Ken Hughes - Merchants' Credit Guide Illegal Debt Collection Practices, Scam Collection Agency eipodd Chicago Illinois

Hello Don,

I was once a bill collector, but not for MCG. All your talk about filing reports with the FTC. it's not going to help you and here's why.

MCG is a bunch of hacks, but they are not ignoring the law. What they do is not polite, but it is legal. If they purchased a debt that was written off, or is past the statute of limitations, they can still attempt to collect it. They just can't credit report it again or take any legal action. I left collections because of these shady practices. So I don't agree with it, but it's not illegal.

So here's the best thing to do. Write a letter to MCG. In the letter, request that they "Cease Communication" to your address and phone number. You probably want to send it with a delivery confirmation as well. Once they receive this letter, they are bound by law to stop contacting you in any way unless they can prove that you owe the debt. Since they are junk debt collectors, they probably won't waste any time or money validating your debt. If you still get calls after they receive the letter, then you should get mad.

You have the right to contact the FTC or the Attorney General, but all they can do is enforce the law (which MCG isn't breaking). Usually they will just write a letter anyway.

I just hate to see you wasting your time with lawyers who can't do anything for you when a simple letter will solve your problems.

Peace,
Kevin

This company continues to "fish" for suckers willing to take the bait. They illegally try to collect debts more than 7 years old by calling every day with their automated phone system. Don't call them back! Instead, do as I did:

1. File a complaint with the Federal Trade Commission on their web site.

2. File a complaint with the Illinois Attorney General.