Pay Day Loan

Hi R. Butler

Welcome to the forums. Though the membership of Ellis Crosby has been suspended by ACA International from continuing business, it does not altogether stop them from contacting the debtors.

They need to keep their actions within the lines by providing proper validations of the debt that they are claiming from the consumers. Not validating the debt is adding to their illegal acts again and it is a violation of the fdcpa law.

Please send them a cease and desist letter which will restrict them from operating any further collection efforts on you.

If they don't follow your request, you can file a case against them for not validating the debt and repeatedly calling you under Consumer Protection Act afforded by the FDCPA Section 809 (b). They can by sued up to $1000.

You have to take legal action against them if they keep harassing you endlessly.

Regards
Roxette

Thank you for your response, I appreciate it. Unfortunattly for Ellis, Crosby & Associates, I do not take these things lightly. I have filed a complaint with everyone that I can possibly think of, and my attorney is working on the rest. I think that I saw somewhere a fax number for Ellis, Crosby & Associates, so I will fax them over a cease & desist letter, thank you for that advise.
I have never felt as low as I did today, thinking that there was something out there, that I may have missed, that would cause me to get arrested and possibly loose my job. I have never felt the urge to sue someone or a company, because it is life and stuff happens, but to intentionally lie to and make people feel like scum is unexcusable.

Thanks,
R.Butler

This information will be helpful to you

Ellis, Crosby & Associates Inc.
Contact: Ted Crosby
4494 Southside Blvd., Suite #200
Jacksonville, Florida 32216
Voice: 800-491-8615
Fax: 904-928-0722

Trust me, things will take good shape and you do not have to tense yourself at all for this.


Regards
Roxette

Thanks, I really appreciate the info.

No doubt, i tottally agree with you. When they called me i wanted to jump off a bridge too. My boyfriend was looking at me like- who is this girl, what has she turned into? I did not want to go to work and i did not want to do anything but lay in my bed. Thank godi ran into this website too

Katie - It's so nice to hear that you have overcome from the pain inflicted by such illegal acts of Ellis Crosby.

We need to make our others members in this community also stronger like you. I hope that everybody will have necessary information from this website to deal with such painful situations.

I see that you have been posting in the forum regularly and providing needful help to the community as a guest. I suggest you to register in this website for free of cost. Being a registered member, you will be able to accumulate some debtcc points which will be deposited into your account. You will be able to cash-in those points as reward money from this website. Let's earn it.

I got a phone call from them on Friday telling me that they were coming to my office on Monday to arrest me and take my hard drive from my computer. When my husband called they changed their tune and stated that they were trying to collect a debt owed for 290.00 and that it needed to be moneygramed to them to stop any action. When I called them today to tell them that i needed a to 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.
I was told my Mr Robuck that i had already been sent one and when i asked what address he sent it to i was put on hold. Then some lady picked up and when i told her i was on hold for Mr. Robuck she put me on hold, THEN someone else picked up the phone and asked what i was holding for and i told him what i needed and when he asked me who i spoke to: i told him the FTC he then hung up on me.
What do i do now?
If I owe the money i want to pay it but i already paid FSM GROUP 490.00. I don't think i owe anymore

Hi Jenrum73

You can confirm about the said account by pulling your latest credit report from the three bureaus and know your latest financial standing.

If you do not owe anymore, than your credit report will give a clean view. You can confirm yourself.

Trina,

I read your post and I received a threatening call from an Investigator Roe/Row from the same numbe ryou posted. He would not validate anything and wanted me to send monies immedicately. I took all the info and then pass it to my lawyer. I am trying to find out more info. Whatever I receive, I will pass on. I did a cease and desist letter and contacting FTC, BBB, attorney general's etc. Please if you have any info to help us along on this frustrating issue, please post to me.

Thanks.

I just got this from the ACA website listed above...I copied and pasted...

ACTIONS OF THE ACA ETHICS AND PROFESSIONAL RESPONSIBILITY COMMITTEE

Ellis Crosby and Associates in Jacksonville, FL After a thorough investigation, complete examination of the record and full discussion of the issues, the ACA Ethics and Professional Responsibility Committee has terminated the membership of Ellis Crosby and Associates. The expulsion took effect on August 9, 2005.

http://www.fdcpa.org/?cid=6710

that doesnt mean anything. Its like belonging to a club. The ACA just kicked them out of the club. There is nothing legally binding there.

Ellis Crosby was so blantently dumb in their accusations, that I just found humor in their threats and laughed histerically...to which they hung up twice.
What flagged my attention was "We're going to send a guy to your work to arrest you"
(I work on a military base...good luck with that, j@ck@ss!) and "We're going to take your hard drive."

What's THAT going to do? My bf is a sys admin and even said that won't do anything...to which we had another good laugh.

What next, you're going to kidnap my mother???

It is fun to mess with collectors sometimes.

Yea, I do the same with telemarketers

Hi all,

Welcome to the debt consolidation Care forums. We appreciate your valuable feedback and suggestions and it is making this board interesting and lively.

We welcome all of you to join hands together and fight against all the debt related problems. We know that if we stand united, no one can harm and intimidate us.

A little bit of awareness and education can do wonders. Please do not hesitate to post your experiences and comments on this valuable board.

Regards
Roxette

I got a harassing phone call today from someone representing Legal Mediation. They gave me until 5 pm to pay my debt or they said they would file charges against me both state and federal and that I would be prosecuted. Thank you for this form. I wish to settle my debt but my finances are in shambles please help!