she called my cell and asked abt my add and i told her that she needs to say it so that i can confirm it.She said it doesn't work that way and your credit will be hurt for 6 years and hanged up on me.But when i googled it it seems there is a company.

Kept calling my number asking for someone else, I've told them many many times not to call my number again. Now seeking a lawyer for harassment

I've been injured several times in my life and unable to eat because of it. I get hounded by these scum who will not work at a productive job but would rather threaten and intimidate less fortunate people.If a company is so greedy it wants to bolster sales and give commissions by easy credit...eat your losses.You always take the word of the merchant even when no judge would rule in your favour as when the facts came out you would be shamed. (or SHOULD BE).If you enjoy pulling wings off flies at your age, get some help.I have never paid one cent to you slime and will DIE that way.

MCA is not a scam.  It is a collection agency.  You owe money! Do not ignore the calls!!!!!!! Also, it is not against the law to call more than 3 times a week unless msgs are left!!!!

they keep calling asking for cell phone bill but I never deal with the company they ask and they want some name I don't know please live me and my family alone and the number 1-(905) 819-8939

You damn idiots. MCA is not a scam. The President of MCA is Brian Summerfelt. Don't believe me? He's got a profile on Linkedin, corporationwiki, zoominfo,and to top it off has been in businessedge.com articles.

Yes it is illegal for them to call more than 3 times in one day as well they cannot call before 8:00 in the morning and not at all on a Sunday or holiday. If they call repeatedly more than 3 times it is bordering harassment and you can report them.

Awww another low life making a living by threatening people. Did you drop out of high school  and couldn't find another job than that? Have you try garbage man? Might be a good fit for you as both of you stink. I have fun with guys like you, I don't fall for any threat, I probably know more about the collection act and status of limitation than you do. I just laugh when a moron like you call me. I don't give a crap about my credit as it's already screwed. I will never pay a collection agency, never, ever and there is [***] you can do about that.  That is the thruth, and by the way MCA buy debt as the last letter I received clearly stated on it that they did buy it from another collection agency that couldnt get a penny out of me. The fact and matter is, you can't do [***] if we decide not to pay you !