- Report: #248914
Complaint Review: MRS Collections Mercantlie Adjustment Bureau Pallino Assets LLC - Internet
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MRS Collections Mercantlie Adjustment Bureau Pallino Assets LLC
mrsassociates.com/govedu.html Internet, U.S.A.
Phone:
877-2308414
Web:
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MRS Collections , Mercantlie Adjustment Bureau,Pallino Assets Threatening phone calls, fraudulent claims, ignorning cease and desist letters Internet
Less than two weeks ago we recieved our first phone call from some "company" that only left their number and a name (Kim Carroll). Ms. Carroll instructed my wife to call her back immediately
I returned the call and found that Ms. Carroll was "getting ready to file arbitration paper on behalf of her client for monies owed from an old MBNA account, and that failure to pay this would result in my wife having her wages garnished and her property siezed."
Being dumb, and my wife being 9 months pregnant, I immediately asked what could I do to resolve the matter without further harrasment. I was instructed to come up with roughly $6,000 by 2pm the following day. I called them back later that day stating that I might be able to work something out, but I would need more time and I was told there would be more time as the paperwork would be filed in my county the following day at 2pm. I pleaded with Ms. Carroll as my wife was going into the hospital the very next day for a C-section... she wasn't fazed.
Since I had not been provided any other information, I immediately contacted an attorney (friend) and did some research on the net. (found this site) I eventually pieced together that Pallino Assets LLC had hired MRS collections to pursue this account. I took the advice of my attorney, and a cease and desist letter along with the usual provide proof of the debt etc was sent off.
Over the next 5 days, these people called my cell, my wife's cell and our home at least 3 times a day. They even called us while we were in the hospital with our newborn.
Then the started calling my wife's parents and telling them she was going to be sued. This of course was way after the magic deadline of 2pm as originally told to me. They have gone as far as to call from the same number (877) 230- 8414 to say that they are with the Gwinnett County (county I live in) Government and that my wife needs to schedule a time for her court appearance...
Now, after we are certain they have recieved the C&D letter, they continue to call FROM THE SAME NUMBER, but this time there's a new name behind the calls claiming to be an attorney with Mercantile Adjustment Bureau. I looked his name up on a website listing New York attorneys (Mercantile is based in Buffalo) but he was not listed.
I wish I had the time and energy to sue these people. They continuously scoff at the laws provided to keep them in check. Any further ADVICE?
Joe
Dacula, Georgia
U.S.A.
I returned the call and found that Ms. Carroll was "getting ready to file arbitration paper on behalf of her client for monies owed from an old MBNA account, and that failure to pay this would result in my wife having her wages garnished and her property siezed."
Being dumb, and my wife being 9 months pregnant, I immediately asked what could I do to resolve the matter without further harrasment. I was instructed to come up with roughly $6,000 by 2pm the following day. I called them back later that day stating that I might be able to work something out, but I would need more time and I was told there would be more time as the paperwork would be filed in my county the following day at 2pm. I pleaded with Ms. Carroll as my wife was going into the hospital the very next day for a C-section... she wasn't fazed.
Since I had not been provided any other information, I immediately contacted an attorney (friend) and did some research on the net. (found this site) I eventually pieced together that Pallino Assets LLC had hired MRS collections to pursue this account. I took the advice of my attorney, and a cease and desist letter along with the usual provide proof of the debt etc was sent off.
Over the next 5 days, these people called my cell, my wife's cell and our home at least 3 times a day. They even called us while we were in the hospital with our newborn.
Then the started calling my wife's parents and telling them she was going to be sued. This of course was way after the magic deadline of 2pm as originally told to me. They have gone as far as to call from the same number (877) 230- 8414 to say that they are with the Gwinnett County (county I live in) Government and that my wife needs to schedule a time for her court appearance...
Now, after we are certain they have recieved the C&D letter, they continue to call FROM THE SAME NUMBER, but this time there's a new name behind the calls claiming to be an attorney with Mercantile Adjustment Bureau. I looked his name up on a website listing New York attorneys (Mercantile is based in Buffalo) but he was not listed.
I wish I had the time and energy to sue these people. They continuously scoff at the laws provided to keep them in check. Any further ADVICE?
Joe
Dacula, Georgia
U.S.A.
2 Updates & Rebuttals
Catherine
Florissant,Missouri,
U.S.A.
to jow
#2Consumer Comment
Mon, August 11, 2008
Joe, I am a 3rd party collector and what I have to say may help you.. The fdcpa (google it) can help you.. per these guide lines a 3rd party debt collector cant say they are going to sue etc unless they actually intend to do so is against the law. if u did file a cad letter i hope u sent it certified mail where they will have to sign for it if not send it again. keep record of every phone call who u spoke with time and date. if they actually speak to u lets say tuesday morning at 8 am unless u give them permission to call you back they cant. now sometimes companies use an auto dialer which might call u a 2nd or 3rd time in a day just tell the rep u have already spoke with someone and dont like repeated calls. also file a complaint with the ftc and your atty general also the bbb. i myself have delt with this company and they break every fpcpa law there is.... oh one more thing check with the laws in your state but at least on first contact they have to issue the mini maranda which is this is an attempt to collect a debt and any information obtained will be used for that purpose.... they cant tell 3rd parties about the debt either and some states dont even allow a collector to talk to anyone other then the person who owes the money.... hope this helps
Sandra
Yakima,Washington,
U.S.A.
To Joe
#3Consumer Comment
Thu, April 24, 2008
Do as your attorney advises. Most collections are hot air. Unless it is worth the time and money, they will just harrass and nothing much else. Check the statutes of limitations on creditcards in your state and hold fast. Don't put yourself or your family in jeopardy to pay some person who is usually some poor slob that is trying to keep his job. Collectors scare people because they take the consumer off guard and sound so authoritarian. In fact tell them to take you to court. Most lose their guts when forced to take a stand against a stand.
