Mountain Land Collections, Inc. is a Utah collection agency serving businesses in the Salt Lake City area. If it is contacting you, a Utah business has likely placed an unpaid account with it.
- Type
- Collection agency
- Also known as
- Mountain Land Collections, Inc.; MLC
- Phone numbers it lists
- (801) 492-1596
- Website
- mlc123.com
109 debt collection complaints were sent to the Consumer Financial Protection Bureau about Mountain Land Collections, Inc. 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 Mountain Land Collections?
Mountain Land Collections (MLC) calls itself "Utah's Premier Collection Agency." Its About page says "MLC was founded in 1991" and describes the company as a "fully licensed and bonded collection agency in Salt Lake City and surrounding areas." Its mailing address is PO Box 1280, American Fork, Utah 84003, and the phone number linked on its About page is (801) 492-1596. The website offers consumers a payment portal, payment-plan information, downloadable forms and an FAQ.
We did not find a CFPB enforcement action against Mountain Land Collections.
Why Mountain Land Collections May Be Contacting You
MLC does not publish a list of clients or industries. Its site describes "customized debt collection programs" for client businesses. The surest way to know what the account is about is the creditor name on the validation notice.
If you once lived in Utah, or used a Utah business, and later moved, an old account can still be sent to MLC. You may first see it as a call, a letter forwarded to a new address, or a collection entry on a credit report.
How to Check a Debt Mountain Land Collections Says You Owe
Because MLC works for local businesses, the original records are usually close at hand: the business that billed you should still have them.
- Get the validation notice. MLC must send one with the creditor's name, an itemized balance and a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period if the business, the service or the amount is wrong. MLC must stop collecting until it mails verification. Our page on disputing a debt walks through it.
- Ask whether the business still owns the account, and for a copy of the original invoice or contract.
- Look for added amounts. Compare the balance to the original bill and ask what any extra interest or collection costs are based on.
- Keep the limitations period in mind. Texas generally gives four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Utah and other states set their own periods.
What Mountain Land Collections Can and Can't Do
An agency collecting for client businesses is a "debt collector" under 15 U.S.C. § 1692a(6), so the FDCPA and Regulation F apply.
- If you tell it in writing to stop contacting you, it must stop, apart from limited notices such as a notice that it is ending collection or filing suit (15 U.S.C. § 1692c(c); more).
- It may not communicate with you through social media in a way others can see (12 C.F.R. § 1006.22(f)(4)).
- It may not report a debt to a credit bureau before communicating with you about it (12 C.F.R. § 1006.30(a)).
- If a client sues in Texas and wins, Texas law still bars wage garnishment for ordinary consumer debts.
To learn more, see our FDCPA attorneys page.
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 Mountain Land Collections 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
- Mountain Land Collections: home page
- Mountain Land Collections: About Us
- CFPB enforcement actions search: Mountain Land
- CFPB Consumer Complaint Database: Mountain Land Collections, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Mountain Land Collections has violated any law. Company details change; tell us if something here is out of date.