E-max bought accounts from Ellis Crosby

If we don't pay the debt in time, we welcome the legal financial charges for it. But harassment and rudeness is not supposed to be gifted along with it.

Well said Ben!!!!

I have Faxed 2 cease contact letters to The number for Emax, and they have called me once at work since then, and several times leaving messages at home since then.
I wonder if it is the wrong fax number??

Also, I always get messages from what sounds like the SAME person, with different names each time.....anyone else get that too??

I believe that cease and desist letters should be sent certified mail. Even though we have the fax confimation, we have no way of telling if anyone picked it up and threw it away.

With sending it certified we have a signature that proves someone received it.

Well, that would definitely be nice if it were true.

Does anyone have some solid information on this - or the latest news from the ECA lawsuit? My fiancee was harassed by these folks and we have an outstanding balance ... so it would be nice to shut them up with a nice $1000 "refund". :-)

When E-Max was calling me consecutively, I unplugged my phone. I shouldn't have to do that, especially since part of my job description is taking calls. And not THEIR calls.

I don't want anything from Ellis, no money, no apology...I just want to see them go under big time...and leave us all alone.

This post has been removed (edited) for abuse. Please review the Rules & Guidelines for this forum before posting hateful and inciteful remarks.

IP has been logged.

Why do people care about this if they have nothing to do with this?

I didnt use profanity ,i just voiced my thoughts. does everyone on this post have to agree?

I am wondering the same thing Katie. Their comments dont do anyone any good here so what do they have to gain? No one here is a deadbeat, we are all trying to get back on track and the advice we get here helps us to do that.

First of all ANGRY MAX, we didnt call Ellis Crosby & Associates, they called us. It was them who chose to lie and harass us. And its not just people here who have had a bad experience with them. Try over 120 complaints just in the state of Florida.

An inability to pay is not a refusal to pay. EC has seriously and repeadidly violated consumer's civil rights for over three years and they need to be stopped.

You have to be respectful to all the users regardless of opinion.
(1) You're using all caps which is considered rude and agressive.
(2) Your opinion was intended to flame people rather than provide constructive criticism or provide support. This forum is for community support - not creating posts intended to anger members.
(3) I'm wiling to bet with a little bit of research you are a collection agency that is upset with the fact that we've found a way to deal with ignorant and unlawful collections.

If you wish to keep your posts untouched, please be sure to follow the forum guidelines. This includes posting in non-agressive text (ie. no "all caps"), providing constructive criticism or advice, or sharing your opinion if it is relevant to the discussion or if you have been involved in this particular discussion.

[quote=Tracy]An inability to pay is not a refusal to pay. EC has seriously and repeadidly violated consumer's civil rights for over three years and they need to be stopped[/quote]

....very well said Tracy!

the administator on this site controlls this site by removing or/and deleting all oppossing veiws. food for thought.

The administrators/moderators enforce the guideines of this website.

How can you come to a support forum with the intention of badmouthing people and causing trouble and not expect to be censored?

You are ALLOWED to disagree. You are ALLOWED to have your own opinions and opposing views. You are ALLOWED to defend yourself.

You are NOT ALLOWED to intentionally stir up members. You are NOT ALLOWED to make posts that have no relevance to the subject other than to badmouth people.

You may have been taken a bit more serious if you would have taken the time to register an account. For someone that is so concerned with "free speech" and is "so concerned" about our members, then why not create an account and join in our conversations with some constructive criticism or respectful feedback? I would encourage you to do so.

Thanks Mikey and thanks Cryptowizard for enlightening AMAX. An opposing opinion does not have to be abusive or rude.

To be honest, why even post here AMAX? The opposing side is Ellis Crosby and their abusive and illegal collection tactics. If you have something to say in their behalf, then let's here it. I am curious why they harass, lie and intimidate consumers when they know it is against the law. I am curious why they extort more money than what is legally owed when they know that is against the law.

Hmmmm ... I wonder why a WHOIS of this guy's IP address came back with:

CustName: Ellis Crosby & Associates
Address: 4494 Southside Blvd
Address: Suite 200
City: Jacksonville
StateProv: FL
PostalCode: 32216

Hmmmmmm.......

GET OUT!

That is too funny. I wonder if they have a guy there by the name of Max?

I wonder Ted knows he's on the internet playing around instead of bill collecting?

Can ECA not call out anymore?

exactly! i want to pay but i will not pay some overexderated amount. i will pay what i owe

They've been having their reps make posts around the forums as "guest". What they do not realize is that the new moderator onboard (me) is an experienced network security analyst that knows all too well how to catch people in their tracks.

Better luck next time, buddy. GAME OVER.

Is it really Ted Crosby posting here?

Excellent work, Crytowizard! haxX! :wink:

Well it's confirmed...Ellis Crosby and Idiots are as immature as we discovered via phone.
I'd like to say to Ellis & Crosby: Thanks for the laughs, the hilarious threats and the calls from your "Investigators." Next time, make sure you aren't calling a LEGITIMATE investigator before calling yourself such. I hope you enjoy working at Burger King.

Btw, why so ANGRY? You've taken several innocent peoples' money for no reason. You should be happy, right? You'll never get ANY of my money, that's for sure.

I don't know the name of the person posting, but they are posting from Ellis & Crosby's computers. :lol:

pwned :lol:

Great job Cryptowizard!! One good thing about EC finding this site is they can read for themselves first hand the damage they have caused. I bet they wont be making abusive and rude remarks as they have here to the judge in Florida.

Where did they go?

...could at least let us know your investigator name?

All I have to say is good riddings!! I have no desire to hear their side of the story anyways. They can tell it to the judge in Florida. They can also tell it to a federal judge in Texas.

Correct on the fax thing, I receieved 2 more messages and another call at work today. I have faxed 2 letters, but I do not know their address for a certified letter.....And when they call me at work he does not let me get off the phone, I have to hang up on him. I cannot take personal calls at work!

Anyone know Emax's address???

Why don't you just ask "ANGRY MAX" he works for Ellis Crosby & Associates :chuckles: :lol:

Holly

Anytime you feel the call is getting out of hand at work, mention that they're calling a business and all calls are logged and recored. Mention again that you've asked for the calls to stop at work, say have a nice day and hang up.

If they call back, tell them they need to hold while you call the state attorneys office...

They can't keep calling ONCE (meaning one time) when they've been told.

Tracy...tell me how do we go about a lawsuit against Ellis Crosby and Emax? I didn't pay either one of them a dime but I received a call I still have saved on my answering machine by Ellis Crosby's (so-called laughable)Investigator. I laso received a threatening call from ECA and Emax. How much do you think I can sue ECA for? I was thinking if I sue ECA personally then maybe I can make enough money from ECA to pay off all my debt with other compnaies. Let us know what we should do to sue ECA.

It's time for Bug Business to take a Big Loss.

1000 bucks each

Dale, I contacted an attorney in my State, Texas and he didnt charge me anything. He reviewed my complaint and said that I had sufficient cause to file a lawsuit. He recovers his attorney fees, etc from the Defendent in the lawsuit (which is what our finance code allows). In the state of Texas, statutory relief is different from Florida. In Florida it is up to $1000 and that is it (unless you are over 65, then it is up to $15,000), in Texas it is $100 PER violation.

Contact an attorney in your state and do some research on your state's finance code and fair debt collection practices act. Both should tell you what you can sue for.

Word of advice, keep records of all calls you receive from EC and EMAX, if you can record them, do so, write down everytime they call,what time they called, who you spoke to and what the call entrailed. Keep all documents (letters, etc) they have sent you.

Also, you should attempt to contact the original creditor and see if you can work payments out with them. I did, I havent gotten a response, probably because they will transfer the account to another collection agency, which is fine with me, as long as they are reputable. Either way, filing a lawsuit against EC or EMAX wont resolve the original debt, but it will prevent them from making any further abusive and illegal collection calls to you. It will also bring some statutory relief, just depends on your State's law.

Tracy has defined the procedure nicely. If the creditor will not be willing to work with the consumers, the debt will be sold to some other collection agency that will prove its honesty by validating it and not charging unscrupulously.

I should hope that the original creditor will transfer the account elsewhere, but from what I have been reading, I may be getting a call from EMAX at some point. Can EC sell accounts they are trying to collect on to another collection agency, such as EMAX? I thought only the original creditor could do that.

Debts get sold from one collection agency to another without the interference of the creditor. The creditors are in the picture only when the debt is with them or they have hired some internal collection agency for it.

There should be some kind of legal thing publishing that the debt is now owned by ...company.

I dont think a collection agency can legally "own" a debt. I am not sure how it works, but if a consumer has a valid debt with say a payday lender, then they have a contract with that lender. That lender can not sell the contract to a collection agency or it would be null and void because the consumer did not sign the contract with the collection agency. Thus, I am thinking the collection agency does and can not legally own the debt. They can only collect on behalf of the original creditor. Now, the creditor may have "sold" the debt to the collection agency, but I think that is mererly giving them the legal authority to collect on it and nothing else. The collection agency probably gets a percentage of what is collected or a flat payout, who knows.

Hi Tracy

Quote:

• The details of the account.
  
  
• All the calculation should be shown of the amount that is owed.
  
  
• Any copies of the papers to be furnished that shows the payment agreement.
  
  
• Provide a verification or copy of any judgment if applicable
  
  
• The original creditor needs to be identified.
  
  
• The Statute of Limitation needs to be proven for the collection of the debt.
  
  
• The license of the collection agency applicable in the state is to be furnished along with the license numbers and Registered Agent
  
  
• Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.
  
  
• Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.
  
  
• A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.
  

If the debt is "sold" to an agency for collection, the collection agency does not have the right to file suit do they? I was under the impression that only the original creditor can do that.

Speaking legally, they do have the right to file lawsuit as because they are holding the debt in the present time.

So a collection agency can file a suit against you if they hold "legal" right to the debt? I know they can't file criminal charges (which is what they threatened and intimidated me with), but they can file a civil suit?

They can bring civil action against you.

You didn't break any laws...so it wouldn't be criminal.

Mike

OK, at least I know that if they threaten to take me to court then they have the right to do so. That is if they even have legal right to the debt they are trying to collect from me. I have no idea if they do or dont, because I have not received anything from them regarding the debt. They called me back on 8/25 and intimidated me with arrest and said I was being charged with internet and check fraud. I told their "investigator" that I was recording him, he got pretty mad at me because of that and hung up. I have not heard from them since.

Tracy your in TX right? They cant take you in TX. There is a law, if you want to email me then you can i will send you the STATE website for TX that says they cant!

kremaley

Did you find this information on a website?

If so, could you just provide the link...just in case there are other people from Texas that could benefit from the information.

Thanks-
Mike

http://www.texasbar.com/Content/ContentGroups/Public_Information1/Legal_Resources_Consumer_Information/Legal_and_Judicial_System1/HowToSueInSmallClaims.pdf


Sure there you go. I hope the moderator will let me keep this on here!
Its on PAGE 3 under WHO CAN SUE

Katie....let me know if they can take you in NJ and if there is a website.

Thanks Katie for the website. And yes, I am in Texas and I was thinking that a collection agency could not sue me regardless if they legally owned the debt. I know that is different for every state, some states may allow for it, but Texas does not. The link you provided says that a bank or collection agency can not sue you in a civil court, but that I can and I have. I have a lawsuit pending against EC for what they did to me.

Things are a bit different here though, EC will only be fined up to $100.00 per violation and I may receive a little restitution, but not much. I am not so concerned about the money, I just want them off my back. I dont want to deal with them whatsoever. I have contacted the original creditor to try to work out payment arrangements with them, but they have not responded yet. Just have to wait and see the outcome of my suit I guess.

Kremaley, thanks, I found the website. I am not being sued by Ellis Crosby & Associates, but they intimidated me with a lawsuit and arrest. They told me I was being charged for a serious federal crime in Texas and that an officer was standing by to process me. To make a long story short, I freaked...then I went looking for answers. I found this forum and everyone here has been absolutely awesome. I contacted a private attorney who has filed a case against EC, the suit is pending. I was just curious on whether or not if EC had the right to take me to court.

Tracy:

Only the original creditor can take you to court.

collection agencies are basically just that. A collection agency.

When the creditor sells it to an agency such as ECA, they can attempt to retrieve the money. If a settlement is not made, they may refer it to their legal department, but I don't believe legal action can actually be taken since they are not the creditor. They're just a collector.

-Mike

I am not so worried about EC anymore, I just hate to read all the horror stories that keep coming in about them. Everyday there is a new posting. EC is still attempting to collect debts in an abusive and illegal manner. It is obvious they dont care about the lawsuit agasint them. They are not going to stop until someone makes them. I cant wait until EC gets what they deserve in court and hopefully, they will be shut down for good.

Dale go to CIVIL COURT IN NJ in yahoo and it will pull up their website.