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Municipal Collections of America Inc

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Municipal Collections of America Inc is a company that works with various businesses to provide collection services and recover debt. 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.

  • 3 Comments

    1. Carla on March 22, 2015 at 12:20 pm

      They called so much I called and asked for information about my sons tickets. I told them I was not the debtor . They never asked where he was nor asked if I was authorized to receive this information. Jennifer proceeded to give me EVERY detail about his debts and offered a payment plan.she I guess was only thinking about her commission and not the FDCPA.

    2. Lisa on April 23, 2015 at 1:44 pm

      Dewayne Leslie, “the Manager”, is one of the most non professional people that I have had the pleasure of speaking with. He does not seem to like his job and needs training on customer service! I would love to have a conversation with his manager to tell them my experience.

    3. Fred on November 7, 2016 at 6:40 am

      Illinois. They called and the same day I received their letter. My mistake was loaning a car to someone who ran a red light. After checking on this company, Illinois Department of Financial and Professional Regulation verbally said the license was not valid but when I filed a complaint I have not received anything from IDFPR. How can this company operate in Illinois without a valid license ( web Page says it is valid, verbally it is not ) apparently when you are collecting for a Municipality you can do whatever you want in the State of Illinois and the people can not even get a response from the state.

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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.