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By Contributing Author: Sergei Lemberg Updated on

Is M G Credit Inc. Calling You?*

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Is M G Credit Inc. calling you?* Here’s what you need to know.

When your financial obligations go into arrears and debt collectors start calling, it’s incredibly stressful. They get paid when you pay up, so their collection methods can be rude, pushy and persistent. If this happens to you, remember that the law dictates exactly how far collection agencies are permitted to go when collecting your money.

Your Rights Under the FDCPA

A consumer protection law called the Fair Debt Collection Practices Act, or FDCPA, regulates what third party debt collectors may say and do while trying to collect a debt. Activities like those below are illegal and can lead to an agency’s license revocation.

M G Credit Inc Calls

Alleged Violations against M G Credit Inc.*

M G Credit Inc. is a debt collection agency located in Jacksonville, Florida. It was founded in 1987, has approximately 10 to 19 employees, and is managed by its President, Marguerite Gilliam. Records archived at the PACER (Public Access to Court Electronic Records) website confirm that M G Credit Inc. has been accused of collection practices that violate the FDCPA.

Sabrina Kilby vs. M G Credit Inc. d/b/a M G Credit

According to PACER, on or about October 1, 2012 Wisconsin resident Sabrina Kilby received a collection letter from M G Credit Inc. for $11,325.63 debt arising from a charges imposed by her former landlord. She contacted the company and spoke with an employee who identified himself as “Bill Cross”. He told her that she would be provided with a copy of the charges. Nearly two weeks later, she received an account statement confirming that the amount of the actual debt was $7,550.42. Believing that M G Credit had added $3,775.21 to the amount of the original debt, Ms. Kilby hired a consumer attorney and sued the agency for allegedly violating the FDCPA in the following ways:

  • Using false and misleading means to collect a debt
  • Trying to collect an amount not supported by law or the original creditor agreement

The matter was later resolved.

Hire an Attorney

The phone numbers for M G Credit Inc. are:

If either of these numbers appear on your caller ID, it means that a debt collector is trying to contact you. If they attempt to collect an amount that far exceeds the original debt, hire an attorney. You could potentially receive $1,000 per FDCPA violation as well as attorney’s fees, court costs, and any actual damages, so M G Credit’s attempt to enrich itself at your expense could turn out to be a costly error on the agency’s part.

*Case taken from PACER ( File number is 4:13-cv-00024-RH-CAS from United States District Court for the Northern District of Florida.

Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against M G Credit Inc or any other third-party collection agency, you may not be entitled to any compensation.

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