MRS Associates (MRS BPO, LLC) is a debt collection agency based in Pennsylvania that buys and collects unpaid debts from original creditors.
In Q3 2025 alone, we at ASAP Credit Repair successfully handled dozens of MRS Associates cases for our clients, helping remove inaccurate items and negotiate favorable outcomes.
If MRS Associates has contacted you, you probably have questions. Maybe they called your phone. Maybe you saw them on your credit report. Either way, you need clear answers about who they are and what to do next.
This guide will explain everything you need to know about MRS Associates.
What Is MRS Associates?
MRS Associates is also known as MRS BPO, LLC. They are a debt collection company that has been in business since 1991. Their main office is located in Cherry Hill, New Jersey. However, they operate across the entire United States.
The company has call centers in Cherry Hill, NJ, Westerville, OH, Dothan, AL, and Mumbai, India. They employ hundreds of people who work to collect unpaid debts.
What Does MRS Associates Do?
MRS Associates collects many types of consumer debts. They work with large financial companies, banks, and service providers. Their job is to get you to pay money you owe.
When they contact you, they might:
- Call your phone multiple times per week
- Send letters to your home address
- Report the debt to credit bureaus
- Offer payment plans or settlements
- File lawsuits if you don't respond
MRS Associates is a third-party debt collector.
This means they don't give out loans or credit themselves. Instead, other companies hire them to collect money that people owe.
Sometimes, MRS Associates also buys old debts from companies at a discount. Then they try to collect the full amount from you.
The company is licensed and regulated. They must follow federal and state laws about how they contact people and collect debts. However, being licensed doesn't mean they always follow the rules perfectly.
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MRS Associates Phone Number and Contact Information
Knowing how to contact MRS Associates is important. You might need to reach them to verify a debt, dispute an error, or set up a payment plan.
Main Contact Information:
- Phone: (866) 301-7471
- Address: 1000 Atrium Way, Suite 220, Cherry Hill, NJ 08002
- Website: mrs bpo. com
When MRS Associates calls you, they should clearly identify themselves. They must tell you they are a debt collector. They should also tell you which company originally gave you the loan or credit.
By law, MRS Associates must send you a written notice within five days of their first contact. This letter is called a debt validation notice. It should include:
- The amount of money they say you owe
- The name of the company you originally owed
- Your right to dispute the debt
- Information about how to ask for verification
Keep this letter. You'll need it to verify the debt is real and the amount is correct.
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Why Is MRS Associates Calling Me?
There are several reasons why MRS Associates might be contacting you. Understanding why they're calling helps you know what to do next.
You Have an Unpaid Debt
The most common reason is that you have a debt that hasn't been paid. After you miss several payments on an account, the original company often gives up on collecting it themselves. Instead, they either hire MRS Associates to collect it or sell the debt to them.
MRS Associates collects debts from telecommunications, student loans, auto loans, credit card companies, and healthcare insurance. They work with many major companies in these industries.
For example, imagine you had a cell phone plan with AT&T. You stopped paying your bill and owed $800. After six months of no payment, AT&T might hire MRS Associates to collect this money. MRS Associates would then start calling you about this $800 debt.
They Bought Your Old Debt
It’s also common that a company like MRS Associates purchases debts instead of just collecting for other companies. When a debt gets very old and hasn't been paid, companies often sell these debts for pennies on the dollar. MRS Associates buys them, hoping to collect the full amount.
If they bought your debt, they now own it. This means they have the legal right to collect it and keep all the money you pay.
It Might Be a Mistake
Not all collection calls are correct. According to recent data, 79% of credit reports contain errors. You might be getting calls about a debt that:
- You already paid in full
- Belongs to someone else with a similar name
- It is past the statute of limitations
- Has the wrong amount listed
- You never actually owed
This is why it's so important to verify any debt before you pay anything.
Impact on Your Credit Report
If MRS Associates is calling you, they might already be reporting the debt to credit bureaus. Having a collection account on your credit report lowers your credit score. This can make it harder to:
- Get approved for a mortgage
- Qualify for a car loan
- Open new credit cards
- Rent an apartment
- Sometimes even get certain jobs
According to the Consumer Financial Protection Bureau, about 22% of Americans with credit files have at least one debt in collections on their credit report. If you're in this situation, you're not alone.
MRS Associates Reviews and Consumer Experiences
Before you deal with any debt collector, it's helpful to know what other people have experienced. MRS Associates has mixed reviews from consumers.
Common Complaints
The Consumer Financial Protection Bureau received more than 207,000 debt collection complaints in 2024. These represented 7% of all consumer complaints. While not all were about MRS Associates specifically, they show that debt collection is a major problem for Americans.
Common complaints about MRS Associates include:
- Calling too frequently, sometimes 3-4 times per day
- Leaving vague voicemails without clear information
- Calling disconnected numbers listed in the caller ID
- Reporting to credit bureaus before sending proper validation
- Difficulty reaching a live person
Some Positive Experiences
Not all experiences are negative. Some consumers report that MRS Associates:
- Offered reasonable payment plans
- Worked with them to settle debts for less than owed
- Removed items from credit reports after payment
- Followed proper legal procedures
Your experience may depend on several factors. These include how you respond to their contact, whether the debt is valid, and which representative you speak with.
Better Business Bureau Rating
MRS BPO, LLC has a profile with the Better Business Bureau. You can check their current rating and read recent complaints on the BBB website. This can give you insight into current issues other consumers are facing.
Who Does MRS Associates Collect For?
Understanding which companies use MRS Associates helps you determine if a collection call might be legitimate.
Major Industries They Serve
MRS Associates works with companies in several industries:
Telecommunications: They collect for phone companies, internet providers, and cable services. If you have an old cell phone bill or an unpaid cable account, MRS Associates might contact you.
Credit Cards: Major credit card issuers use MRS Associates. This includes both bank credit cards and store credit cards.
Auto Loans: If your car was repossessed and you still owe money, or if you defaulted on a car loan, MRS Associates might be collecting this debt.
Student Loans: They handle both private and federal student loan collections. However, federal student loans have special rules about collection.
Healthcare: Medical debts and health insurance bills are also collected by MRS Associates.
Personal Loans: This includes personal loans from banks, online lenders, and credit unions.
How They Get Your Account
MRS Associates gets accounts in two main ways:
Placement: The original creditor still owns the debt but hires MRS Associates to collect it. MRS Associates earns a percentage of what they collect, usually 25-40%.
Purchase: MRS Associates buys old debts from creditors for a fraction of what's owed. They might pay 5-10 cents per dollar of debt. Then they try to collect the full amount from you.
What You Should Do If MRS Associates Contacts You
Taking the right steps when MRS Associates contacts you can protect your rights and your money. Here's exactly what to do.
Step 1: Don't Panic or Ignore It
First, stay calm. Getting a collection call doesn't mean you're in immediate danger. You have rights and options.
However, don't ignore the contact completely. Ignoring debt collectors can lead to lawsuits, wage garnishment, and damaged credit. It's better to face the situation and handle it properly.
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Step 2: Request Written Validation
Before you pay anything or even confirm the debt is yours, request written validation. This is your legal right under the Fair Debt Collection Practices Act.
Send a debt validation letter to MRS Associates within 30 days of their first contact. In your letter, ask them to provide:
- Proof that you owe the debt
- The original creditor's name
- The amount they claim you owe
- Proof they have the right to collect it
- The date the debt originated
Send this letter by certified mail with a return receipt. This gives you proof they received it. Once you send this letter, MRS Associates must stop collection activities until they provide the validation.
Step 3: Check Your Own Records
While waiting for validation, check your own records.
Look through:
- Old bank statements
- Credit card statements
- Payment receipts
- Your credit reports from all three bureaus
See if you can find information about this debt. Sometimes debts are legitimate but the amount is wrong. Other times, you might have already paid it and have proof.
Step 4: Verify the Statute of Limitations
Every state has a statute of limitations on debt. This is a time limit on how long collectors can sue you for a debt. The time limit varies by state and debt type, usually ranging from 3-10 years.
If your debt is past the statute of limitations, MRS Associates cannot sue you for it. However, they can still try to collect it and report it to credit bureaus (until it's 7 years old from the date of first delinquency).
Important: Making a payment or even acknowledging the debt in writing can restart the statute of limitations in some states. This is why you should verify everything before taking action.
Step 5: Decide Your Next Move
Once you have all the information, you can decide what to do:
If the debt is valid and within the statute of limitations:
- Negotiate a settlement (MRS Associates typically settles for 40-60% of the balance)
- Set up a payment plan
- Pay in full if you can afford it
- Request a "pay-for-delete" agreement in writing
If the debt is not yours or has errors:
- Dispute it in writing with MRS Associates
- File disputes with the credit bureaus
- Consider consulting with a consumer rights attorney
If the debt is past the statute of limitations:
- Send a letter stating you won't pay because it's time-barred
- Don't make any payments (this can restart the clock)
- Request that they stop contacting you
Negotiating Settlements
MRS Associates has flexibility in settling debts, with settlements typically ranging from 40 to 60 cents on the dollar. If you want to settle for less than you owe:
- Start by offering 25-30% of the balance
- Negotiate up from there
- Get everything in writing before paying
- Try to negotiate at the end of the week or month when collectors need to meet quotas
- Never give them access to your bank account
Your Rights Under Federal Law
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects you from unfair debt collection practices. Understanding your rights helps you know when MRS Associates crosses the line.
What Debt Collectors Cannot Do
By law, MRS Associates cannot:
- Call you before 8 a.m. or after 9 p.m. in your time zone
- Contact you at work after you tell them not to
- Harass you with constant phone calls
- Use obscene or abusive language
- Threaten violence or harm
- Threaten to have you arrested (debt is a civil matter, not criminal)
- Lie about how much you owe
- Claim to be law enforcement or government officials
- Tell other people about your debt (except your spouse or attorney)
- Continue contacting you after you send a cease and desist letter
What You Can Do If They Violate Your Rights
If MRS Associates breaks these rules, you can:
- Document everything (save voicemails, letters, take notes on calls)
- File a complaint with the Consumer Financial Protection Bureau
- File a complaint with your state attorney general
- Report them to the Federal Trade Commission
- Consult with a consumer rights attorney
If you sue and win, you can recover up to $1,000 in damages plus attorney fees and court costs. For violations of the Telephone Consumer Protection Act (illegal robocalls), you can recover $500-$1,500 per violation.
Final Thoughts
Dealing with MRS Associates or any debt collector can feel overwhelming. However, understanding your rights and taking the right steps makes the situation manageable.
Remember these key points:
- Always verify the debt before paying anything
- Request written validation within 30 days
- Know your state's statute of limitations
- Negotiate settlements in writing
- Don't let collectors pressure or threaten you
- Document all communications
If MRS Associates is contacting you about a debt you believe you don't owe, don't ignore it. Take action to dispute it properly. If you do owe the debt, work on a solution you can afford rather than avoiding the problem.
When in doubt, consult with a consumer rights attorney or credit counselor. Many offer free consultations and can help you understand your specific situation. Taking control of the situation now will help you resolve it faster and protect your financial future.