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Can anyone please tell me who this number belongs to? I called and when the voice mail answers it doesn't even say the company name. Any help would be greatly appericated. After the whole Ellis Crosby thing I like to know who I'm talking to.

guest · Posted: Mon Sep 26, 2005 8:08 am Subject:

This is the company calling you, they tell you to call 800-392-4029 but when I got home First Credit Services was on my caller I.D.... they are trying to collect a debt from Ellis Crosby

FIRST CREDIT SERVICES INC.
1 Woodbridge Center, Suite 410
Woodbridge, NJ 07095
View Location Map

[Content removed to avoid duplication of text of another website.-Denny]

Guest · Posted: Mon Sep 26, 2005 8:31 am Subject:

Thanks so much for the info.

tsd3569 · Posted: Fri Sep 30, 2005 9:42 am Subject: First Credit Services, INc

Thank god for this forum. I found who the phone # went to but has Ellis Crosby sold accounts to them? Is this company pretty much the same as Ellis Crosby or are they legit? Thank you for your help.

Posted: Fri Sep 30, 2005 12:56 pm Subject:

Any collection agency is required to practice within the legal lines as laid down in the FDCPA. The company holding your debt in legitimate terms should be able to give you the necessary information.

dale · Posted: Wed Oct 05, 2005 7:53 am Subject:

I just setup payment arrangements with them and they were pretty cool about it. I just want to get rid of all this headache. I really think they are legit. The are the same as Emax/Collectedge/Account Receivable Technologies. All of them are affiliated. At this point I can care less who wants to collect for the original creditor just as long as i am left alone and the payment is in full. I wish you all luck.

Posted: Wed Oct 05, 2005 9:03 am Subject:

I've learned that when there is a pause before anyone replies (when you take their call), they're initiating the recording of your conversation with them. There's a way I know this, and yes, I believe it's illegal. They think that they can use your words against you if they need to. Ridiculous...

Posted: Wed Oct 05, 2005 9:16 am Subject:

Dale, keep in mind that you have to get the receipts of all your payments made to them. You should ensure that your money is going to your debt account only. Keep everything in place from now so that you don't have to face the troubles later.

Once you have completed your payments with the collection agency, your accounts should be shown as paid in your credit report. Having something in written about it from the collection agency will confirm the deal.

dale · Posted: Mon Oct 17, 2005 2:55 pm Subject:

I just called them back and asked them to validate the debt after i already setup payment arrangements starting on 10/31/05 with my banking information. I borrowed 2 loans of $300 each with fees $390. So the total is $780. The company sold the debts. Once company sold it at $510 and the other sold it at $390. I get one bill in the mail from Account Receivable Technologies in the amount of $1215. The tell me they are charging me collection fees of $315 and then on top of it they are charging me $20 processing fee per check I electronically give them over the phone. I told them send me a real bill with a breakdown of all fees so we can go through with the payments and they said they could not. I said you can't expect to send me one bill with one company name on it stating i owe $1215 without a breakdown. So I said then I refuse to pay it. The woman said she will note that account and will send it back to the original lender and that I can expect to pay alot more money. She even told me Ellis Crosby would be charging me over $1700 by now. She said If I mail in my check and guarantee its in her office by 10/31/05 then I will not be charged a $20 processing fee. I am worrid because they have my bank info. What should I do?

Posted: Mon Oct 17, 2005 3:19 pm Subject:

Dale, you should have never given your bank information in the first place before getting the debt validated.

They are doing the illegal thing by not validating your debt in writing per the FDCPA laws. You have the legal rights to take actions against them if they misuse your bank accounts.

Also, inform this happening to your bank. They will put a stop payment if they try to withdraw money from your account. They might charge you some fee for it but it will be worth spending it. And, of course, consult your attorney regarding this matter.

Regards
Roxette

dale · Posted: Wed Oct 19, 2005 10:50 am Subject:

Ben......credit report? I don't have one payday company that reported any loan to my credit report.

Posted: Wed Oct 19, 2005 12:52 pm Subject:

Dale, you should start doing serious repair to your bad credit. Chances of your credit getting ruined are more when you have these negative remarks visible.

ckhenry · Posted: Thu Oct 20, 2005 6:51 am Subject: 800-392-4029

I too have received calls from this number. Thanks for who it was because when I've called and asked them they won't tell me. I did speak with someone and told them I needed the debt validated. They said Ellis Crosby had taken care of that. I told them they hadn't. They have refused to send me anything in the mail, however, keep calling me. What should I do?

Posted: Thu Oct 20, 2005 10:48 am Subject:

Ckhenry, have you sent the debt validation request through mail? If not, you will have to send it in writing through first class mail with return receipt requested. Doing this, you will know when they have received your letter and after that, they are required to stop contacting you. If they call you after receiving your letter, you can take legal actions against them.

But if you speak to them over the phone and request for debt validation, you won't be able to take legal actions as you don't have any proof of restricting them from calling you.

In the debt validation letter, they will have to put the correct details of your debt amount along with calculation of proper interests. Also, they are required to show a copy of the agreement letter that the debt has been sold by the creditor to the mentioned collection agency. The company should be authorized to collect the debt in your state.

Also check whether the debt is within the SOL period. All these activities will make your position stronger and show your interest of paying the debt.