Internet's first get-out-of-debt community - 123,000 members

Dale

I received a phone call from 3 people from E-max that don't stop calling. First a Mark Ford called saying he wants $688 due immediately from a deby due from Bahamas Marketing Group. I told him to give me his telephone number and he gave 1-800-458-9081. Then I asked him where he was located and he said Somerset, NJ. (Kind of strange when all 3 people have an Indian accent and couldn't even provide me an addressof his location). When I asked for the address he placed me onhold and hungup.

Round 2 (10 minutes later), I get a call from Sophia stating she was from Emax. I told her I do not know who you are and not to call again. I hung up on her.

Round 3 (5 minutes later), Sophia calls back and says my manager wants to talk to you named Keith. I get Keith on the phone and tell him to give me his location, address, phone number, license number, agency number, also to mail me a validation that he has the right to collection in my state. He claims he mailed me a leeter on 9/1/05 stating that I owe $638 for a debt from PPGC (Premier Processing Group) I said what? Keith said ok it's $526.50. He changed the price again. I told him the phone line is being recorded and he said no do not record the phone line. I said do not call me again and only mail me documents he said, "I will keep calling you everyday until you fax me a cease and desist letter to 732-748-4381". I then said, "don't order me around. why don't you give me your address and i'll have my attorney send you a legal document." he said, "you don't need my address. you just need my fax number."

I just started laughing at him and said, "Keith you are funny. Are you sure you are with a real collection agency? You are just making me laugh to hard." He said, "stop it. it's not funny. Ok give me $500 dollars." I told him keep calling and wasting your time because I have better things to do then to waste my time on the phone with you and he said, "you will see when the documents come in the mail". I said, "go ahead. mail them and we'll be in touch then."

This is just so ridiculous and I think we can all agree that these documents will probably never come in the mail. This company called E-max apparantly bought the accounts from Ellis Crosby and Associates. Now they are trying to act like a real collection company but they won't provide you with a mailing address. This is because they are so illegal.

If you receive a call from E-max I guess its just going to be a funny call. just tell them you are recording the line whether they like it or not. You will only continue the conversation with them if they answer questions for you and provide you with a mailing address.

dale

According to my phone conversation with them.....I remmber them saying they would not provide their address but I remember Mark Ford said to me they were located in Somerset, NJ which is located to Princeton, NJ. But now I look on this website and look what I find:

azbanking.gov/Lists/CA_List.HTML

Emax Financial Group, LLC
Suite 300
5 Independence Way
Princeton, NJ 08540
(702) 221-1972

home office #0907136

Started:07/15/2005
Expires:01/31/2006

[Link made inactive as per forum rules. Please copy and paste the address in your browser-Mike]

Posted: Sat Sep 03, 2005 2:45 pm Subject:

Hi Dale,

Welcome to the forums. E max seems to be working with a bunch of unprofessional representatives who does not even know how to deal with the consumers.

As a matter of appreciation, you handled their call very confidently and were sure that they cannot be dangerous. However, always be alert as you never know how these people can come back.

Take care

Regards
Roxette

Posted: Sat Sep 03, 2005 2:45 pm Subject:

Thanks for sharing the information Dale!! Hopefully they wont be in business for much longer!

dale · Posted: Sat Sep 03, 2005 2:55 pm Subject:

Roxette...Thanks for the heads up.

Bidgy · Posted: Sat Sep 03, 2005 2:58 pm Subject: Angry on creditors

I am going through very hard days in my life having financial problems and have not been able to pay many of my bills. My creditors are calling my neighbors whom I even don't know properly and they leave a note saying to call me back. They are not calling me as I have an answering machine in my phone. I fear they will keep calling everyone else in my neighborhood.

dale · Posted: Sat Sep 03, 2005 3:00 pm Subject:

Folks:

This could also be the companies prior address:

Emax Financial Group LLC 1123 King Street Christiansted, St. Croix USVI 00820 License # 2034 issued - 03/19/2004 expired - 7-1-2005.

Apparently these calls are coming from OUT OF AREA so it is possible this company may be operationg out of the US Virgin Islands and may no jurisdiction to collect in your state. (especially with everyone from the compnany having a foreign accent).

I still find it hard to believe on how a collection agency can not provide you an address.

I don't mind paying the loans but if the original loan companies want nothing to do with these loans and keep forwarding me to these illegal places i just might keep dodging these calls until we see what happen with the Ellis Crosby case. Maybe we will win a settlement to pay off the legitimate company and have nothing come out of our pocket.

dale · Posted: Sat Sep 03, 2005 3:04 pm Subject:

Anyone live in Tennessee????

LICENSE # 2593
LICENSEE
EMAX FINANCIAL GROUP, LLC
5 INDEPENDENCE WAY
PRINCETON, NJ 08540
EXPIRATION DATE: 12/31/2005

[Link made inactive as per forum rules-Mike]

Posted: Sat Sep 03, 2005 3:05 pm Subject:

Bidgy

The FDCPA law does not permit the creditors to call your neighbors more than once and also gather personal information about you. Please send them a letter telling that they should not call you or your neighbors about the past debt. They need to send it through registered mail. If they continue these activities, you can go to your local aid. There are tons of laws for the protection of the consumers and the penalties to the companies are severe.

dale · Posted: Sat Sep 03, 2005 3:18 pm Subject:

Lic#907136
Emax Financial Group, LLC
Suite 300
5 Independence Way
Princeton, NJ 08540
702-221-1972
contact: Mitchell L. Heffernan
Lic Started - 7/15/05 Exp - 1/31/06

[Link made inactive as per forum rules-Mike]

dale · Posted: Sat Sep 03, 2005 3:41 pm Subject:

sorry Mike I just don't know what I need to do to link something

Posted: Sat Sep 03, 2005 3:44 pm Subject:

I specifically asked the people where they were from and he told me India. Everyone I have spoken to or has left a message has a very thick accent. In fact, at times it's hard to understand what they are saying. So if they are operating from outside of the US, can they not collect in the states? Or is it a state by state juridiction? I've asked for validation several times. First they told me they mailed a letter a few weeks ago and then they told me "we mail one 2 day ago" I bet I don't get one, but I will fax them a cease and desist letter on Tuesday.

dale · Posted: Sat Sep 03, 2005 3:52 pm Subject:

Bidgy:

It appears Emax is trying to charge extra than what the original loan was. The fact of the matter is that they bought the loan from the loan company. Let's say the loan was for $300 and with fees every payday you would be charged $90. As you know the $90 is interest and nothing gets applied towards the $300 unless you choose to pay down or pay off.

Regardless if you default on the loan or not with these scam companies. The most you really need to pay back is $390 maybe even only $300.

Emax is trying to add extra fees to our loan and will not give reasoning for it. They buy these loans for a percentage usually 50%. So they want to charge me over $600 on what they only paid $150 (if they paid that as it might be on consignment). The moist you should be obligated to pay is the original loan amount.

But this company like all the other scam companies really have no jurisdiction to collect in many states. I noticed EMAX has an office in Princeton, NJ but the contact telephone number is in Nevada. I don't believe they are able to collect in the states of New Jersey or New York this is why they use an alternate telephone number. I might just walk into the EMAX office in Princeton, NJ on Tuesday morning and see if any office is really there or if it is just a phony address for postal mail.

Posted: Sat Sep 03, 2005 3:57 pm Subject:

Which isnt surprising, because a lot of these companies will obtain licenses in Nevada because of their lax laws.

dale · Posted: Sat Sep 03, 2005 4:04 pm Subject:

Michele:

I don't know where you live so it will be tough to tell but I can tell you that any collection agency looking to collect a deby will be happy to provide you anything you need and give you telephone numbers and mailing addresses.

Emas is just a spin-off of Ellis Crosby and Associates and will be the next company to be investigated. The only thing I can tell you is that Ellis Crosby were Americans and were slick in how they carefully delivered their choice of words to you as you know many Americans won't put up for sh-t! You can tell these people were from outside the country because they had no rebuttal. They displayed a great example of the terribal illegal collection agency with no skills. That's why I was laughing at them.

I would not pay anything to EMAX or Ellis Crosby or anyone until we know of what outcome will occur from the lawsuit from the State Attorney General's office in Florida on the Ellis Crosby suit.

Just think about think:

You take out a loan for let's say $200 and you have to pay back $260 but now you are in collections from an illegal company and they want $500 or more. Just file a complaint with the BBB and State Attorney General's office. If Ellis Crosby is sued and the Florida State Attorney General wins the case then according to the legal documents borrowers that haved been harrassed will receive $1000 as a settlement.

Next, if EMAX becomes the next Ellis Crosby then they could be sued as well and you may receive another settlement of say $1000.

Eventually, either the original loan company will write off your debt, take whatever you can give and write off the balance or will just pass it along to another illegal company and the same will happen over and over again.

Fact of the matter is you will evetually collect enough money from all these lawsuits to payback all your loans without any money ever coming out of your pocket.

If this keeps continuing you may never have to ever payback the loan.

*Name:
*Email:
*Phone:
*Zip:
Debt

	* denotes required field

Internet's first get-out-of-debt community - 123,000 members

E-max bought accounts from Ellis Crosby

Members Area

Free Debt Counseling

Ask the community

Featured Discussions

Featured Articles

Question of the Month

Useful Links

Recent Forum Discussions

Recent Blog Post