(888) 878-9345

M&E Associates

BBB Rating = F (Lowest possible score)

http://los-angeles.bbb.org/Business-Report/M-and-E-Associates-100096431

M & E Associates is a small debt collection company known for engaging in unethical debt collection practices. If this company has contacted you or someone you know, or your place of business, and threatened you with legal action, told a third party that you owe a debt, or threatened to send law enforcement to serve or arrest you, they have violated your consumer rights, Sadly, companies like M & E Associates flout the law because most consumers are not aware of their rights. Learn more about your rights here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm.

If you feel that your rights have been violated by M & E Associates you are strongly encouraged to file complaint with the following three agencies:

You have a right to file complaint with the Better Business Bureau.

http://www.la.bbb.org/Business-Report/M-and-E-Associates-100096431

You have a right to file complaint with the FTC under the Fair Debt Collection Practices Act.

https://www.ftccomplaintassistant.gov

Finally, you have a right to file complaint with your state attorney general's office.

http://www.consumerfraudreporting.org/stateattorneygenerallist.php

so, i got this call..lol. made me laugh at first. the guy said that i was going to be served with some time of documents..if i wanted to get the docs rerouted id have to call this toll free. so i called, they verified the last four of my social.. they went on to say that i owed some debt that had been sitting for years..so anyway..after running my credit report i didnt see it. i called experian and they said that its up to the agency that owns the debt to report it, and that if they dont report it than it wont show...ugh. so upon further investigation through the citibank charge-off department i found out that the card was a student card that was in fact issued to me through citibank and had been sold years ago. so...i started to look up civil matters that may have been linked somehow to m & e associates.. i cant believe that i acually found some civil judgements that were filed on behalf of m & e... after reading some of the posts on here and some of the posts that ive found on other sites i was really scepticle to give any type of payment.. with in a couple days i called back to m & e to see if i could get some type of letter or something, i was totally expecting that they would shy away from that..being that if they did..then that would make then liable..but to my surprise they sent me what they called a "validation letter". it had all the card info, including the card number, date it was opened..uhh...what the balance owed was and alot more.. didnt seem like there was a whole lot that the letter was missing. so, (and believe me i wasnt happy about it) i agreed to pay the settlement amount that they offered. since then ive recieved a valid payed in full letter and all is good. after seeing the dateline video on youtube that you were talking about elizabeth, i was freaked out. but after doing my research i found out that it was mine... not trying to sway anyones opinion of these guys..just trying to tell my story. IF A LAW OFFICE OR COLLECTION OFFICE CALLS YOU, DO YOUR RESEARCH!!!!!!!

I had a decidedly different experience. . .I owed on a debt I had from 3 years ago that I just let go. Some process service agency called me and said they were about to serve me. Having done nothing legally wrong, I was of course curious and concerned; I called the 888-878-9345 number I was given. Since I was going to be at work when they were scheduled to serve me, I figured that rescheduling the service was in my best interest. The people I spoke to at M & E were highly helpful. They explained my situation to me and asked if I was comfortable confronting this matter in court. Honestly, having never had dealt with such a situation, I chose not to. The legal agent spoke with his higher ups and negotiated a settlement with me. The company e-mailed me a settlement letter with the promise that upon my payment my credit report will reflect that the matter has been paid in full. I got the letter and found it to be legit - they also provided me with the Citibank charge-off phone number to verify that I did owe this money. Overall they were very courteous and professional and handled the matter to my satisfaction. Not to mention that they saved me a few hundred dollars off my total balance.

I RECIEVED A CALL FROM THIS NUMBER STATING THEY WERE LOOKING TO SERVE ME WITH DOCUMENTS. I CALLED BACK WORRIED TO SEE WHAT WAS GOING ON. THANKFULLY IT WASNT SOMETHING I WOULD GO TO JAIL FOR BUT I WAS IN THE PROCESS OF BEING SUED. I TOOK ALL INFORMATION THEYRE REP GAVE ME AND DECIDED TO INVESTIGATE IT MYSELF. AFTER SEARCHING I FOUND OUT IT WAS AN OLD CREDIT CARD I HADNT TAKEN CARE OF AFTER MY DIVORCE. M&E OFFERD TO SETTLE BEFORE ANYTHING LEGAL FOLLOWED. I PAID MY DEBT AND THEY SENT ME A SETTLEMNT LETTER FOR MY RECORDS AS THEY PROMISED. I KEPT CHECKING MY CREDIT REPORT TO VERIFY IT WAS HANDLED AND IT DID SHOW MY ACCOUNT AS SETTLED. I WAS INTIMIDATED AT FIRST BUT THEY DID ACTUALLY DO WHAT THEY SAID THEY WOULD.