Start My Answer
loading...

What to Do If MRS Associates is Collecting from You

George Simons, JD/MBA Hannah Locklear
Written by George Simons, JD/MBA , Edited by Hannah Locklear
Last updated on March 06, 2026

Summary:If you’ve been sued for a debt by MRS Associates, it’s important to respond before your state’s deadline. Use an Answer form can help you prepare and file a response in as little as 15 minutes.

MRS Associates, Inc., also known as MRS Innovative Solutions and MRS BPO, LLC, is a debt collection agency. The company works with businesses across a variety of industries—including financial services, telecommunications, utilities, education, retail, and more—to collect past-due accounts.

In some cases, MRS collects on behalf of original creditors. In others, the company may purchase accounts from creditors or other debt buyers and then attempt to collect the balance owed.

This article will tell you everything you need to know about MRS Associates, your rights, and how to respond to MRS debt collectors when they contact you about a debt.

Let's get right to it.

What is MRS Associates?

MRS Associates, also known as MRS Innovative Solutions and MRS BPO LLC, is a debt collection company. MRS BPO collects for various industries, including commercial, e-commerce, parking, road tolls, financial services, technology, telecommunications, utilities, education, auto, and retail.

Companies from these industries hire MRS Associates to follow up on overdue debt. They give MRS collections an agreed percentage of the money they succeed in collecting. Alternatively, they may also buy your debt account from their clients, the original lender. The client could be a creditor or another debt collection agency that has failed to collect.

MRS Associates has been in business for more than 30 years and is accredited by the Better Business Bureau (BBB). As with many large collection agencies, customer reviews on public platforms vary.

Physical Address:
1930 Olney Ave
Cherry Hill, NJ 08003-2016
Phone Number: (888)-334-5677
MRS Associates website: https://www.mrsbpo.com

MRS typically contacts consumers by phone or mail regarding outstanding accounts. If you are contacted, it’s important to verify the details of the debt before making any payments.

Like all third-party debt collectors, MRS Associates is required to follow federal and state debt collection laws, including the Fair Debt Collection Practices Act (FDCPA). These laws establish guidelines for how and when collectors may communicate with consumers.

If you believe a collector has contacted you at inappropriate times, provided inaccurate information, or communicated in a way that does not comply with the law, you may consider reviewing your rights under the FDCPA.

What do MRS Associates reviews say?

As with many debt collection agencies, MRS Associates has received consumer complaints through public forums such as the Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB). Complaints often involve issues such as:

  • Frequency of phone calls
  • Disputes about account accuracy
  • Questions regarding credit reporting
  • Settlement offer misunderstandings

If you experience concerns regarding a debt collection account, you can request written verification of the debt and review your credit reports to confirm accuracy.

Understanding Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) sets rules that third-party debt collectors must follow. Under federal law, debt collectors generally may not:

  • Call before 8 a.m. or after 9 p.m. unless you agree
  • Contact you at work if your employer prohibits it
  • Use threatening or obscene language
  • Misrepresent the amount or status of a debt
  • Discuss your debt with unauthorized third parties
  • Threaten legal action they do not intend to take

If you believe your rights have been violated, you may file a complaint with the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB), or your state attorney general’s office.

How should I respond to MRS BPO?

1. Request Debt Validation

You have the right to request written verification of the debt. This can help confirm the amount owed and the party entitled to collect it.

2. Review Your Credit Report

You are entitled to a free credit report annually from Experian, TransUnion, and Equifax. Review the entry carefully to ensure accuracy.

3. Dispute Inaccurate Information

If information on your credit report is incorrect, you may submit a dispute directly with the credit bureaus.

4. Consider Settlement or Payment Options

If the debt is valid and within the statute of limitations, you may consider discussing payment arrangements or settlement options with the collector.

Record your conversations with debt collectors

It’s helpful to keep records of all communications regarding a debt. This may include:

  • Dates and times of phone calls
  • Names of representatives
  • Account numbers referenced
  • Copies of letters or emails received
  • Notes from conversations

Maintaining organized records can help you track progress and protect your rights if questions arise later.

Keep accurate notes

Debt collectors usually call consumers in a hurry to convince them to make debt payments without confirming any information or tracking the communication. Hence, when a MRS debt collection agent calls you, ensure you keep a record of the conversation and:

  • The number of times they call
  • The agent's name
  • The number used to contact you
  • The time of day
  • The length of your conversation

The more information you can log, the better your chances of winning a case in a lawsuit against MRS Associates.The same applies to any mail sent to you from MRS Associates. Never throw any of their mail away, no matter how aggravated you are with them.

Request a debt validation

Often, debt collectors try to collect a debt from a consumer using information from an old, outdated debt. They can do it intentionally to pull in extra revenue or unintentionally because the information was erroneously transferred from the original creditor.

The main aim is to be sure that the debt is valid. You have a legal right to request debt validation. So, how do you go about doing this? It's actually easy and straightforward.

Send a Debt Validation Letter to MRS Associates

Send SoloSuit's Debt Validation Letter to MRS debt collection agency requesting them to provide more details on the debt in question. Debt verification will help you avoid paying more than you owe or a debt that is not yours.

Debt validation can also help you avoid being sued for a debt.

You may discover that the harassment you are dealing with is unfounded. Just because MRS Associates has one of your old bills doesn't mean you owe them money. If it is determined that the debt is invalid, the law dictates that MRS Associates debt collections must cease all further attempts to collect from you. To ensure the debt validation notice from MRS is legitimate, request that they send it via certified mail.

You also have rights under the statutes of limitations—the timeline a debt collector has to collect from a consumer before the debt is time-barred.

Every state has a different timeline for the statute of limitations on debt. In addition, the type of debt also determines the timeline for collection. For example, the statute of limitation for car loans in most states is four years, while the statute for credit cards is usually six years.

The statute of limitations clock starts when you fail to make a scheduled payment on a debt account. Every time you make a payment on the account, the statute of limitations clock resets. So, before you agree to pay a debt collector, check the statute of limitations to avoid resetting your clock.

Let's consider an example.

Example: Scott defaulted on an auto loan repayment. The creditor realized the debt was due to expire in 25 days and hired MRS collection agency to collect from him. The agents started calling Scott multiple times a day and threatening him with a lawsuit. Even if MRS Associates' lawsuit is sent via certified mail, the debt will expire before they can take any legal action against Scott for not responding.


Watch this video for more information about how Debt Validation Letters work:

Negotiate a debt settlement

When you confirm the debt belongs to you, inform MRS debt collections that you want to settle through negotiation. The amount you want to arrive at should be one you can pay once or without defaulting. Once they agree, prepare yourself with the amount you want to begin negotiating with to the amount you are willing to accept to enter into a MRS Associates settlement deal.

MRS collections may have bought the debt for pennies on a dollar and can take a lower amount of up to 50% less. On other occasions, the creditor is happy to receive any amount from you, even if it is 30% of the entire debt.

For example, if you have a debt of $1100, start negotiating at $450. MRS collections may begin with $850. Give another counter offer of $550 as you explain your situation. They may counter again and stop at $600. Take the offer if they refuse to budge.

What if MRS Associates sues me for a debt?

The first step to beating MRS Associates in court is to respond to the lawsuit with a written Answer. Follow these three steps to respond to a debt collection lawsuit against MRS Associates:

  1. Respond to each claim listed in the Complaint document. When you're sued for a debt, you should receive two legal documents called the Summons and the Complaint. The Summons notifies you of the lawsuit, while the Complaint lists the specific claims MRS Associates is making against you. In your Answer document, respond to each claim from the Complain by admitting, denying, or denying due to lack of knowledge. Most attorneys recommend denying as many claims as possible.
  2. Assert your affirmative defenses. An affirmative defense is any legal reason that MRS Associates should not win the case. For example, if the statute of limitations has expired, you should include this as an affirmative defense.
  3. File your Answer with the court, and send a copy to MRS Associates. Be sure to send your documents via certified USPS mail and request a return receipt.

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

Watch this video to learn more about these three steps:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.

Ask a Question.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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




Contents