This afternoon I began doing a lot of research after a phone call from a debt collection agency. Here is what happened to bring me here.
Phone number left on answering machine asking someone to call, not saying who (my husband or myself) needs to call. So I went ahead and called. I am told there is a debt in my husband and my names for 505.90 from an old bank account. Now I personally know nothing of this. I explain this to the collector who identified herself as Lynn Parker (not sure if this is a real name). She read off my address asking if it were correct. It was. She said several statements had been sent to us. At this point I am angry with my husband thinking he must have opened them and not told me about them. (found out later no statements have been sent but he has spoken with this same woman about a month ago who told him he had to pay up that day or we were being sued.) She wants to talk about the account with me and I tell her again I can't say anything about it because I have no knowlegdge of its existance. I need to speak with my husband. She said "If you want to get rude with me, fine. With the touch of a finger I can have a garnishment order set up by tomorrow for you." Once again, I explain I am distressed because I need to speak with my husband but I do not like being threatened so I would like to speak with her supervisor. She says she is the supervisor so there is not one other person I can speak with. She tells me she has no supervisor. I said, "Someone had to hire you so how do I get in touch with that person?" Then she actually says "Are you an idiot? I mean are you a blooming idiot lady? You can go ahead and talk to the president of the company" I realized I was not dealing with a rational person so I let her finish with her "idiot" tirade. Then I reminded her she offered to get me the information about the company president. She said "Yeah, I'll get you that information, this is how...." and hung up. I was very unhappy and realized I could not even look up who this company is because never once did they identify themselves. All I got was a name, if that was even her real name. I called back. This time I got a man who calls himself "Keith Nelson". I explained to Keith the situation and that I was calling to make a complaint about "Lynn". He supposedly took the complaint then proceeded to attempt to collect this debt that I don't know about. Again, I tell HIM the same thing. I have to speak with my husband. He tells me I am playing games. He needs a number HE can reach my husband at. No, not giving him the work number, sorry. He said fine, I better get in touch with my husband and me or my husband HAVE to call him back by 8:30 tonight or HE will start garnishment of pay tomorrow. I asked him for the company's address. He said they sent us bills, its on those. I told him I have not seen those bills so I needed the address. He told me that is not their fault, I need to find the bills and get the address from there. I ask him the name of the company. He says CRS. I had to ask him twice what it stands for: Capital Recovery Services, he tells me and reminds me to call him back by 8:30.
Through research I was able to connect Capital Recovery Services to an attorney by the name of Douglass Burgess. Is this attorney the same one you all are speaking of? And what can be done about this? If you have read this far THANK YOU!! I don't know if it is the same company that you all are talking about and I need an address. Any suggestions? The phone number I have is 1-888-397-9500 but again, he refused to give me an address. Thanks.
J