[4u.bryan]

Hi Melissa,

I appreciate the way you dealt with them without losing your nerve. That is how we should handle this kind of situations.

Thanks for sharing your story.
Bryan

There are people who are nice and will work with you. Please remember this is their job. Show concern and respect and it would be a hope that that is returned. Every one deserves a second chance.

I think that constantly talking about these folks is scaring people. The reality is that some folks had a bad experience, some had a fine experience. It is like that in all walks of life. I paid my debt. I'm letting it go, learning from it, and not obsessing about it. I was treated fine by this company. I acted respectfully and intelligently, I was treated relativley the same way. I hope that the outcome is one that is fair to all, the consumers and the agency. Please remember the point is to pay your debt and do it as quickly as you can. I will excuse myself from these forums in the future and say I have learned alot of lessons.

[Teleport]

Some folks were fine because they stood their ground. The actual training process of these people were to actually make threats of arrest.

I wish I would have had a good experience dealing with these folks the first time they contacted me....but they threatened, bullied, and generally abused me verbally until I sent them the money they demanded....I WAS scared and uninformed as to my rights. Because I did take out payday loans, and then had problems with repayment, I almost felt like I deserved this illegal treatment, sort of like a penance, I guess (should get a shrink, I think!). However, this forum has given me the knowledge, strength, and advice to deal with them in a much more constructive manner. It has also made me aware that I am NOT deserving of harrassment just because I have debted. None of us are perfect, this happens to be my character flaw. ANYWAY....sorry to bend your ear, just needed to vent. Ellis Crosby still is stinky, but I don't have to let them get to me, and because of this forum, I know that....thanks! Blessings, Melissa

Just trying to say there are two sides to each story and each desrves to be heard. Each of us desrves the right to our opinion. It is very good to be informed and hopefully we will all learn something valuable in the end.Best of luck to all of you. Both consumer and agent.

[Rhonda28]

I think we here agree guest, that both sides need to be heard. But we are not classifying every CA as ignorant or harassing. It just seems that we are being classified AS dead beats! No matter how it is looked at. Which is not the case. But there is actually a third side to the story-- the truth!!!!

[Teleport]

cmturner007@sbcglobal.net

Yes there is a class action suit pending against them.

You can view some of the documents here:

myfloridalegal.com/webfiles.nsf/WF/JFAO-6FKGTU/$file/Ellis_Crosby_Complaint.pdf

you will need adobe reader to view the documents.

I received a call from Shannon Moore. She said I had 2 hrs. (till noon) to pay or first thing monday morning I would have files chard against me. She said they were a litigation office not a collection agency. Help!!!

Freaking out,
They pretty much did the same thing to my mother. In fact they are a collection agency; however due to the pending litigation against them they were stripped of their collection rights. Shannon is careful to not identify her agency as a collection agency, that would worsen the case against them.

Call the Florida's hotline, leave a message and wait for the attorney general's office to return your call. Tell them everything you know, give specific details. The more detail you have the better the case against them.

Ellis crossed the line when they threaten to arrest people. There practices have been unlawful and this is way they are under investigation by the state of Florida (where they operate out of). Do not pay them anything at this point. When the case is turned over to a legitimate collection agency, then offer to set up payments with them to pay your debt off. If you pay Ellis, they will not give you a receipt telling you that your debt is paid and could potentially sell your debt to another collection agency who will then start hounding you to pay your debt (which you have already paid 1 with Ellis, but have no records to prove such). Ellis will probably just say all they collected from you is interest & service fees not the original debt.

Tell them to stop calling you at home & work, request them to only contact you by mail. Make sure they have your mailing address and ask them to mail you a debt validation letter. Stay strong when you speak with them. Don't let your emotions take control and treat them with respect as you would want to be treated. Shannon Moore spoke to be very politely and I got allot of information from her that I was able to turn over to the attorney general's office. Her actions/threats are just that. Inform her to do her job, if she needs to file paperwork against you then so be it (legally all she can do is to report it on your credit report, she can't have you arrested for anything). You, on the other hand must report it to an agency. Preferably the attorney general's office, the BBB, etc. Let those agencies assist you in resolving the situation. Remember you still owe the debt, this doesn't excuse it, but until it is being handled by a legitimate collection agency...don't pay anything to them. Hope this helps you out. I got a friend of mine give me some advice prior to calling Shannon on my mother's behalf. I knew what I thought was legal, per the law, just wanted someone else's opinion of what was legal & not from someone who knew the laws.

This is an excellent site to get advice. The moderators are very knowledgeable regarding the law as well.

[annmarie0205]

I read all the posts, but I still don't feel reassured..

[Lindsey]

That's how they want you to feel, annmarie...I know it's kind of freaky...like invasion of privacy or one's personal "bubble"--but sadly, it's the new form of crime.
I believe they are about to be involved in a lawsuit...:-) Hopefully they get creamed!

It is horrible...all I want to do is pay the debt off..I don't want to be threatened or pushed into a unreasonable amount in one shot...I have already paid $400. But they don't want to do arrangements on the rest.

hey your free to call at any time 904-612-4553

thats funny. maybe we should have a confrence with ted crosby lol

we want justice and FAIR COLLECTIONS!!!!