How to Settle Debt With MRS BPO

George Simons | January 31, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: To settle debt with MRS BPO, offer less than the maximum amount you can pay to give yourself room for negotiating. Get the agreement in writing to prevent future issues. Use Solo to streamline the settlement process.

If you have been contacted by MRS BPO about an unpaid debt, you may be feeling stressed and anxious about the future. Do not give up hope. Consumers like you have options and legal rights governing your interactions with debt collectors.

You can effectively engage with MRS BPO with the proper knowledge. For example, you can request legal documents and contact information for consumer protection rights organizations. The intent of this article is to help you become aware of the laws that protect you and how you can resolve your debt issue with MRS BPO.

Settle debt with MRS BPO

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What is MRS BPO?

MRS BPO is a debt collection agency based out of New Jersey, and you can contact the company here:

  • Address: 1930 Olney Ave, Cherry Hill, NJ 08003
  • Phone: 888-334-5677

Who does MRS BPO collect for?

MRS BPO collects for a variety of industries, including credit card companies, health care, auto and student loans, financial services, telecommunications, and utilities.

Read MRS BPO reviews online

Learning what other people have shared regarding their debt collection experience with MRS BPO is a prudent decision, especially if you’re planning to reach out to the debt collector to discuss the amount owed. Solo is here to help. Check out these legit online reviews:

Objectively speaking, the online reviews for MRS BPO are up and down (i.e., some good, some not so good). Despite the relatively mixed reviews, there are consumers who have posted reviews reflecting the fact that you can have a productive experience communicating with MRS BPO on a debt collection matter. Take, for example, the review posted by a borrower named James:

“Very kind people, willing to work with you so long as you work with them. Pleasant experience would rather have a debt collected by them than other agencies.”

James’ review shows that MRS BPO debt collectors are generally open to working with people to resolve their debt issue. Effective communication is essential.

Of course, if the prospect of calling a debt collector to discuss a debt collection matters sounds horrifying, then consider using SoloSettle to negotiate online and resolve your debt through our innovative digital settlement platform.

Tips on How to Effectively Negotiate a Debt Settlement with MRS BPO

If the debt is valid and you know it is owed, then you may want to consider negotiating a debt settlement with MRS BPO. This is a good option if you know that the debt is yours and you have the funds to pay a percentage of the amount owed via a negotiated settlement. Many debt collectors are willing to consider a settlement, even if the total is only a percentage of the amount owed, since it allows them to collect on, and close out, the delinquent account.

There are many benefits associated with a debt settlement. For example, a settlement allows you to avoid going through the stress and hassle of battling the lawsuit in court. In addition, a settlement provides an efficient way to resolve the debt issue so you can move forward in your life.

Here are some recommended steps to try and settle your debt with MRS BPO:

  1. If you’ve been sued by MRS BPO, make sure to file a timely response via a formal Answer. This is important to avoid a court entering a default judgment against you.
  2. Assess the amount you can actually afford to pay toward the debt, preferably in a lump sum (this is often the settlement structure that debt collectors are most amenable to). Your calculation should take into consideration your living expenses such as your rent, utilities, food, gas, and so forth. Conducting this analysis will help identify parameters for your settlement talks.
  3. Once you’ve calculated how much you can reasonably pay toward the debt, then you can reach out to the debt collector. Begin the negotiations by offering a lower percentage of the total debt, anywhere between 30% and 50% of the original amount.
  4. You should be prepared to negotiate upward in the event the debt collector declines to accept your initial offer.
  5. If negotiations go well, make sure to memorialize the settlement in a written agreement. This is commonly referred to as a debt settlement agreement. The agreement should state that the payment will settle the debt in full and that they will not pursue any further legal action or collections.

To learn more about these steps, watch our video guide below:

Which federal laws protect consumers against MRS BPO?

Consumers have over 14 categories of consumer laws that protect them. They ensure a consumer's privacy and identity are safeguarded and protect them from unfair and deceitful business practices. Debt collection agencies are closely monitored by major consumer protection organizations such as the Fair Trade Commission and Consumer Financial Protection Bureau. They ensure MRS BPO operates within the consumer laws.

Among the subdivisions of consumer protection laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act stand out as the most essential in debt cases. Below, we break down the laws that protect you from unfair debt collectors.

Debt collection laws under the FDCPA

Under the FDCPA, MRS BPO debt collectors cannot:

  • Lie about who they are
  • Pretend to be a lawyer
  • Fail to give you more information about the alleged debt
  • Harras or mistreat you
  • Threaten you with a lawsuit if they don’t have legal grounds to file one
  • Threaten arrest of violence
  • Talk to third parties about your debt
  • Fail to protect your personal information

Debt collection laws under the FCRA

  • Give a false debt report on your credit
  • Fail to change your credit report once you have disputed a debt and shown it is inaccurate
  • Report an outdated debt
  • Share your credit information with unauthorized parties
  • Threaten you with a lawsuit, arrest, or violence
  • Contact you multiple times a day

These laws can give you the confidence to respond to MRS BPO without feeling intimidated. Inform them that you know your consumer rights and will report any violation.

How far can MRS BPO pursue me for a debt?

The law allows collection agencies to pursue their money until it is paid, but with limitations on how far they can go. For instance, MRS BPO can call you over and over again, but the law limits the frequency to seven times a week. If you ignore their attempts to collect, they will enter the debt on your credit report. This entry negatively affects your credit score and reduces your chances of getting a credit card or loan.

The greatest action MRS BPO can take is to sue you for the debt. They will notify you about it and deliver a lawsuit document. You must respond with an Answer within 14–35 days, or the courts will grant a default judgment against you.

You can fight MRS BPO by sending a debt validation letter which forces MRS BPO to prove the debt rightfully belongs to you. If they fail to do so, you are entirely free from paying the debt. But, if they succeed in building a solid case against you, they may win the case and a judgment that can allow your wages to be garnished until the debt is paid in full. However, that result is unlikely if you fight back effectively.

What can I do if I lack money to pay MRS BPO?

Try explaining to MRS BPO that you do not have the funds to pay the debt. Since they often receive this reason from consumers, they may not believe you and will continue pursuing the debt. They may later sue you for failing to pay. Do not miss going to court despite your lack of finances. State your position repeatedly to the court after MRS BPO proves you owe the debt.

Explain that you do not deny responsibility, but you cannot pay at the moment. MRS BPO may be willing to work with you to develop a repayment plan.

A second option is to file for chapter 7 bankruptcy which discharges most of your unsecured debt, including:

  • Credit card debt
  • Old cell phone bills
  • Past-due medical bills
  • Back utility bills
  • Personal loans
  • Old store card debts

However, chapter 7 bankruptcy does not dismiss all debt. Financial responsibilities such as child support, taxes, alimony, and government student loans remain active.

Once you file for bankruptcy, MRS BPO and any other collection agency will stop all attempts to collect. The bankruptcy status will remain on your credit report for 10 years, adversely affecting your credit score. You can later work on improving your score as you recover from your financial challenges.

Respond to a debt lawsuit against MRS BPO

If you've been sued for a debt by MRS BPO, don't give up hope. You can represent yourself in court and win! The first step to beating MRS BPO is to respond to the lawsuit.

Follow these six tips to draft an Answer to a debt lawsuit against MRS BPO:

  1. The Answer isn't the place to tell your side of the story in detail. Instead of using an elaborate story to respond to the lawsuit, your Answer should focus on responding to the claims listed in the Complaint document. Keep it simple. You can admit, deny, or deny due to lack of knowledge.
  2. Deny, deny, deny. Most attorneys recommend that you deny as many claims as possible, forcing MRS BPO to do more work to prove their side of the case.
  3. Include affirmative defenses. These are any legal reasons that MRS BPO should not win the case. A common affirmative defense used in debt lawsuits is the statute of limitations, which is the time period that a debt collector has to sue someone for a debt. If the debt is past the statute of limitations, then the lawsuit is void.
  4. Use standard formatting or “style”. At the head of the Answer document, be sure to include a caption where you list the court information, party information, and case number.
  5. Include a certificate of service. It's important to serve your Answer to MRS BPO. At the end of your Answer document, include a certificate of service when you verify the address you used to serve MRS BPO the Answer.
  6. Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

Solo can help you draft and file an Answer in all 50 states.

Learn more about these six tips in this video:

Who can help me engage with MRS BPO on a debt collection matter?

So far, we have seen that FTC and CFPB, among other organizations, help to safeguard your financial and consumer rights. You can report any questionable business practices on their respective websites. They will follow up on the complaint and possibly take legal action, if there is sufficient evidence to confirm a legal violation. Your state attorney general's office may also follow up on complaints related to alleged unfair business practices and may be willing to take action if need be.

Solo can also help you represent yourself in court.. Finding an attorney is stressful, time-consuming, and expensive. You can be your own attorney with Solo’s help. Our software assists you in drafting professional and compelling documents needed to address MRS BPO. For example, our debt validation letter asks MRS BPO to verify the debt is yours. An Answer documents helps you respond to a debt lawsuit against MRS BPO.

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


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