In business since 1934, Mercantile Adjustment Bureau focuses their collection efforts on four different kinds of debt: financial services, higher education, utilities, and healthcare. On its website, Mercantile Adjustment Bureau LLC says, “At Mercantile, we believe your company or organization should not suffer from the refusal of consumers to honor their financial obligations.” Merchantile Adjustment Bureau’s perception of consumers as those who “refuse” to pay their bills is in stark contrast with the reality that, in today’s economy, many people simply don’t have the means to keep roofs over their heads, much less get out of debt.
Mercantile Adjustment Bureau collection agencies’ focus on financial services collections encompasses a wide variety of types of debt, including auto loans, bank cards, banking fees, retail credit cards, and commercial finance. Mercantile Adjustment Bureau LLC collects student loans on behalf of many public and private colleges and universities, especially those in California, New York, Ohio, Florida, and Kentucky. Mercantile Adjustment Bureau LLC boasts that their medical collections team is industry-specific and HIPAA compliant. Mercantile Adjustment Bureau assures its potential utilities clients that they offer consumers the option of paying over the phone by check, credit card, debit card, and Western Union/Money Gram. Moreover, Mercantile Adjustment Bureau collection agencies has a cadre of lawyers on hand, and makes it clear that they regularly identify “suit-worthy” consumers and “persuade” them to pay rather than be sued.
Mercantile Adjustment Bureau LLC has call centers in Buffalo, NY, and Rochester, NY.
Mercantile Adjustment Bureau Complaints
Mercantile Adjustment Bureau complaints are many and varied. Surprisingly, although the Better Business Bureau has logged 168 closed Mercantile Adjustment Bureau complaints over the past three years (as of June 2012), the BBB gives Merchantile Adjustment Bureau LLC an A+ rating. Moreover, as of June 2012, there have been 18 Mercantile Adjustment Bureau lawsuits filed in federal court for alleged violations of the Fair Debt Collection Practices Act.
Stop Mercantile Adjustment Bureau Harassment
It's unnerving to receive repeated collection calls from debt collectors like Mercantile Adjustment Bureau. If you want to stop Mercantile Adjustment Bureau calls, remember that you have the right to dispute the amount Mercantile Adjustment Bureau is seeking to collect. The Fair Debt Collection Practices Act says that, within five days of contacting you, Mercantile Adjustment Bureau has to notify you in writing of the amount you owe. The collection notice must by law contain provisions that allow you 30 days to dispute the amount Mercantile Adjustment Bureau is trying to collect. It's best to dispute the amount by letter, and to see that letter via certified mail with a return receipt requested.
Mercantile Adjustment Bureau LLC must then provide verification of the debt, and may not continue contacting you until they verify the amount in writing. Your right to dispute may not be compromised in any way by the collector's demand for immediate payment. Regardless of when Mercantile Adjustment Bureau LLC says you must pay, you have 30 days to dispute the amount under the Fair Debt Collection Practices Act. Asking for this information often buys you the time you need in order to formulate a plan of action, so take advantage of this legal provision.
Mercantile Adjustment Bureau Address
Mercantile Adjustment Bureau
6390 Main Street
Williamsville, NY 14221
Mercantile Adjustment Bureau Phone Number: 800-480-7094
How to Stop the Harassment Now
Complete the form to the right for a FREE evaluation, or call Toll-Free . The legal team at Lemberg & Associates is committed to holding debt collectors accountable, and will fight for your rights under the Fair Debt Collection Practices Act.
Note to Readers
The Information on this website is assembled using many public online and offline sources, such as debt collection agency websites, BBB data, regulatory agency reports and websites, and data available through Pacer. It neither is nor is intended to be the full or complete description of any company's business. To the extent any portion of the website is non-factual in nature, it constitutes our opinion only. We ask that you not rely on any information here in deciding whether or not to do business with any company mentioned on this website. Nothing here constitutes or is intended to constitute legal advice. If any reader or user of this website has a question about specific sources for any information used here, click here to submit an inquiry.
If you have been the victim of harassment or illegal or unfair debt collection practices, contact the Fair Debt Attorneys at Lemberg & Associates immediately to discuss your options and protect your rights. When you owe creditors money, you are protected by the Fair Debt Collection Practices Act, as well as other federal and state laws. If a debt collector has violated your rights, you may be entitled to up to $1000 in damages, and they may even have to pay your attorney fees. Sergei Lemberg, and the attorneys at Lemberg & Associates have helped countless people to assert their legal rights with debt collectors. Don't be intimidated by illegal debt collection practices. For more information, contact Lemberg & Associates today at .
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