Pay Day Loan

Hi chitown

Welcome to the forums. Though I am not sure as you have not mentioned it in your post, but I am assuming that these types of calls are done by Ellis Crosby for collecting the debts from the consumers.

If the person called you from the mentioned company, then you don't have to worry about it as their membership has been revoked. Besides that, they are involved in unfair practices like harassing the people repeatedly, scaring them with jail punishments etc. These types of activities are a violation of the fdcpa law and you need to apply your consumer rights for keeping your interests protected.

http://www.debtconsolidationcare.com/fdcpa.html

Inform them that they are required to stop all the communication with you except sending a debt validation letter which will include the details of the alleged debt amount.

If they continue with their illegal activities, you can record their telephonic conversation and present it to your lawyer. Your can also file a complaint against them at the FTC and the State Attorney General office and request them to take immediate action.

If you need further assistance in this matter, please do not hesitate in asking it in the forums. We will be able to guide you further in the right direction.

Regards
Roxette

Yesterday I received a call from the above company and they said that if I didn't pay what I owed on a previous payday loan then it would go to court and the cops would come to work and pick me up. They said that they only took cash from a money gram location, there was no way that I could pay by credit card. They even said that they could take my computer. I told them that I needed a couple of days. They said no, it's not a good thing. Can they really do this?

No they cannot do anything to you, BUT LIE..These people are sooooo making me mad. Next time record your conversation and when they call just tell them that you are AWARE that they are not allowed to collect any moneys, and hang up.

Ellis Crosby is crossing all the lines of business. c8and38nfrnt, don't get afraid as they are desperate to build in the fear in the minds of people. If they succeed in creating the fear in you, you might start paying them hurriedly.You should not do that.Right!!

They just can bark and never bite. So, use your consumer rights and lodge complaints at the FTC and DA's office.

Today when I got home from work I called this place and told them about the suspension and them not being able to collect. The lady I spoke with Ms. Marcinzowiez told me that I was 100% wrong. I asked for their physical address so I could send a letter and she wouldn't give it to me. I asked her who her supervisor was and she told me Ms. Bell. That's funny because yesterday when I spoke with Ms. Bell she told me that she was an assistant. She wanted to know why I was asking so many questions. Yesterday she told me that I had 2 outstanding payday loans and today she told me that I had 5. I asked who they were for. She told me that she told me yesterday and she wasn't going to waste her time telling me again. I asked for a supersvior but everyone was busy, no one was able to speak with me. I asked her if this company was a collection agency or an attorneys office, she told me both because upstairs were attorneys and I could talk to one if I wanted to. But wouldn't let me talk to a supervisor.

Does anyone know what the laws are for Indiana? I have definetly learned my lesson and will never take out a payday loan again. I want to start paying it back but I have no idea where to send any payments. I have read all of the posts but the threats that this company has made still weighs heavily in my mind.

Thanks for listening.

hI, I feel your anger. Please look at my postings today, 7/20 in debt consolidation care forum and debt consolidation and Settlement. We all need to get the police involved so that Ellis Crosby will hopefully have to change their threatening, lying, illegal tactics. If they don't follow the letter of the law, then they should be put out of business. But it's going to take people filing police reports like I did today. Well how are things for you now? MarinaDebbie

c8and38nfrnt, the debt collectors have to follow the basic legal rules as per the fdcpa acts. The laws are the same for collecting the debt all over the United States.

http://www.debtconsolidationcare.com/fdcpa.html

Moreover, as the membership of Ellis Crosby has been suspended, there is nothing much to worry from your side. Just be patient and keep filing complaints about their illegal activities to your nearest consumer bureaus or the FTC. We are likely to see some immediate action soon.

Also, you must have realized by now that payday loans maybe the easiest cash available in the market but the consequences of taking such loans are deadly. They keep multiplying with their interests each month and hence destroy the credit file completely. Try to keep yourself away from it as much as possible.

Hello fellow victims of Ellis, crosby & assoc. I'm so glad I found this forum. I too, received a call from this company, threatening to have me arrested today if I didn't pay. They also called my boss and are causing me trouble at work. I can't get a straight answer about the amt. of debt I owe on these cash loans (I borrowed about 200, they are saying 700+).
Also, I'm getting calls from other numbers in Jacksonville, FL. They say they're a different company called litigations of america (904-356-0927, 904-356-0886) collecting for a cash loan company. the funny thing is, it sounds like the same people!! same tactics and they all say "good luck" at the end of their phone messages! Has anyone heard of this company? I can't find a listing anywhere on the net. It may be the same people using a different name due to the suspension. I've already files a BB report on Ellis, but not enough info. to file on this other one. any info. would be helpful. they have caused me so much worry and embarrassment at work.

Hi All,

I had a payday loan with FSM Processing. I told them I am in the process of filing bankruptcy and asked if they would be willing to make a payment arrangment with me to pay it off as I'm going through financial hardship and that I acknowledge my debt with FSM. FSM said they don't do payment arrangements but will send my account to collections if they funds are not available. I put a stop payment on my checking account towards all withdrawals from FSM. They will NOT make payment arrangments with me to pay my loan off. (How horrible!) Now I just got a VM from Ellis, Crosby, and Associates from an Investigator Graham, saying that I need to call them back on an investigatory matter. No additional details were given. I'm so glad I did a search for them on the web. I gave their contact information and my Bankruptcy Lawyer is in the process of calling them. My question is, can they obligate me to pay them back a higher amount than what is actually owed?

I have received several phone calls from Ellis Crosby and Associates. The first day when I talked to them after being told I was being arrested I told her I realized she was just a collection agency and she said no she wasn't and hung up on me. Today another "investigator" called me and threatened to file charges against me if I didn't pay them before noon. I told her I knew they were nuder suspension and very quicky informed me that they were not that it would be illegal for her to contact me if she was and that they were not a collection agency they were a firm. When I asked her to validate the debt she told me she did not have to discuss the validity of my debt with me that I wnet on line and she had traced my ip address and I that I knew very well I owed this debt. The thing is...I don't think I do. I'm pretty sure it has been paid, even if it hasn't can they still collect money if the are suspended? And are they a collection agency. I have no problem paying it if I owe it and what I owe. But I can't see paying 1300-1400 for a $200 loan.

could you please email me, also with the information on where you received that article?

thank you so much.

[email made inactive as per forum rules.- Mike ]

Hi mdow315

Welcome to the forums. I appreciate that you are feeling the sense of responsibility towards your debt and want to clear it if it is left unpaid. But you are not required to pay the amount to anyone who is asking for it. Specially, you should not pay to someone who has been issued suspension and restricted from doing the business.

At this point of time, in order to know the latest standing of your debt account, I suggest you to pull your latest credit report from the three agencies and confirm the debt. If your debt is due, then your credit report will be showing the agency to whom you are required to pay.

Instead of falling prey to some illegal tactics of collection agencies, you can exercise your consumer rights and make wise decisions.

Regards
Roxette

I called them today to get my final balance for my bankruptcy attorney. They told me that they wouldnt give me any info and that my attorney needed to call them. When I told my attorney, he said that they cannot talk to them because it is against the law for anyone to discuss my account with a third party. I am filing Wednesday but I think my balance is more. What should I do? My attorney said that they can call him after the bankruptcy is filed, but not before.

Hi Mr Seed

Welcome to the forums. I wonder why your lawyer is not willing to communicate with the collection agency. Check if he is having a license, otherwise he may be subjected to additional sanction. If you reside in Virginia, you may wish to make an inquiry with the Virginia State Bar. Virginia State Bar deals with inquiries concerning a lawyer's conduct

Regards
Roxette

Hello,

I am new here, I received a call today from “Investigator” Ward letting me know that I had committed fraud. She proceeds to ask me if anyone from the police department had come to my place of employment to contact me. Of course at this point I am just shocked, and my heart is worried. She goes on telling me that my account number is XXXXX-F “F as in Felony”, as with most honest people hearing that word my heart sank even deeper. Ms Ward continued to let me know that they would be subpoenaing my work computer where I had applied for the payday loan. Now remember I am still just beside myself. I finally get to the point where I ask, “what am I needing to do to resolve this issue, to prevent these things from happening” She tells me that she has to go downstairs (yeah right) to the restitution department to get a proposal. I am now on hold. I sit there my thoughts going a hundred miles per hour in my head. She returns to the phone and tells me that she can offer restitution and that she is going to be transferring me to the restitution department.
I am now connected to Ms. Sanchez and she asks me how I will be making the payment, Western Union or Money Gram, I told her which ever one was cheaper. She then proceeded to tell me that she needs me to send today 8/3/04 a total amount of $725.00 by 4 pm (whose time I don't know), and then call back Ms. Ward with the confirmation number. I am now leaking tears, where am I going to come up with this kind of money? I told her that I do not have that kind of money and she said that I needed to call my family, friends or get the money from my employer. I can tell you this; it was defiantly not going to happen. The family that I have left does not have extra money lying around, and I don't even think that I can take draws off of my payroll. Now I am a borderline depressive, which means, that I do okay until my lively hood is put in jeopardy. I am sitting on the phone wondering about this $725.00 that I need to come up with in a matter of a couple hours, and the only solution that I see is driving to the bridge over the canyon and jumping off. They can not collect if I am gone. Before I hung up I realized that I am provided with a service at work, which is deducted through my payroll of an attorney. I told Ms. Sanchez that my attorney would be contacting her, and that she was to provide all of this information to him. I don't really think that she believes that I have an attorney, but she will soon discover. She also told me that her title is “White Glove Investigator”; I told her that it really didn't mean anything to me.
I did call back at the request of my Attorney and request specific information on the claim. I inquired who the claim was with, a contact number, and the City & State that the original debt was from. Ms Ward & Ms Sanchez both refused this information. I don't think that I have ever heard of a collection agency refusing this information.
I know that this is rather long, but here is my question; If Ellis, Crosby & Associates is currently operating under a revoked membership, what would happen if they in fact did collect money from someone? Why are they still allowed to contact people? And why would they not provide me with the additional information that I have requested.
I can honestly say, that had I not found this site or the other ones out there, I may have actually jumped off the bridge.

Thank for your time, and being here, I really appreciate it.

R. Butler

Butler,

Dont jump off the bridge! By working through your attorney you are doing the right thing. I wouldnt make one payment to them without a validation of the debt. Also, keep close tabs on your credit report. If you see that this has shown up on your report, dispute it immediately, and make sure that you request a debt validation. If a third party ie: Ellis Crosby cant validate the debt it has to be taken off your credit report.