Merchant & Medical Recovery Services

Read the following posts for the details about Merchant & Medical Recovery Services collecting agency.Feel free to report the ordeals you underwent at the behest of the harassment by the Merchant & Medical Recovery Services and let other victims share and learn from you.

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Category: Collection agencies
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Comments

7. September 2010, 02:16

I get calls from Merchant & Medical Recovery Services for a debt of $ 1479.00 approximately incurred on buying some kitchen equipment. This payment was a scheduled payment of $200.00 per month and I have not defaulted on even one installment. Merchant & Medical Recovery Services representatives call me almost nine times a day. Sometimes their calls are continuous. I have already repaid an amount of $700.00 as a one time payment recently and sent a copy of the payment to Merchant & Medical Recovery Services. But they don't give up calling and have taken a vow to harass me by calling and speaking the most unparliamentary language.

Lisa Martinez  

22. September 2011, 06:29

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.
• 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 and the Federal Trade Commission. 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

James Worthington  

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