When debt collectors overstep legal boundaries, you don’t have to face the pressure alone. The Consumer Law Firm Centre is here to protect your rights and hold aggressive debt collection agencies like the Merchants Association Collection Division (MACD) accountable. If MACD is calling you repeatedly, threatening legal action, contacting your employer, or speaking to your family about your debts, you may be the victim of illegal debt collection practices.
Who Is Merchants Association Collection Division?
Merchants Association Collection Division, also known as MACD, is a third-party debt collection agency based in Tampa, Florida. They have been in business for over 60 years and operate under various names such as Sherloq Financial and MAF Collection Services. MACD specializes in recovering unpaid debts, including medical bills and other consumer accounts, and is known to engage in credit reporting, skip tracing, and customized account management services.
While collecting on unpaid debts is legal, how they do it matters—and this is where problems often begin. Consumers have reported multiple instances of harassment and unfair tactics, such as making repeated calls, sharing debt details with third parties, or making threats that violate federal law.
Is MACD Harassing You?
If MACD contacts you frequently, uses abusive language, threatens to garnish wages, or calls you outside legal hours (before 8 a.m. or after 9 p.m.), these actions may constitute harassment under the Fair Debt Collection Practices Act (FDCPA). Some of the known numbers MACD uses include:
800-749-7710
813-273-7606
These and other unknown numbers may be used in repeated calls that disrupt your daily life and mental well-being. But you’re not powerless—Consumer Law Firm Centre is ready to help you fight back.
What Are Your Legal Rights?
Under the FDCPA, you are legally protected from abusive and harassing debt collection tactics. MACD must:
Provide a written debt validation notice upon your request
Cease all collection activity until the debt is validated
Avoid calling your workplace or discussing your debt with others
Avoid making false threats of legal action or misrepresenting the amount you owe
If any of these rules are violated, you may be entitled to up to $1,000 in statutory damages, along with coverage for your attorney’s fees. The Consumer Law Firm Centre can help you file a formal complaint and take legal action if necessary.
Taking Action Against MACD
If you are receiving phone calls from MACD—even if you think they are about a legitimate debt—you have the right to challenge and dispute it. Many people unknowingly accept false or incorrect debts. By contacting the Consumer Law Firm Centre, you can:
Demand written proof of the debt
Dispute inaccurate or fraudulent debt claims
Stop the collection calls legally
Get assistance in negotiating or resolving valid debts
And if MACD has already taken action like filing a lawsuit, it’s crucial to respond immediately. Ignoring court notices can lead to a default judgment against you, resulting in wage garnishment or bank levies. Let our legal team guide you through the response process and ensure your rights are upheld.
Is MACD a Scam?
Although MACD is a legitimate business with decades in the industry, complaints and investigations have raised concerns about how it operates. The Better Business Bureau (BBB) lists multiple complaints involving aggressive tactics and improper information handling. Some consumers reported being pursued for debts that didn’t belong to them or receiving threats without any prior debt verification.
So, while MACD itself is not a scam, the way it attempts to collect debts can be illegal—and that’s where legal help becomes essential.
How Consumer Law Firm Centre Can Help
At Consumer Law Firm Centre, our team is experienced in dealing with harassment cases involving major collection agencies like MACD. We will assess your case, guide you on how to respond to phone calls and letters, and represent you in disputes or legal proceedings. Our goal is to:
Stop the harassment immediately
Recover statutory damages for you
Ensure your credit report reflects accurate and fair information
Negotiate or settle debts fairly if you choose to resolve them
We believe that no one should live under the constant pressure of debt collection harassment, and we are committed to enforcing your consumer rights.
Final Thoughts: Take Back Control Today
If MACD’s calls are disrupting your life, you don’t have to suffer in silence. Consumer Law Firm Centre provides the support, legal knowledge, and aggressive advocacy you need to stand up to unlawful debt collection tactics. Whether you're being harassed, wrongly pursued for a debt, or facing damage to your credit report, you have rights—and we’re here to protect them.
Don’t wait. Contact Consumer Law Firm Centre today and stop the harassment for good.
