MRS BPO: Who They Are and Your Rights

Type

Collection agency

Also known as

MRS BPO, LLC; MRS

Headquarters

Marlton, NJ

Phone numbers it lists

(888) 334-5677

Website

mrsbpo.com

1,364 debt collection complaints were sent to the Consumer Financial Protection Bureau about MRS BPO, LLC 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 MRS BPO?

MRS BPO, LLC is a collection agency at 402 Lippincott Drive in Marlton, New Jersey. Its website says it was founded in 1991 and works for "blue-chip clients." The company also says it recently received a majority investment from an artificial-intelligence and machine-learning company, and it names Sandeep Behari, a former Citi executive, as CEO. Its state disclosures list a California collection license (10799-99) and a local office in Centennial, Colorado.

The site identifies MRS BPO as a debt collector throughout, and its home page markets payment plans, possible discounts and around-the-clock access to an online customer portal.

Why MRS BPO May Be Contacting You

MRS doesn't publish a list of the creditors it works for, so the only reliable way to learn what an MRS message is about is to read the validation notice or log in to the portal. Because it serves large corporate clients, an MRS contact typically concerns a consumer account you had with a big company, and the creditor named on the notice is the business that placed it.

The company's main number is (888) 334-5677, and it lists [email protected] and [email protected] for email. It says it contacts consumers by text, online portal and phone. The Colorado office number in its disclosures, (303) 468-5779, is a local line for Colorado residents.

How to Check a Debt MRS BPO Says You Owe

A text with a "pay now" link is a quick way to resolve a real debt, but it isn't proof that the debt is yours or that the balance is right. Before using the portal:

• Ask for, or locate, the validation notice. Federal law requires it within five days after first contact (15 U.S.C. § 1692g), and Regulation F spells out what it must say (12 C.F.R. § 1006.34), including the creditor's name and an itemized balance.
• Dispute in writing within the validation period if the account or amount is wrong. MRS's Washington, D.C. disclosure lists the documents consumers there may request, such as the signed contract, the last payment date and an itemization, and those are sensible things for anyone to ask for.
• Ask whether the creditor named in the notice still owns the debt or whether it was sold.
• Before accepting a "discount," get the terms in writing, including whether the remaining balance will be considered settled.
• Check the age of the account. In Texas, most debt claims must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set their own limits.

What MRS BPO Can and Can't Do

MRS collects debts owed to its clients, which makes it a "debt collector" under 15 U.S.C. § 1692a(6). For an agency that relies on text messages and a portal, these rules are especially relevant:

• Each collection text or email has to include a reasonable, simple way to opt out (12 C.F.R. § 1006.6(e)).
• No more than seven call attempts in seven days per account (12 C.F.R. § 1006.14(b)(2)); see our Regulation F overview.
• It can't collect any fee that your agreement or the law doesn't authorize (15 U.S.C. § 1692f(1)). That question can come up with convenience fees for paying online or by phone; see our note on pay-to-pay fees, including the CFPB's 2025 withdrawal of its guidance.
• It can't misrepresent a "discount" offer, such as falsely saying it expires or that the debt will be reported differently.
• In Texas, ordinary consumer debt can't be collected by wage garnishment.

You can also tell a collector in writing to stop contacting you; see the 11-word phrase. If MRS's conduct concerns you, our FDCPA attorneys can review it.

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 MRS BPO 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

• MRS BPO: home page
• MRS BPO: About us
• MRS BPO: State disclosures
• CFPB Consumer Complaint Database: MRS BPO, LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that MRS BPO has violated any law. Company details change; tell us if something here is out of date.