MRS Associates Keeps Trying to Collect a Debt Discharged in Bankruptcy. – Katie

“Dear Steve,

I filed chapter 7 bankruptcy in 2012. On my credit report, the debt that is under MRS Associates states that it was discharged through bankruptcy. But I am still receiving letters in the mail from MRS trying to offer me a settlement amount for me to pay.

Is it legal for MRS to still be sending me these letters? Or can they still take legal action against me to collect, even though my credit report shows that this debt was already discharged? What do you suggest I do?

Thanks so much,

Fight Back - Red Button

Dear Katie,

If you wanted to take care of this with hopefully one shot I would send MRS Associates a copy of your bankruptcy filing showing the debt included. Send the letter by certified return receipt requested and staple the proof of delivery to your copy of the letter. Put the letter in a safe place.

This will typically take care of the matter.

If they continue to try and collect after they have been notified you might then have grounds for some action against them. But I’d try this first.

Please post your responses and follow-up messages to me on this in the comments section below.


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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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