ELLIS CROSBY WAS ON THE LOCAL NEWS HERES THE SIGHT
fox30online.com/news/local/story.aspx?content_id=39E206DA-B00E-4721-A6D0-371DDDA28228

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I received the same type of calls at my job, and was told that they were a law office and they were just contacting me to let me know that I was having papers filed against me at 2:30pm, and I owed $515. I never heard from the company and didn't have a number to contact them, only through fax. Then I received this call. I looked them up on the BBB website and they have unsatisfactory rating, they are not BBB member. And they have a lot of complaints against them for , Harsh and abusive collection pratices including the imperonation of law enforcement or court officials, the threat of immediate arrest and failure to provide written documents concerning debts when requested.

Ellis Crosby's office called me threating to send my case to the local court system if I did not pay them by 12. They also told me that i would be charged with a felony because i had received the money and when they tryed to collect all the funds were not there. I borrowed the money and paid them including an extra $200 added to the balance. Should I have paid them? They said that they made several attempts to contact me at home and at work including sending 2 certified letters which i never received. I'm not sure I did the right thing in paying them so much. What do u think?

Did they tell you they sent you the certifieds?
Because i work at a LAW OFFICE and if they sent it to you then FOR SURE you will get it!
They are so full of it!
Dont pay they will pocket the money, wait until the case is settled

they told me that they sent me 2 certified letters and that they were returned to them. i already paid them because i didnt want a felony on my record. i guess i should of come to this site before believeing all that they told me

Tell them to fax it to you, or better yet just tell them to screw it!
Check my complaint out on myfloridalegal.com
go to the bottom of the paper and click there im number 31!
These people MUST BE STUPID!

You know im thinking of calling and seeing how they treat me! LOL
Maybe i can make another complaint!

check out page 24 of the legal procedings that went to the court! it says we might get our money back!
might take a year ! hopefully they wont fight it and just pay up

[Michele]

Katie,
How do you see your complaint?

Go to myfloridalegal.com, and type in Ellis Crosby and Associates and click the second link, at the bottom of that page it has an ADOBE FILE that is the legal papers. Its after page 8 or so...

While I don't agree with everything these collection companies do, I really don't agree with the fact anyone should get their money back. Just to clarify this:

You took out a loan after reading the TERMS and CONDITONS. You completed the application and any related paperwork which legally binds you to the contract. You didn't abide by the TERMS and CONDITIONS of the contract and DEFAULTED on the loan. You were assessed penalties and fees which are stated in the contract which you agreed to. You paid what you were LEGALLY obligated to pay since YOU defaulted on the loan. You now want your money back.

Yes, that makes perfect sense to me. Had you PAID the load back or never taken the load out in the first place, you wouldn't even be here talking about this. If you were unaware of what TERMS and CONDITIONS the contract clearly laid out, then maybe you should have taken the time to read it better since ignorance is no excuse.

It amazes me how many people accuse these companies of criminal action but how many of the accusers commit criminal actions themselves. Some people that post here have admitted to defaulting on several loans, almost like they are habitual offenders. Some people are in the situation because when they took out the loan, it was electronically deposited in their checking account, but the debtor CLOSED the checking account shortly after. While I can not quote it word for word, if you read the TERMS and CONDITIONS of the loan, you must maintain your checking account. This is basically writing a bad check. So before the pot calls the kettle black, think about what you have done.

While yes, there ARE collectors who cross the line of being legal, it's amazing how many debtors strech the truth or just don't listen. For example:

Collector says: Does your employer know that you used your computer during business hours to obtain this loan and then defaulted on it?

The debtor then tells everyone that a collector called threatening to tell my employer.

"Legally processed" doesn't equate to "We are having you arrested"

"Investigator" doesn't equate to "Law enforcement", "Police", etc.

The list could go on and on... My point is too many people aren't taking personal responsibility for their OWN actions. Just because you haven't properly read a contract OR you don't understand EXACTLY what someone is telling you, it doesn't make someone else wrong. Collection companies are doing a job. A job that has the terms and conditons that are negotiated with the LOAN company. A job that we wouldn't even be discussing had YOU not defaulted on the loan. So your frustation and anger in MANY cases is misdirected. It should be directed at yourself and the loan companies.

Before anyone ASSUMES anything... No, I dont work for a collection agency, loan agency, any related industry, nor have I ever.

[theswims03]

I worked with these folks to repay a loan that I defaulted on due to bank error and they ended up being extremley courteous to me. I knew I had a debt and it needed to be repayed. I made arrangements to do so in a timley manner and they were helpful and did not have any problems diclosing the terms of this debt with me. It has taught me a lesson- that I will never take one of these loans out again, and that being proactive about repaying a debt makes the whole experience much easier. I appreciate all the information in these forums, and feel bad for those who have been treated in a less than professional manner. I just felt that I needed to mention that I did have a positive and professional exchange with this company.I am glad to have the whole experience over with. Best to all of you.

you crazy people have borrowed this money and have not returned a dime what do you expect the payday companies to do about money not being returned. they must to take messures to get it back. you all are thieves and you will be delt with. if not by the courts then by the Lord Jesus Christ. Because that my friend is what you call stealing. I pretty sure that I have spoken to some of you people on this site. But who cares if you will pay an attn to lie for you and to get you out of trouble. What do you people think these payday comp. will do hire someone to make you pay for stealing their money. all these closed acct. that you people have come on here. think like a real thief and go rob a bank in broad daylight and stop using this computer that is what got you stuck ecrosby any way. stay off the web.

I agree with guest. You need to repay these things according to the terms, and if you default, than take responsibility for it and pay it back. I did, and I can sleep at night. It was my mistake to default and I took responsibility for it. I don't think I deserve money I paid on a debt I owed and paid to be returned to me. It was paid to the people ho I oed it to and now we can both move on.

I never said i was not willing to pay back the money, but when they are using illegal tatics to do so, thats when they cross the line!
I will pay some place who is honest and willing to at least GIVE ME A CHANCE, and Ellis Crosby did not give me a chance.

No its not stealing if you are willing to pay it back.
But not to Ellis and Crosby, to someone i know will PAY MY DEBT and not POCKET my cash!

AND BTW, I DID PAY YOUR STUPID COMPANY!