Skip to content
Debt Collection
Free Legal Help

Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By Merchants Credit Guide Company?*

Stop the

You have legal rights. We can help.


Debt collectors can be intense and unnervingly persistent when it comes to getting your money. They will call you on a daily basis and threaten to garnish your wages or destroy your credit if you don’t pay. When this happens, don’t let yourself be bullied.

You have rights that debt collectors violate at their own professional risk.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, regulates what third party debt collectors may say and do while trying to collect a consumer debt. Bullying and intimidation are strictly prohibited. Other illegal collection tactics include:

  • Swearing and calling you names
  • Claiming that you have committed a crime and threatening to call the police on you if you don’t pay
  • Failing or refusing to identify themselves as debt collectors in every communication
  • Calling you several times per day using an autodialer
  • Pretending to be members of law enforcement
  • Telling uninvolved third parties like your friends and co-workers that you owe money

Need Help With Merchants Credit Guide Company?

Call for a Free Case Evaluation Now!

Company Profile: Merchants Credit Guide Company

If you are being called by Merchants Credit Guide Company, information about the company is below.

Merchants Credit Guide Company is a debt collection agency located in Chicago, Illinois. It was established in 1958, has approximately 65 employees, and is managed by its CEO, Daniel F. Burtis.

Records archived at the PACER (Public Access to Court Electronic Records) website reveal that many consumers who believed they were being harassed by Merchants Credit Guide Company sued the company to reassert their rights.

Rockford Mercantile Agency

Need Help With Merchants Credit Guide Company?

Call for a Free Case Evaluation Now!

Alleged Violations against Merchants Credit Guide Company

Rogelio Barnes vs. Merchants Credit Guide Company*

According to PACER, on November 6, 2015, Merchants Credit Guide Company sent Christine Barnes, wife of Illinois resident Rogelio Barnes, a collection letter for medical services Mr. Barnes had received. This letter was allegedly followed up by a phone call to Mr. Barnes directly on January 19, 2016.

The caller allegedly told him that if he did not pay immediately, the debt would appear on his credit report. When he inquired whether the debt was not already on his credit report, the caller allegedly stated that he had “dodged a bullet” because it had not yet been reported.

On January 19-20, 2016, Mr. Barnes obtained his credit reports. He observed that Merchants Credit Guide Company had pulled his Experian report on December 23, 2015 and January 13, 2016, resulting in inquiries, and had created “tradelines” on his Experian and Equifax credit reports, so the alleged representation that the debt had not yet been reported was false.

Feeling harassed by Merchants Credit Guide Company, Mr. Barnes hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

  • Using false, deceptive and misleading means to collect a debt
  • Failing to send a debt validation letter after the first communication

The matter was later resolved.

Need Help With Merchants Credit Guide Company?

Call for a Free Case Evaluation Now!

Hire an Attorney

The phone numbers for this collection agency are:

If either number appears on your caller ID when the phone rings, it means that you are being called by Merchants Credit Guide Company. If they use deceptive and misleading means to get you to pay the debt, hire a consumer attorney.

If you file a claim against Merchants Credit Guide Company with your attorney’s assistance and win, you could potentially be awarded $1,000 per violation as well as attorney’s fees, court costs, and any actual damages. When debt collectors ignore your rights, the law gives you the ability to send them a stern reminder.

*Case taken from PACER ( File number is Case: 1:16-cv-02901 from the United States District Court for the Northern District of Illinois, Eastern 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 Guide Company, 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
Be the first to comment

Leave a Comment

Write a comment below to share your experience. Or, instead you can send a secure message to our legal team.
Email & phone number are required to block spam, but will not be published.

Briefly describe your experience

Briefly describe your experience

What’s your name?

What’s your name?

What’s your email address?

Please enter a valid email address.

What’s your phone number?

Please enter a valid phone number.

Want to know if you could sue? Get a free legal evaluation.

Free Case Evaluation

    1. Please fill out your contact information:

    2. Has a debt collection done any of the following:

    By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.