Someone from Certified Recovery Systems contacted a friend looking for me. First, I have no idea how they got my friend's number, second I have no idea why they're contacting my friends when I've recieved nothing in the mail or by email from them, and third I've no idea why they're looking for me in the first place. Since I don't have a phone and can't call them, does anyone have some other means of getting in touch with this company? I've visited their web site, which was decidedly unhelpful.

[ben]

You can contact Certified Recovery System at the following address.

7207 Regency Square, Suite 100
Houston, TX 77036
Principal: John Bell, Compliance Manager
Phone Number: 713-464-8322

It’s a collection agency trying to collect some debt from you. Write a letter to them requesting for the nature of the debt.

[4u.bryan]

Hi sabresong,

Credit Recovery System, Inc is a Collection Agency in Houston. Perhaps they are trying to contact you to collect some debts that you owe. However, they are bound to inform you that they are responsible for the collection of the said debt and they should produce written validation in support of their demand. If they cannot, you need not pay a single penny.

According to fair debt collection practices act, collection agencies cannot contact your friend, except to inquire about your contact details. But they can contact your co-signer any time.

If you find them violating fdcpa rules you can file complaints against them with BBB, DA's Office or FTC also.

What you can do now, ask your friend to refer you if they call him in future. You can make some arrangements to repay the debts if their demand is legitimate. You can always ask for a debt validation and they should send you all the details of the said debt in writing.

Try a search with BBB to know more about Credit Recovery System, Inc.

For any more help, please ask your queries in the forums.

Regards,
Bryan

unfortunately, the address above does not accept mail. if you call the number, they refuse to give you a mailing address. (and are decidely abusive in the process) they are harassing me to have my brother contact them.

[Not so Lucky]

I received a phone call yesterday from Certified Recovery Systems on my mom and the womans name was Jeanne Johnson and she stated that mom had a complaint filed against her and gave me the file number (account number) and stated that if she didn't hear from her by 5pm she would be arrested. Mom stated that it was from a payday loan that was paid in full in February of this year, she has sent receipts showing proof of payment and copies of the return receipts signed and CRS says that's not suffient proof. How much more proof can a person send to them?

[ben]

Mom of twins

Proof of the payments along with copies of return receipt is sufficient to prove the payments made to CRS. Even if they file a case against you, you will be able to say your side of the story. Does your mom have the copy of her credit report after the account was posted as paid in full?

My friend has been trying to contact them for 2 days to work out payment on a $498 debt. She has paid more than half of it and wanted something from them saying they received payment....she has called 6 times and been hung up on EVERYTIME. the last call I got on the phone with her and the lady was so rude I was in shock! If nothing else, they are being reported to the BBB for being bad to do business with. Even when you TRY to pay them, they treat you like a piece of garbage!

[ben]

Carrie,

Tell your friend to keep the payment receipts in a safe place. She might need these receipts to show it as a proof. Write a letter to the company and ask them to send an itemized statement before she agrees to pay anything further. She needs to get sure that the money has actually gone to her debt account.

I tried to pay a bill with CRS and they were very rude. The lady screamed at me and called me irresponsible and said that I got myself into this and that I should pay bills on time. I asked for a manager and was hung up on. When I got through again, I was told they didn't have to be nice to people they were a collection agency. I was trying to pay the bill off that day in full. It is now unpaid and will remain that way.

Guess what? Today, I went to Western Union and paid $220 to CRS...Somehow, I needed my money refund...I called CRS and they lied to me..they said the fund was not on the account..blah blah blah...I told them to please refund my money back...to reverse the transaction...they refused to refund it back...I called western union about this situation...it was too late and CRS has my money...How do I fight and get my refund money back???? thanks!

Does anybody happen to have a fax number for Certified Recovery systems???

[dave]

I am so sorry to hear your story Rebekah. Do you have any document that they received the fund? If yes, you can take legal steps. One more thing I would like to share with you, never pay without having debt validation. You have all the right to ask for some written document before you pay.

And Leanne, I am sorry, I don't have their Fax number. You might try to send them a letter.

Hi I received a phone call from a Samantha from Certified Recovery Systems in Texas, she was very rude in trying to settle up and make terms with me. She stated i needed to get an attorney or pay in full in two days. I have never received a phone call from these people before today 8/4/06. The debt was from a payday loan company. I was trying to make payment arrangements with her, but she continually said I was trying to avoid the debt. I even told her what I could afford to pay but she continually said I needed to get a lawyer.

They have been calling me as well. They have called friends right after talking to us. They also are threating me to get a lawyer. They want what was originally a 300 payday loan to now pay 600. they would not take payment or make arragements. After I told them I couldnt pay it they called a couple weeks later with a deal we came to an agreement and now today (Before agreed date) they are leaving nasty messages for us to call them. I almost dont even want to pay at all. (But I dont want to go to court like they are threating to do)

[CycloneFan]

LT if it was an online lender they won't take you to court. Send them a debt validation letter along with a cease & desist. Only deal with the original creditor, not CRS. Good luck!

Thanks, yes it was an online lender. I borrowed 300 paid 90 a week for like 12 weeks then they started taking large amounts out of my account I should say trying to take the full 300 plus 90 for fees. that overdrew my account to the point I had to put a stop payment agianst them because thye kept doing it even though I told them I didnt have it. So now they want 600 something. And CRS is harrassing us for it. They were saying things like "Do you refuse the right to a lawyer?" I would reply with I am not refusing the right I just do not have one at this time. They wanted the name and number to my lawyer right then or else they took it as a refusal to have a lawyer. I guess they are just trying to scare me into paying it. Thanks for your help Sue!