Mercantile Adjustment Bureau

I had to declare bankruptcy after job loss back in the beginning of 2009. My utility bill was included for a home I no longer lived in. Utility company has it correctly marked as a balance of $0 and discharged in bankruptcy with last report month being my month of discharge in May of 2009. Over two years later, this unscrupulous zombie debt buyer comes along and adds a collection to my credit report and improperly dates the original date as January of 2011. Thankfully they're too stupid to even get their dates right, can't wait to meet these clowns in court. They probably bought my file for under a dollar, can't wait to stick it to them. Trying to collect discharged debt should be punishable by fines and felony charges for those in charge of this company. more

They get one star because you can't proceed without it. First this outfit has called everyone in my Mom's family harassing us about an alledged debt my Mom had. My mom passed away. They have been told repeatadly to STOP the callse and harassing everyone in my late Mom's family and yet they continue. Interesting, they want to harass and abuse all of us about this alledged debt and when we ask who it is with they say they can't tell. Anyway, they have crossed the legal line on a number of occasions we are retaining an attorney and filing a complaint with the State Attorney General. THESE PEOPLE ARE A REAL PIECE OF WORK. more

After my husbands unpaid credit card (15 years old) went to this collection agency we called to settle his debt. I paid the settled monies in March of 2010 with the agreement that this would be taken off his account. In July 2010 it was still on there. Cons: Rude, Unprofessional, more

This agency gave me a fair shake. They answer the phones immediately and you do not have to wait or get caught up in a circle of options. The person I dealt with was very professional, spoke slowly and made me feel at ease. It's my fault that they are calling in the first place, hey things happen and good thing we have time to dig out versus getting sued right away. If you work with this agency they are willing to work with you. Pros: Answer phones willing to listen and help Cons: reality they are a collection agency more

First of all they call all the time and do not have any accurate information about anyone. They also break ever consumer credit law by releasing information about people to complete strangers. I think they actually purchase lists of debts that have been written off by creditors, and they try to extort money out of people, mostly because people do not know their rights as consumers. Make them mail you the information otherwise known as ""proof of debt"", if they cannot do that tell them to f@ck off! Do not fall for the ""we will settle for this dollar amount, if you give us your credit card number now""! Just block the calls it will be your best course of action, or call the New York attorney general and turn them in for breaking the law. more

We became aware Mercantile Adjustment Bureau through a number of off-hours calls to my residence - leaving nothing but a callback # at 866-809-7506 Pros: answer the phone when called Cons: rude, derisive, unprofessional more