known debt collection agency.

Why Is MRS Calling Me?

If you're getting calls from MRS, the reason is simple – you have a past-due debt. After a creditor fails to collect payments directly from you, they will transfer your debt to a collection agency. That's where companies like MRS come into play. They call people with delinquent debt and ask for payment.

However, many scams involve these types of calls. A typical call from MRS and other debt collection agencies starts with the representative asking identifying questions like the last four digits of your Social Security number. These calls will never ask for the details about your debt, as they already know it.

Once your identity is confirmed, they should be able to detail everything about the debt, including the creditor, the exact amount owed, and how long it has been overdue. If they can't provide these basic details about your debt, it might be a scam, especially if the caller asks for personal information, such as your entire Social Security number or date of birth.

How to Stop Calls From MRS?

Since MRS is a debt collection agency and the calls are for this purpose, paying your overdue debt is the best way to end these calls. If that's not an option and you're overwhelmed with calls from MRS, you can take legal action if MRS or any other debt collection agency doesn't abide by the Fair Debt Collection Practices Act.

According to law, debt collection agencies, whether MRS or any other, cannot call you more than seven times in seven consecutive days or seven days after informing you about the debt. Debt collectors are also prohibited from calling you before 8 AM and after 9 PM.

Therefore, if you're getting more than seven calls in a week or before seven days have passed after being informed, you can report it to the Federal Trade Commission. However, this may not end calls from MRS immediately.

While blocking the MRS phone number may seem like a sensible action to take, debt collectors use more than one phone number. Even if you block one number, they may use another to reach you.

Nonetheless, you aren't helpless. You can utilize proven methods to stop unwanted calls from MRS. Here are two ways to stop calls from MRS.

Many spam call blocker apps have caller ID features that display who's calling, even if the number isn't in your contacts. You can install these apps to identify debt collection calls before picking up the phone.

However, many of these features are community-driven, so they rely on other users reporting the caller ID. Due to this, it may not work with newer phone numbers MRS and other debt collection agencies use. Still, spam call blocker apps can help reduce the number of unwanted calls.