by ramaputri » Thu Nov 19, 2009 02:15:29 PM
This company is a debt purchaser so it is important that you know who your original debt was with. Most likely MJR 'bought' the debt for 4-7cents on the dollar and the lender doesn't care any more about their debt. As far as the lender is concerned that account is closed.
So companies like MJR are not into client relationship management - they could care less. And they could care less about the rules. Additionally, they will charge you interest exorbitantly (interest they don't have a right to charge), they will collect on accounts past the statutes of limitations, they will lie to credit bureaus, they will enhance the debt amount artificially - far beyond the orginal amount - sometimes 2 to 3 times the original debt amount and charge inflated interest and fees on top of that, they will google you and seek you out on social network sites where they will webpublish that they are a collection agency and you are not responding to them after linking up with you or with someone in your network in an attempt to embarrass you publicly but legally, they will tell your employer that you are deadbeat, they will find your friends and family and tell them the same, they will call you at midnight and on weekends, they will call you on holidays, they will attempt to find all your phone numbers and call you on all of them, they will be rude and harassing, once they know your employer they will call random phone numbers or the main switchboard and leave messages that you are not returning their calls for a debt that you are trying to avoid paying or a business deal that you are reneging or on child support that you should be paying even if you don't have a child. They could care less about spreading lies about you.
My advice is not to answer any call from them at all and to block their number if you can do that. If you were unfortunate to make contact with them, ask them for proof that you still owe a debt. They won't have any of that since they bought the debt which means they only bought basic data from the lender, nothing else. So if they threaten to sue you, tell them to go ahead - they have no proof that you owe them any money and the original lender isn't going to be bothered since they sold the debt and to them the account is closed.