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Mirand Response Systems Inc

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Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to call you collect.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 5 Comments

    1. Charles H. on April 17, 2015 at 9:42 pm

      Mirand Response Systems Inc called my cell phone. I did not recognize the number, so I did not answer. Within ten minutes, I received a call from Mirand Response Systems Inc on my home phone. Upon answering, a rep from Mirand Response Systems Inc who spoke broken English proceeded to ask for me by name. I asked who was calling, and she only said “I am calling for a private business matter.” The rep at Mirand Response Systems Inc then asked me to confirm my social security number. When I refused to give this, the rep from Mirand Response Systems Inc said she would just call my wife.

    2. Irritated on June 4, 2015 at 10:15 pm

      I just became Power of Attorney for my father who is elderly and disabled. I got a call Mirand Response Systems Inc and they had my father on a three way call. They said they were Mirand Response Systems Inc and said they were collecting a debt. I asked Mirand Response Systems Inc to send me validation. My father was confused and scared when Mirand Response Systems Inc threatened legal action. The actions of Mirand Response Systems Inc coerced me into making payment on a debt neither of us recognizes.

    3. Suzanne T. on November 8, 2015 at 7:29 pm

      Mirand Response Systems Inc said they would delete from my credit report if I paid. I paid but Mirand Response Systems Inc still reports on my credit report.

    4. Ronda Brown on February 16, 2016 at 3:36 pm

      I am a full time employee with a business on the side in which this company called me about while at work at my full time job. I was told I have over $500.00 in negative fees for my personal business in which I was spoken to like I was dirt from the earth. When I investigated further, this company is trying to charge me for a terminal I never used for my personal business which plugged into my cell and when I returned it to my bank to avoid the $60.00 a month fee for having-they are coming up with this outrageous $495.00 early termination fee. This is a complete scam to charge someone for something they never used-NOT ONCE!

    5. n/a on August 18, 2018 at 11:13 am

      Called me trying to scam me. Claiming to be part of the US governments Texas Weatherization Assistance Program (WAP).

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.