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Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By Merchants Credit Corporation?*

Stop the

You have legal rights. We can help.


If you have fallen behind on your credit card, student loan, and medical debt payments because you lost your job, your creditors may eventually assign these accounts to a debt collector. If the collection agency behaves in an aggressive and disrespectful manner, understand that you have rights prohibiting such mistreatment.

Your Rights Under the FDCPA

In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA, to prevent third-party debt collectors from harassing people to the point of bankruptcy. Today, you have the right to tell a debt collector to stop calling you and pursue compensation if they use collection tactics like those below on you.

  • Calling you at all hours of the day and night
  • Failing to notify the credit bureaus that you dispute a debt
  • Demanding amounts that are not supported by law or the original creditor agreement
  • Cursing you out over the phone
  • Threatening consequences they have no intention of carrying out
  • Calling and sending you letters directly when they know you have an attorney

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Company Profile: Merchants Credit Corporation

If you are being called by Merchants Credit Corporation, the following information will give you an idea of who you’re dealing with.

Merchants Credit Corporation is a debt collection agency in Seattle, Washington. It opened for business in 2010, has 81 people on staff and is managed by its President, David Quigley. According to the company website, it is a member of ACA International and the Washington Collectors Association.

Records at the PACER website confirm that consumers who felt that they were being harassed by Merchants Credit Corporation responded with lawsuits.

Are You Being Called By Merchants Credit Corporation?*

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Alleged Violations against Merchants Credit Corporation

According to PACER, on or around March 24, 2015, Merchants Credit Corporation called a Washington consumer to collect a medical debt. She alleged that the collector left a voicemail message but failed to disclose the company’s name, failed to the nature of the call, and that the call was from a debt collector.

Feeling harassed by Merchants Credit Corporation, the consumer sued the company for allegedly:

  • Failing to identify itself as a debt collector in the voicemail
  • Using false, deceptive, and misleading means to collect a debt

The matter was later resolved.

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Hire a Consumer Lawyer

The phone numbers for this collection agency are:

If you see it on your caller ID when the phone rings, it means that you are being called by Merchants Credit Corporation. If they leave you voice messages that don’t identify them as debt collectors, act on your rights by hiring a consumer lawyer and filing a claim against Merchants Credit Corporation.

Debt collectors are supposed to operate in accordance with the FDCPA, and if they don’t, they could be ordered to compensate their victims accordingly.

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Additional Resources

Case taken from PACER ( File number is Case 2:15-cv-00921-JLR from the United States District Court for the Western District of Washington, Tacoma Division.

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

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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