I received a phone call from Mercantile Adjustment Bureau Utilities division (clever disguise). they claim I owe a company that I had business with 10+ years ago. This business is now, out of business. I never owe them any back pay. This is what I discovery. This Mercantile Adjustment Bureau, BUYS, former client names and tries to collect on business deals that were never in collections to begin with. This company has overseas collections and have none English speaking people, doing their dirty work and paying them NOTHING for doing it. This company is a sham!! read full review »