just voicing another point of veiw guest. is this site just for one point of veiw so why the hostility?
you see i too happen to be a big fan of p.r.(personel responsibility)

[Teleport]

It's not just for people wondering about creditors and collection agencies, but to learn what to do, learn from mistakes, be aware of potential companies out there to do harm...etc

I would say voice it somewhere else. You don't know the reasons why the loan was taken, maybe it was for responsibility for your sick child and you didn't have money for their medicine so you went to the last place you ever wanted to go.....

Maybe you should go join Ellis

I think people understand that Mikeyindetroit... but Candy doesn't need to voice an opinion like that when she has no idea about circumstances of guest

[Teleport]

Candy

Guest is just trying to say mistakes happen. And in some cases not
always their fault. As I mentioned the payday loan companies challenge
the borrower by attempting to take back their funds at super early
morning hours.

And seeing how the loan wasn't paid back it went to Ted Ellis Crosby &
Associates. This collection agency/law firm is practicing unethical
behavior and collection tactics by threatening to put people in jail.

The responsibility was already declared when Guest said:

(I went through FSM, and they won't work with me at all so you
tell me who I should pay?)

I think we should cut guest some slack when they said they weren't happy with the way FSM conducted their business.

you see i work in finance and guess who suffers when people like some of you default on loans? taxpayers & consumers have to deal with high intrest rates. expecially if my credit score is low.

Candy You make a good point. But please remember circumstances are different for everyone. Folks need to be responsible for themselves and don't take these loans unless you know you can pay them back.

[Teleport]

When people who have low credit scores default, they get offered credit cards with high interest rates. They'll probably also have to pay a large down payment on an a lease for a car or an apartment.

When people who have superb credit keep doing what they are doing, then they get a lower interest rate credit card, zero down on a car, offers such as 90 days same cash...

Originally Posted by Candy

AND GUESS WHO SUFFERS WHEN PEOPLE LIKE SOME OF YOU DEFAULT ON LOANS?

It is all based on the individual. How someone acts with their credit score has no affect on you whatsoever.

If your credit score is low, perhaps this forum can help you bring it up. We're all here to help each other.

Is there a class-action lawsuit against these people?

[Rhonda28]

Mikey-- once again you brought up a valid point. Noone else's score can affect your credit in anyway.

Candy O, learn how to spell. I as well work in the finance industry.

Ellis and these payday loan people don't always operate within the legal limits of law. I have documention of a loan that was paid in full per the terms & conditions of the loan; however, this company turned over my mother's account to a third party collection agency when she closed her account.

Sure you think you are above it, when's the last time you spoke to your parents? How much do they know about on-line loans? How about your brother or sister? Let these people speak without your 2 cents, prejudicial assumptions about people. If you have something to say, great say it, but don't judge others.

Thanks Ann could not have said it better myself, Candy and these people that come on here all righteous have no idea of the circumstances, and like you said, they are a step away of having it happen to them or their families.....

Let's all remember the reason why we are here, to help each other with our debt problems and get answers to questions so that we can work through them. Ellis Crosby & Associates is the REAL problem here. Granted, they would not have even contacted us had we not defaulted on some kind of a loan, however, instead of attempting to collect the debt in a honest and truthful manner, they choose to humiliate, lie, itimidate and harrass people. That is just uncalled for not to mention ILLEGAL.

They called me saying that the inofmration was going to be downloaded to the state and I will picked up at my place of employment. I called a lawyer friend of mine, he said he will call them.

All of you have had problems with them

[tippy1959]

So, it's Friday and I am sitting at my desk minding my own business, when I get a call from our favorite collection agency Ellis Crosby & Associates! Spoke with Amber Williams, who informed me that they were ready to download court papers to my county to have me served with warrants concerning bad check and "conversion" charges. She said the company name was "Cash Options," who I swear I have never heard of, and I told her so. I told her I would call her right back on my cell phone so I could speak freely....and called Summer Saladino at the FL Attorney General's office for advice, since I have already filed an affidavit regarding 2 other contacts I have had with this company. She said to mention to them that I was in contact with her concerning their company. So, I called Ms. Williams back and after she spoke her piece, I told her that I would require written validation of this debt before I could discuss any repayment arrangements with her, and of course she got all snotty and how we could just keep this simple, blah blah, but I stood my ground :lol: I just kept my cool and kept informing her of my rights under fdcpa and she kept talking and saying nothing of substance, and finally she gave up and said she would transfer me to their "legal" department, and I said that would be great, thanks, in my most cheerful voice! :twisted: Got transferred to Robert Wood, who was much more reasonable....after I told him I was familiar with my rights under FDCPA and my contact with Summer, he said he will ensure that I receive written validation and I said I would call them back after I receive it. Further, since I am being told I owe $515, and of course do not have it right now, I asked if they would be willing to work out a payment arrangement if indeed this is a legitimate debt, and he said sure! SO....thanks, Summer, for the advice, and thank you to all for listening and advising...when I think back to how shaken up I was when they first contacted me in April, to how confidently I was able to deal with them today, I am humbled and grateful for you all and for this website. Blessings, Melissa

Tippy- THAT is SOOO great that you are having some kind of luck with them!
GOOD LUCK And thats comming from the consumer side not EandC