Consumer complaint received 2017-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Complaint:
Dear Agency : I am in receipt of your attached offer, as mentioned above, however I do not understand how the charges listed were processed. I believe that your agency accepted debts that were potentially inaccurate, lacking documentation, or unenforceable. I would be more than happy to settle this matter if your agency send a true bill, verifying the debt. 

I conditionally accept your offer, as mentioned above, upon verifiable proof that your offer is not to, threaten and deceive consumer, to collect a debt that you know, or should have known, is inaccurate or can not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. 

I conditionally accept your offer, as mentioned above, upon verifiable proof that your offer is not an illegal and obnoxious debt collection practice. 

I conditionally accept your offer, as mentioned above, upon verifiable proof that your agency can file any lawsuit against consumer without having the intent to prove the debt. 

I conditionally accept your offer, as mentioned above, upon verifiable proof that your agencys practices does not violate the Fair Debt Collection Practices Act, the Dodd-Frank Wall Street Reform, and Consumer Protection Act. 

I conditionally accept your offer, as mentioned above, upon verifiable proof of balances, interest rates, and payment due dates. 

I conditionally accept your offer, as mentioned above, upon verifiable proof of accounting and transactions. 

I conditionally accept your offer, as mentioned above, upon verifiable proof that your agency conducted any investigation to determine whether the debt is accurate and enforceable. 

I conditionally accept your offer, as mentioned above, upon verifiable proof that the debt is owed and accurate. 

I conditionally accept your offer, as mentioned above, upon verifiable proof of legal documents to prove that you are legally authorized to collect. 

I conditionally accept your offer, as mentioned above, upon verifiable proof of a signed contract showing the terms about the debt. 

I conditionally accept your offer, as mentioned above, upon verifiable proof of WHO owns the debt/or has been assigned the debt. 

I conditionally accept your offer, as mentioned above, upon verifiable proof of a copy of a True Bill in Commerce. 

I conditionally accept your offer, as mentioned above, upon verifiable proof of a complete payment history, starting with the original creditor. 

I conditionally accept your offer, as mentioned above, upon verifiable proof of a Certified and True Copy of the original signed agreement or application. 

I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed. 

I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying. 

Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them. 

If your agency attempt to collect on debts by suing consumer in court, please take notice that the consumer will file this CONDITIONAL ACCEPTANCE UPON VERIFIABLE PROOF OF CLAIM.

Company response to consumer: Closed with explanation