You need to send them a certified, return receipt debt validation letter (think of it as the best $6.47 you ever invested). Also send it first class mail in case no one will sign for it. Make a notation of that fact at the bottom of the letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it. Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front): http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All
Everything else you need to know follows including at least two agencies where you should report their criminal activities.
MIDWEST RECOVERY SYSTEMS
Number threads associated with these crooks: http://800notes.com/Phone.aspx/1-314-720-2929
http://800notes.com/Phone.aspx/1-888-253-3440
http://800notes.com/Phone.aspx/1-314-720-2919#p1212216363392807072
Web site claims they are a DC and a call center and also claims they are in Missouri: http://www.mrs-direct.com/contact.html
BBB gives them an accredited A+ rating with 422 complaints and 6 negative reviews (up from 82 and 1, the really strange part is they have a lot more complaints and bad reviews, yet the BBB raised their rating from a B to an A+, wondering how much that cost?): http://www.bbb.org/stlouis/business-reviews/c ... s-mo-310487393/
This site seems to have a different address for them: http://www.zoominfo.com/c/Midwest-Recovery-Systems-LLC/355286451
LinkedIn page for two of the head criminals: https://www.linkedin.com/in/kenny-conway-16483362
https://www.linkedin.com/in/brandon-m-tumber-85a86334
Missouri Dept. of State info:
Name(s) Midwest Recovery Systems, LLC. Address
Type Limited Liability Company Charter No. LC1228788
Domesticity Domestic
Registered Agent Tumber, Brandon
12 Westbury Dr
St. Charles, MO 63301 Status Active
Date Formed 5/18/2012
Duration Perpetual
Managed by
Reg. Office 12 Westbury Dr
St. Charles, MO 63301
Lots of complaints:
http://badfinance.org/review/1571073/midwest-recovery-systems-debt-collection
http://ficoforums.myfico.com/t5/Rebuilding-Yo ... ms/td-p/4532142
Lots of complaints on their Facebook page and also that they are looking to hire more felons: https://www.facebook.com/MidwestRecoverySystems/
Looks like they were sued:
https://www.pacermonitor.com/public/case/4888 ... tems,_LLC_et_al
https://dockets.justia.com/docket/missouri/moedce/4:2013cv02242/130504
https://www.pacermonitor.com/public/case/1005 ... ry_Systems,_LLC
It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://800notes.com/faq/attorney-general