Debt Collector

yeah i have gotten a call from them telling me that they are going to press charges if i don't pay

Why don't you search them on the web and look on the BBB for their 'rating.' I've never heard of them. But..the BBB MAY have some information on their services. Look on the web to see if they are legit.

I did, just out of curiosity. I didn't find anything regarding an actual business with this name.

Kenmore, NY? Wonder if that's part of that Buffalo, NY Collection Agency "Bermuda Triangle" we hear so much about. The place that produces disproportionately more questionable CA's than just about any other city in America.

Well, other than Jacksonville, FL, that is.

I talked to an attorney and he said I would have a case against them for violations. I called CRS back to get addresses and names, and they said they had a cease and desist order and would not give me any more info. I have not heard from them since.

I've just had dealings with them and they refused to give out a mailing address.

They have not called me, but have called my parents, sister and my job and told them that they are going to put me in jail for check fraud. I had taken a payday loan about 6 months ago, paid about $500 on a $300 loan. I finally closed my bank account to stop payment because every time I called, they gave me the run around and kept taking $90 a paycheck out. Now I have my family, work and friends calling me in a panic. I tried calling the number to get an address to send a debt validation letter, but they would not give me one. I found one on another message board if you would like to do the same thing:

1651 Kenmore Avenue
KENMORE, New York, 14217
716-995-0615

They will be probably be shut down for these illegal practices soon I hope. I called my Attorney General's office this morning to file a complaint.

good move on your part my friend.they cannot and will not have you arrested for a debt.debts are civil matters not crminal ones.which pdl were they collecting for?

They are collecting for Cash Net who would not stop taking money out of my account so I closed the bank account. (I was desperate and stupid for making the loan, I know) They collected $200 more than the state of Florida allows for interest. I told them they could take me to court last year when this all happened.

An update: They called by sister's ex-husband's parents and gave them personal information and told them there was a warrant for my arrest for check fraud (same MO as before). I called Check Resolution again this morning and spoke with a Mr. Little.

I told them that the ex-inlaws called the police in Indiana where they are located to report the phone harassment and that my friends and family have decided to do the same if they are contacted again. I told them that if anyone I know calls me to let me know they have been contacted by Check Resolution, the police will be contacted. I also filed a complaint with the Florida Attorney General's office.

FYI - the Florida Attorney General's office also referred me to make a complaint to the FTC and it will be noted in their database which is accessible to national and local agencies. Here is the link to make a complaint:

https://econsumer.ftccomplaintassistant.gov/default.aspx

Funny - Mr. Little first said a summons was already sent to me - I have not received any summons. Then he said a private process erver was the one probably making the harassing phone calls and he asked for all the phone numbers that have been contacted. Of course I told him that I am sure that they have all the phone numbers. He also tried to get me to "resolve the issue" before being served. Then he let it slip that he is sending a letter certified mail and once I sign for it there is no turning back to resolve the issue before going to court, yeah right.

Just to let everyone no....the ca's buy this debt from different lending institutions and they are well with in there right to file summons and take you to court for your debt owed. They are not doing anything illegal other than trying to collect on a debt owed by you! So I would be careful the next time you decide to take a loan out and not pay it back because they have the right to take you to court and recover the debt.

Legal begal, BLAH, BLAH, BLAH!!!

whatever legal bagel.these companies wouldn't have a prayer in court.that is why they have to illegaly threaten.as guest said,BLAH BLAH BLAH.

Legal Begal:
FIRST, a summons is a request/command to appear, as in "John was summond to the principal office."
SECOND, you file a SUIT and a SUMMONS issued for an appearance in court. You do not file a summons.
THIRD, a CA CANNOT, contact third party after making contact with the responsible.
FOURTH, CANNOT release personal information about the responsible.
FIFTH, CANNOT threaten with untruthful statements, as in arrest.

So, they are not within their rights.

These people have contacted me as well,funny thing is.I have never taken out a pdl and havent written a check in several years.After listening to there ploys,i get the feeling they are a scam.Or they hold the record for break more laws in the FDCA than any other company can.

I as well was contacted by this CA. I made an initial deposit payment and set up 3 payments at an outrageous monthly fee which I would have a very tough time affording. They of course threatened me with jail if I did not set up arrangements immediately and I fell for it. After my first large payment was debited from my bank account, I learned from a random news special that it was illegal for a CA to threaten jail so i called this company back and told them "NOPE" not going to be bullied by them and that I was a cheaper monthly payment. They put me on hold and returned with a counter monthly payment offer - I said "NOPE", I can only afford a certain amount per month and that is my limit. The rep advised me they only offered 90 day pay outs and that it can not be exteneded beyond that time frame. I am offering to pay them and they decline so I told him to stop all payments immediately. He of course reminded me of the "summons" that I will be served and I told him I was aware and would expect it. He further confirmed that my next payment for November 24th and December 29th would not be debited from my bank account and he sarcastically wished me luck. WELL, November 24th was yesterday and today, that big inflated payment was still debited from my bank account - even though my authorization for all future payments had been pulled. Of course I call immediately and am given such a run around with the reps telling me that the original agreement must be upheld. I am awaiting my call back from this same man I spoke with a month ago so he can try to learn about crediting my bank account back the payment they debited. I have already contacted my back and will be disputing this charge if the funds are not replaced within the next 48 hours. Now the CA is also willing to see if they can make good on the agreement I tried to offer them a month ago of a certain amount per month until it is paid out - even though a month ago, 90 days was the maximum time allowed to pay out.

close your bank account. They will keep on trying to take payments. Tell your bank you didn't authorize the payment.

How can i handle their threating calls to my job...has anybody tried something that would stop the harrassment calls?

The statute also has clear restrictions on debt collectors contacting consumers at work. The statute prohibits calling consumers at their place of employment when either they know, or have reason to know, that the consumer????????s employer prohibits personal calls or that the consumer doesn????????t want to be contacted at work. So, if you are getting calls at your place of employment by a third party debt collector, tell them to stop calling you there. Alternatively, if you are getting calls by third party debt collectors at your residence or on your cellular phone and are afraid they are going to start calling you at work; tell them the next time you speak to them to never call you at work. If after telling the agency this they call you at work, they have violated the fdcpa and you have the right to sue for damages. The prohibition against work place telephone calls is simple; if you????????re getting calls at work when you????????re not allowed to you will likely get fired. If you get fired you can????????t pay your debts. As such, the statute prohibits work place telephone calls if you notify them that you are prohibited from receiving them or if you simply don????????t want to be contacted at work.

If you think a debt collector has violated the FDCPA, call 866-339-1156

Even named my bank...but I called my bank and asked them about the threats and this company, they knew nothing about them...the bank said that they probably hacked my bank info online and went from there...my bank said that they have not pressed ANY such charges against me...and my credit card company said to file a report with my local police department...this is fraud folks!!! Pure and simple!

They called me a while back with the same threaten messages and script, I contacted my attorney general and even called the court house and sheriffs department about the summons. The sheriffs told me they are bluffing and do not give them any information. The sheriffs explained that they do not issue summons for debts owed. Please report them to the appropiate persons, they are a scam and need to be handled.

Once again, my friend, I have deleted two of your three posts that were here, since they were indeed duplicates--and am letting this one stand--just because I believe in free speech, not because I agree with any of what you say.
Again, you need to pay strict attention to the TOS on this site, because I and other moderators will recommend in a New York minute that you be banned, if you persist in this hurtful dialogue.
We come here to work to get out of debt, and from personal experience, I can tell you that it's painful enough being in that state with out having people like yourself come here and spout flames. So COOL IT.

They somehow got an unlisted cell number of mine and now calling and threatening me so i read some of the posts and called back saying that my atty wanted to send a debt validation letter and the guy was really rude and said they will send us a cease and desist and you wont hear from us again. Then he proceeded to tell me good luck as in they are still going to summons me...they tell me the county that i am in and going to be served. What is going on with these people?

keep us posted KEL as this place will not summons you.they are a scam as a previous poster stated.

Just called my work phone and left me a message regarding the same thing I"m like who is this and WTF i'm being summoned for what! I had to listen to the message 3 times regarding a payday loan I'm assumming she never even quite mentioned WHAT IT WAS FOR! But I heard the word SUMMON and i went to goggle and this is the link I pulled up whats going on with this company!

Hey Shy your link did not show up..can you re-post it please. Just to recap I have not had any calls since Jan 29th. Thanks to everyone that post about this company, otherwise I would still be getting annoying phone calls!

These people are committing a crime when they claim to be officers of the court.

Dare them to serve you papers, because if you're really being served, they don't call to warn you. It's a collection technique that should be outlawed.

I live in VA and they did the same thing to me. I have not heard a word from them then they called my 80 yr old parents house and said that the police were on their way to my house to arrest me. Funny thing is they had the wrong address!! Of course my parents paniced and called me and I contacted the number they left and they stated they did not call that it was a process server. BUT it was their pnone # they gave my parents for me to contact. The man on th ephone said the police would be at my house in 10 minutes to arrest me if I didn't agree to some sort of payment arrangement. So I did and requested something in writing but I have not received that as of date!!!

I see that this so called company has had some dealings with a few more people than myself. I received a call from them saying that I had taken a payday loan out from Cash Net USA and opened a bank account with a Whitney Bank. The money didn't clear when the payday loan went through and now i am supposed to be served with paperwork regarding this case. They instructed me to go to the a police station and file a fraud report and fax it to them. The lady gave me her first name at first and no last name but when I called her back I got an answering machiine which stated her first and last name. I also noticed that the websie for this company is closed. Further research shows that I have no account opened at Whitney Bank. Finally I am puzzled, I wasn't even in the country at the time all of this "fraud" took place and thy have my full social as well as my current address. Anyone got any suggestions?

Either a case of mistaken identity or you have been a victim of ID Theft. Go to www.ftc.gov and follow the steps outlined in the IDT section.

to the two humanoids i deleted.save the pay your bills for when your harrassing over the phone.it's not wanted here.

contact federal trade comission 1-877-438-4338

These same people contacted my husband on July 9th left him a vmail on his cell, claiming to be a process server. They then contacted my husband at his work number gave the receptionist there too much info. My husband called the 888-995-0615 and spoke with a lady there, claiming to be Ms. Potts, she told him that they'd fax an affivdiat the county so that he would be served today for commiting bank fraud. But that the issue could be resolved today if the FULL amount was paid today. My husband told her he didn't have any money to pay, she told him to then expect to be summoned at work and in front of everyone. She then told him she could work at a deal with him, that they could wait for his next payday if he were to give them credit card and they would hold off. Well, my husband ended up falling for it bc of all the scare tactics they used. He called me after he'd spoken with the lady and told me he'd rec'd a call from this people and had given them credit card info, I told him that it all sounded very fishy and why hadn't we'd ever rec'd any bill from this people. So I called that lady and asked her why we hadn't rec'd any letter and she told me...that she didn't know why bc they've sent so many. I asked her what address where they sending it to and she gave us our address. I then told her she needed to resend letter & email me something to. I also informed her that we weren't going to be able to make a payment for the full amount & if we could have some sort of payment plan. she said no, that if we didn't have any money to borrow some from family members. She then told me there was nothing she could do since she'd already spoken with my husband and he'd given her the credit card.
I thought it was odd that they wouldn't agree to a payment plan bc usually debt collection agencies do. So I ended up googling the company and found all this stories about this company.
I called that lady back after reading all this and ask her to give me the company address bc I was going to send them a debt validation letter but she would give me the address. She kept telling they would just take the money out of Monday. I kept asking her for the address and she still wouldn't give it to me then she started accusing me of harassing her and she hung up on me. I called again and told her all I wanted was for her to give me the address and she told me no and hung up on me again. I called her again and informed her I would be calling my bank so they wouldn't let this payment go thru.
Sure did call my bank and reported that card stolen.

These same people contacted my husband on July 9th left him a vmail on his cell, claiming to be a process server. They then contacted my husband at his work number gave the receptionist there too much info. My husband called the 888-995-0615 and spoke with a lady there, claiming to be Ms. Potts, she told him that they'd fax an affivdiat the county so that he would be served today for commiting bank fraud. But that the issue could be resolved today if the FULL amount was paid today. My husband told her he didn't have any money to pay, she told him to then expect to be summoned at work and in front of everyone. She then told him she could work at a deal with him, that they could wait for his next payday if he were to give them credit card and they would hold off. Well, my husband ended up falling for it bc of all the scare tactics they used. He called me after he'd spoken with the lady and told me he'd rec'd a call from this people and had given them credit card info, I told him that it all sounded very fishy and why hadn't we'd ever rec'd any bill from this people. So I called that lady and asked her why we hadn't rec'd any letter and she told me...that she didn't know why bc they've sent so many. I asked her what address where they sending it to and she gave us our address. I then told her she needed to resend letter & email me something to. I also informed her that we weren't going to be able to make a payment for the full amount & if we could have some sort of payment plan. she said no, that if we didn't have any money to borrow some from family members. She then told me there was nothing she could do since she'd already spoken with my husband and he'd given her the credit card.
I thought it was odd that they wouldn't agree to a payment plan bc usually debt collection agencies do. So I ended up googling the company and found all this stories about this company.
I called that lady back after reading all this and ask her to give me the company address bc I was going to send them a debt validation letter but she would give me the address. She kept telling they would just take the money out of Monday. I kept asking her for the address and she still wouldn't give it to me then she started accusing me of harassing her and she hung up on me. I called again and told her all I wanted was for her to give me the address and she told me no and hung up on me again. I called her again and informed her I would be calling my bank so they wouldn't let this payment go thru.
Sure did call my bank and reported that card stolen.

Quote:

well the loan was 300.00 they paid 500.00.of course they will work with them if they give them bank info or a CC number.this sounds like a typical bottomfeeder that collects illegal pdl's that are already paid or overpaid.you did the right thing filing an AG complaint.debts are civil matters not criminal ones.

Hello Everyone,
I got a phone call from some company by the name of DPS. He said that he wanted to surve me some paper work because someone was trying to take legal action against me. I asked him who it was from and what it was in regards to all he said was he has an envelope that he is unable to open until he gets the appovel and that all he knows is that it might be for a check. He gave me the a phone # 888-513-7945 and my case #. When I called that number I got directed to A Tony Simmons With CRS. I asked him what the case was protaining to he said it ws in regards to check n go. I then asked if I was able to make payment arrengments with them? He then asked me how much I can do and Then he put me on hold. Tony got back on the phone and told me that I can do that but it has to be set up with a checking account or a pre paid visa card. I told him I don't have a bank account anymore and that I was able to send Money orders to him and he said that he can not except money orders. I want to know If any one can help me with resolving this problam. I do want to pay them back but being a parent of 2 and the only one in the household working I can only afford a small amount. Can They only do that form of payment through a checking account or A Pre paid Card? I'm not sure how to respond to this. It is really stressfull when someone is threatening legal action against me. Does someone know how to respond to this?

He is handing you a big pile of dog doo....no process server calls ahead of time to ask if you are home or if you want to call. They get paid to serve you...not to negotiate the debt.

Who is this debt for??

[COLOR="Indigo"][/COLOR] i live in Ga and the called my husband on his cell phone and told him. i would be arrested by 2pm today if I did not pay them the money. i called the company they wanted my debt card and four post dated checks.. i told them no...

[QUOTE=Anonymous;667722][COLOR="Indigo"][/COLOR] i live in Ga and the called my husband on his cell phone and told him. i would be arrested by 2pm today if I did not pay them the money. i called the company they wanted my debt card and four post dated checks.. i told them no...[/QUOTE]
Good for you!

Yes, they harrassed me as well, threatened to send the Police on my job with a warrant for my arrest. My problem stemmed from a cancelled check from a deposit on a car I purchased back in 2007 from Curry Honda in Atlanta, GA. The car had electrical problems and I advised Curry Honda that because I had to pay out over $1400 on a re-built alternator, then a new alternator and two batteries that I was cancelling my down payment to them. I never heard back from them until now 3 years later. I allowed them to withdraw $650 from my account to keep them off of my new job I just got. I no longer have that car because more problems surfaced last year, with oil pan leakage and the electrical problems began again, so I allowed the finance company to re-possess the car in December, and in February here comes this company out of the blue demanding $650. No letters or emails were ever received, and I am trying to make them send me something showing paid in full, only I cannot find anyone to contact. So I am making it Public Record here on this site that like I fool, I paid them, but they will not get another cent out of me or I will turn them in to the FBI and the Internet Security Services. I will let you know if someone sends me a receipt.

Concerned citizen...did you get the dealership to agree to cancelling the downpayment? You would have had a contract with them and if you decide to put a stop pay on the downpayment after the fact without their approval, you could be found guilty of theft by check. Not only would you owe the dealership, but now you will owe a deficency balance to the finance company. You will probably be sued.

I have a question... I received a phone message from them on my answering machine for a family member. They gave detailed explanation of the situation and file number in the voice mail. If I'm not mistaken... they are not allowed to do that? It was for my brother in law... I thought they could only give information to a spouse under the FDCPA. Are they a debt collector?

it's funny how when a debtor knows he/she took out a pdl, didn't pay it back, and has no intention of paying it back, and the moment a chance arises, they take every and any excuse to not pay it back. all of you are the reason our country's economy is in such turmoil.

^^well hello debt collector. The OP never stated they took out a loan or what their intentions were. However, the situation is beside the point the FDCPA was enacted for a reason. ALL debt collectors must adhere to the law. The DC in question broke that law. The OP could sue for $1000.

it's hilarious how bottomfeeders and the people who work for,and support them use the old"we are the reason this country is in turmoil" line.nope the reason is a few.

1)illegal lenders bleeding people dry
2)bottomfeeders scamming people out of money when they have no legal right to contact much less collect.
3)losers with issues who phone and lie out of their backsides which would land them in jail long before we are arrested.

back to the phones humanoid.

1) completely legal transactions placed online with debtor information such as ohh.. i dont know.. SSN, DOB, full name, address, phone numbers, bank information. im not saying i back any pdl company because they do bleed people for money, but for those of you stupid enough to actually take one out, its completely legal.
2) the company i work for is a legitimate debt purchasing company. once we own your debt, we have the right to take you to court and collect moneys borrowed that were never returned.
3) i, for one, do not lie on the phone. sure there are some collectors out there who break the FDCPA on the daily and some are even supported by management because they can put up outstanding numbers, but you cant lump us all into the same category. i call out, i say the mini miranda and i follow fair debt collection practice. if you dont want to pay your bill, thats your call, but whos the real loser then?

you are as everything you just posted i have seen countless times before.i notice you never mention sending letters of collection.which you are required to do per the FDCPA.to your other point,of course you do't lie on the phone.you just did here so what's to stop you on the phone.why don't you get back to them as you look like the typical collection fool here.

Different poster than the one above...

paulmergal, would the letters fall under following the FDCPA? :confused::confused:

yes as they either must send a letter prior to phone contact,or 5 days after intial contact.that is defined in the FDCPA and anyplace doesn not comply is not legit by any means and should be treated as a bottomfeeder.

Has anyone heard of the Chebat family. John Chebat also owns IAG International asset group which Jimmy Chebat is a relative of.. Check Resolution as well as IAG all have lawsuit Violations for FCRA under the FTC.
Jimmy no longer lives in CA however has so called moved to Kenmore NY.

yes i just got finsh paying off and debt with them i will never do and online payday loan again.