Mediation Recovery Center Inc. is a debt collection agency in DeKalb, Illinois, incorporated in 2009. It represents businesses and healthcare providers, and despite its name it is a collector, not a mediation service.
- Type
- Collection agency
- Also known as
- Mediation Recovery Center Inc.; MRCI
- Headquarters
- DeKalb, IL
- Collects
- healthcare accounts, business accounts
- Phone numbers it lists
- (877) 205-7999
- Website
- mediationrecoverycenter.com
63 debt collection complaints were sent to the Consumer Financial Protection Bureau about Mediation Recovery Center from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Mediation Recovery Center?
Mediation Recovery Center Inc., also called MRCI, is a collection agency in DeKalb, Illinois. Its website calls it a consumer management company in DeKalb County and states that it is a debt collector. Its mailing address is P.O. Box 115, DeKalb, IL 60115, and the Better Business Bureau also lists an office at 132 North 3rd Street. The BBB shows the company incorporating on October 27, 2009, and describes it as a collection agency representing businesses and the health industry. We did not find a CFPB enforcement action against Mediation Recovery Center.
The word "mediation" in the name does not mean a neutral third party is involved. Mediation Recovery Center works for the creditor.
Why Mediation Recovery Center May Be Contacting You
Its website does not name the industries it serves, but the BBB profile says it represents businesses and the healthcare industry. A notice from MRCI is likely to concern a medical bill or a balance owed to a business, and the notice itself should name that creditor. The company takes online payments through its website and a separate bill-pay site.
Be careful about who is really calling. The BBB profile reports that the company's owners said its name and location were being used by unauthorized people, and it warns consumers not to confuse the company with calls from (877) 241-9353. The number on MRCI's own website is (877) 205-7999. Before paying, confirm the account using contact details from the company's website or a letter, not from the caller.
How to Check a Debt Mediation Recovery Center Says You Owe
- Insist on a written validation notice. A real collector must send the creditor's name and an itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). A caller who refuses to put anything in writing is a red flag.
- Dispute in writing within the validation period and ask for the original bill. MRCI must stop collecting until it verifies the debt.
- Call the original provider or business to confirm that it placed your account with Mediation Recovery Center.
- Read the time-barred debt notice if one appears. MRCI's state disclosures say it will not sue on debts past the limitations period, and warn that a payment or written promise may restart the time to sue in some states.
- Know the Texas rule. Most debt suits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Illinois and other states have different periods.
What Mediation Recovery Center Can and Can't Do
MRCI collects consumer debts owed to its clients, so it is a "debt collector" under 15 U.S.C. § 1692a(6).
- It may not sue or threaten to sue on a time-barred debt (12 C.F.R. § 1006.26(b)).
- It may not threaten arrest or jail; see can a collector threaten arrest or jail?
- It may not discuss your debt with relatives or your employer (15 U.S.C. § 1692c(b)).
- It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
If its collection seemed improper, see our Texas FDCPA attorneys page. If you think a caller is impersonating a collector, see the FTC's phantom debt collection crackdown.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Mediation Recovery Center or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Mediation Recovery Center: home page
- Mediation Recovery Center: State Disclosures
- BBB business profile: Mediation Recovery Center Inc.
- CFPB enforcement actions search: Mediation Recovery
- CFPB Consumer Complaint Database: Mediation Recovery Center, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Mediation Recovery Center has violated any law. Company details change; tell us if something here is out of date.