No one should pay anything to Certified Recovery Systems. It's uncertain if they really are a collector for the companies they claim they are. I have just gone through filing complaints with the FTC, Attorney General, etc. on them. They violate Fair Debt Collection practices by calling family members even though they can reach you. They call you at work when you have told them not to,and I have a recording on my work voice mail threatening me. They call family members minutes after they talk to you even though they are only allowed to make a call to them -- generally only once -- if they are unable to locate you. They will call sick or aged family members even though you have told them not to. They threaten to call your boss and tell the person about your debt even though they have no judgment or right to garnish wages. They tell you that you can only
pay off debts via a single method -- be it post-dated check, money gram, or whatever suits their fancy at the time. If you disagree with them or say you will report them, they hang up on you. They have listed at least three addresses in the Houston area in the past year and will not accept mail at any of them and they don't give you any address where you can send mail. You should send a certified letter requesting validation of the debt. Go to creditinfocenter.com if you want to learn how to do this. When your mail is returned to you as unaccepted, then you file a complaint with the credit reporting bureaus indicating that they not only are not reachable at addresses given but they have refused to offer validation of the debt. The credit bureau has to then follow through with your complaint -- let them see if they can get validation of the debt. This collection company is filled with bottom feeders and is not legitimate as far as I am concerned.
Link made inactive as per forum rules - Vikas