Check Resolution Services threatening to serve summons–I’m too scared

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TO ALL COLLECTERS ON THIS SITE THAT ARE JERKS>>>>>>>> stuff happens from time to time and everyone gets behind. so STFU and LAY OFF THE CAPS JERK

Glad you got him before I did!

Hi, In Sep of 2007 I took out a PDL from CashNet USA. I have defaulted on the loan and my bank closed my account due to too many NSF because of this company. I reside in R.I.

Okay-Cashnet sold my account and closed it out. I do not remember the name of the co. they sold it to. I called CashNet in Nov 2008 to verify who it was sold to and they told me but I don't remember. In Nov 2008 I started receiving calls from Delanore Kempner and Assoc out of GA-Same story, if you don't pay we will have a warrant issued for check fraud. Back in Nov I researched there claims, came accross this site along with others and verified that PDL default is Civil NOT Criminal. I sent Delanore Kempner a debt validation ltr via certified mail and never heard from them again.

Well, on March 17,2009 Check Resolution bought the debt and started calling me. I received the first phone call on 3/19 rqsting paym within 38 min or I will be served a summons for check fraud. They have called my work, mom and nana and left messages.

I have alot of debt that I cannot pay due to job loss, etc. and am going to file for bankruptcy. I met with the bnkrpty atty today and she advise me to IGNORE the calls from Chk Resl.- don't call them back, don't answer the call, don't even mail them anything. She said eventually they will go away and sell the debt to someone else or write it off.

My question is.... Do I ignore them - Or do I at least call them to tell them I am filing bankruptcy and I know their threats of check fraud are bogus because this is civil NOT criminal...Ideally I would like to mail them a C&D letter and in the letter advise them I am filing. I know by reading these forums that I cannot be arrested for check fraud for defaulting on a PDL, however when that phone rings and messages are left I still feel like I an going to have an anxiety attack. I am wasting too much time on this- time I should be spending w my child and I can't pay this and not my rent or put food on the table. Please Help..... (SORRY FOR WRITING A BOOK)

I would follow your lawyers advice.
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The loan to CashNet will be listed on the bankruptcy and will be discharged??when the bankruptcy goes through.
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Don't speak to them at all. You are doing everything you can to get out of debt. You and your child come first. You are not the first person to default on a loan and you will not be the last.
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I know it can weigh on your mind and the calls don't help but try to look to the future. Once the bankruptcy is over it will get better.

Follow the advice of your attorney, this will all be behind you soon.

check resolution called me several times on my land line, cell phone, and when I called back the same guy answered. He told me, how I was going to be reported to Dallas County for not paying my account off. He wanted all the info from my bank I told him I don't have a bank account. So I asked him for original documents since it has been years ago. Mr. Kevin said he couldn't send me nothing, since my account was going to be reported early in the morning to Dallas County. Then Mr. Kevin asked me if I had someone that could let me use their bank account so I could send some money in to cover my bill. I told him no of course not but, why didn't he lend me his bank account to pay he hung up. But all this drama does put stress on you, or it does scare you.

someone needs to stop them now! Frustrated in Dallas

Next time he calls, verify your address and inform him he had 5 days from his initial contact to send you details of the debt. End the call. Don't buy into his BS about it going to Dallas County.

I got a call from these people too saying the same thing everyone is stating. They said they were going to serve me last Friday at 4 p.m. and needless to say it was an empty threat.

:roll:[samebox:00b9d469b1="paulmergel"]feeling articulate are we now?[/samebox:00b9d469b1]

Hello all, what is a C+D and a Dv and how can it help me here? I too have been getting threatened. I live in PA. Thanks.

A C&D is a Cease and Desist letter. This usually pertains to unwanted calls to your work place, family members, and references from a third party collector or in some cases original creditors. This is a formal request to stop them from contacting you at all the above listed.

A "DV" is a Debt Validation letter. This is a request on your behalf to the collector requesting a summary of charges of a debt owed. Usually these are sent to third party collectors as well.

I just gotta call also telling me I need to call check resoulutons so I won't get summoned but this number this guy gave me named howard was 18885136945 doent even work what am I supposse 2 do they talkin bout fraud and all sorts of stuff I dnt even hav a real contact # I dnt wanna go 2 jail or court

Trust me you wont go to jail. A debt is a civil matter not a criminal offense. I suggest you ignore this clown if he is calling in reference to an Illegal PDL company.

Just got a call from the check resolution. I paid it. I just moved from Oregon to Florida less than a month gets me. I just don't want to take any chances this was a pdl from 3 years ago. Things change and things happen And I think that pulling this scare tactic is horrible. I am a single mother and when he said he is charging me with internet fraud and theft it really had me crying. So now they are paid and I am broke go figure. What jacks.

So happened to be that when Mr Reily called me My "old fashioned answering machine picked up" and I got the call recorded, just played it to the supervisor after the supervisor said no we just file civil cases. I told him no Mr Reily said criminal I saw my answering machine blinking played it and HOLLY COWW can i sue they "blackmailed" me to pay and i have proof? what should I do?

I just listened to the conversation in Detail and When I answered the phone he greeted "This is Richard reilly of Check Resolutions thru Clackamas community Credit Union" Exact wording. I am forwarding this to my old credit union to see if they have any issues with this blatent misuse and fraud and see if they too will be filing a suit.

Okay I just talked to some guy who told me I need to make 2 payments to pay it off before im summoned to court I asked if I could send payment to them he said no I have to pay with credit card or my checking acct and I dnt feel comfortable doin that he said if I dnt he can't send off a cease and desist letter so I won't get summoned he said I will be explaining it in couet in front of tha judge and have extra cost myy question is do I give him my info 2 pay it or risk goin to court this loan is from cashnet confused[font=-][/font][color=-][/color]

Sounds like BS to me. You're in the driver seat here, they either take it the way you are offering or piss up a rope. Alternately, you can go with a prepaid Visa.

i receiceved a call from a supposed private investigator who's name is kariemandason who bought my old payday loan that had been sold three times in the last 2 yrs i had 48 hrs to pay the first $300 i inforemed her i was out of work until july 6,2009 she told me to borrow the money from friends because she could't give me an extension so i asked her if i could talk to her boss she said she was the boss she started acting ugly so i hung up the phone. I CALLED HER BACK AND WAS UPSET BECAUSE I HUNG UP THE PHONE AND TOLD ME TELL IT TO THE JUDGE SHOULD I BE WORRIED.

got a call from my mom, Patrick Bateman left several messages on her voicemail stating that I was going to be served with a summons for check fraud/bad check. I called him back at 888-513-7945, he answered but when I said "Patrick Bateman?" he said he did not know who that was (same guy that left the message, btw) put me on hold to access my file, told me he was working on behalf of SACU. I told him I would handle directly with SACU as I don't believe the debt to be valid - he then switched gears and said he was working on behalf of Check-N-Go...I told him I would deal directly with CNG, he then stated I would be arrested at my workplace within the hour - when I brought up Texas laws he hung up. I am filing a complaint with the FTC and whoever the hell else I can...these people are blatantly violating the law and need to be stopped.

Add the TX AG as well

i was also contacted by these people. i cannot pay this and i am pretty sure i paid it already. i have a three month old baby and i lost my job and am starting college. i wont respond to them its not worth the stress. they contacted my mother who will not give them my info. you wont have criminal charges as a payday loan check is a postdated check. i just wanted to share this
There are some NSF checks, or bad checks that are usually not considered fraud and are normally exempt from be punishable by bad check laws. Section 3-104(2)(b) of the UCC, defines a check as "a draft drawn on a bank and payable on demand." The first type is a postdated check, since it is not payable on demand, is usually considered, by most states, that the writing of a post-dated check is not a fraudulent act and is not punishable under bad check laws. The second type is the writing of a bad check if they are used to pay a past or ongoing debt, such as a note payment or invoice. However, if you give a creditor a NSF check or bad check for a COD order, then would be considered to be within the bad check laws.

I to had taken out a payday loan over the internet. Same thing happen something came up where I couldn't pay and it's been almost two years. I just saw a dateline special where debit collectors were trying to scare people into thinking that they would go to jail over this. It's just a debit collectors scam to get you to pay. Ingnore it don't be scared. They just blowing smoke your way. Thank you dateline for the inside info on debit collectors.

This company is after my cousin posing as cops and saying that they are going to arrest him at work. He understands that he may debt he owes, but still why is this 3rd party company saying they are from the police dept. They even said he forged checks with a certain bank but yet that bank account has been closed for years. Yup, makes you think.

I got a call from someone named Mr, Burns the 20th of june 09.
Two yrs ago i had a loan with cash express and because i could
not go and pay the loan in person, i was careing for my dying mother at home, the co. sent my postdated check to the bank. When i found out I called the bank and put a stop payment on the check. Burns called me but before he called me , he called my olderbrother and a nephew and my youngest son in another part of the state saying they were trying to contact me because i was wanted for fraud for bad checks. They had my cell and home no. all the time. Like an idiot i let them have my debit card # so i wouldnt be served. I went to my bank and tried to stop the money from coming out, but the bank said because i gave the information, too bad so sad, so i closed my acct. For thirty minutes Burns threatend to slander me to family and my work, he even to me i was a loser..The balance of my loan was $450. Check resolutions is gonna charge me $785.00 to resolve the debt. Texas is a debtors state.

I received a phone call from my Grandmother, Father In Law and my Wifes uncle today stating that a "Mr. Goldman" had called them stating that my Wife was being prosecutes for a bad check from Check n Go in 2007. "Mr. Goldman" told my Father in Law that there was a warrant out to arrest my wife, and told my Grandmother that if we didn't call him today that she would be "served with a summons." Not knowing this was scam like I called the number and talked to them, they told me that my Wife was scheduled to get a summons today, and that she would be charged with check fraud and theft. I asked him if I could stop that and he said to hole and he would see if the bank would let him take the money, he came back on the phone a few minutes later and said he could take a debit card or checking account number and then he would send out a c&d letter. Unfortunately I gave him my debit card number not knowing what I know now, but scheduled it for Friday, so I can cancel the payment or cancel my card....what should I do????

I received a phone call from my Grandmother, Father In Law and my Wifes uncle today stating that a "Mr. Goldman" had called them stating that my Wife was being prosecutes for a bad check from Check n Go in 2007. "Mr. Goldman" told my Father in Law that there was a warrant out to arrest my wife, and told my Grandmother that if we didn't call him today that she would be "served with a summons." Not knowing this was scam like I called the number and talked to them, they told me that my Wife was scheduled to get a summons today, and that she would be charged with check fraud and theft. I asked him if I could stop that and he said to hole and he would see if the bank would let him take the money, he came back on the phone a few minutes later and said he could take a debit card or checking account number and then he would send out a c&d letter. Unfortunately I gave him my debit card number not knowing what I know now, but scheduled it for Friday, so I can cancel the payment or cancel my card....what should I do????

Please help me my mother inlaw is accusing me of credit card fraud and I did not do it can anyone help

stlfdmedic13a,

Close the card and get a new one (report it lost).

H.Kaye,

You need to seek legal counsel.

I was just contacted by this company set up a payment with them they email me a settlement agreemant with adress of Amhurst NY ...BUT my bank statement shows The Burgandy Room in Depew NY which is a resturatant...Bank is looking into it

They say they will grarnish wages of 25% of gross wages and charge my fees of 1500

the 25% depends on the state you are in,and that is net after all other deductions.that is after they take you to court.that would mean summoning you and a hearing.that won't happen with this place.some states are non-garnishment too.

There was 0 entries found on Google for "Federal Check Resolutions" so I would say it was a scam, the Burgundy Room sounds like it certainly was a scam. But that place *is* just outside of Buffalo which has a reputation of having an infestation of lawbreaking collectors! But, if you've never been to that area and that company name is specified as the source of the charge, I'd suspect some kind of phishing expedition/scam/identity theft. Keep on the bank, request that they expedite the request to figure it out because if I am correct, you will need to file a police report *fast*.

Check Resolution Services (the title on this thread) only has had 2 lawsuits filed against them in Federal Court. No wonder why they continue with impunity... According to the BBB complaint log they have started simply ignoring the BBB. And why not if no one will sue them? I do understand that they have only been in business a very short time, but only 2?!

If it is CRS, then more people need to SUE THEM! And file complaints properly! Not only file them with your state Attorney General, but also the AG of New York as he has made it his personal mission to investigate and close down scams and illegally operating businesses. Like this on, a guy who ran more than EIGHT (8) debt collection agencies in Buffalo who was arrested himself!

They should snag this guy for the FTC! He's doing WAAAY more than they are lately (then again Cuomo didn't spend two years trying to stop Whole Foods, either!)...

Here is the News Report on Syracuse TV: "http://www.9wsyr.com/content/news/real_deal/story/Debt-collector-shut-down-The-Real-Deal/ZUPuVzs41EaAiX6M6l3nGA.cspx"

I called the Burgundry Room today they said yes they are a restrant but also a credit card processing center for Federal Check Resolutions...Has anyone ever heard of a restrunt doing such a thing?

According to Google:
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I just ran into another post detailing this very same thing: an alleged collector calling, the person paying, and the bank showing that the payment was made at a restaurant - in this case it went to a Chinese restaurant!

http://www.debtconsolidationcare.com/collection-agencies/rsi-internetcashadvance.html

Since you said they emailed you, what is the email address it was sent from (according to the Full Headers, a "from:" address can be spoofed by a spammer but the Full Headers will have a complete IP trace).

And what number did they call you from?

Seems like everyone in these posts so far are being threatened and conned by acting upon others fears.

They can not do anything that I have read to this point. A PDL is a loan. You can not be arrested for not paying a loan.
The cops dont come when you dont pay your house payment.
Prosecutors are not debt collectors. The PDL lenders may be able to take you to civil court (cant be arrested for a civil matter) But they CAN NOT take you to criminal court.

If they call again tell them you want to speak with their supervisor. This usually throws them for a loop because they are working alone and get a % of the money they collect, if any. Find an attorney in your phone book that offers a first time FREE consultation. Call them and tell them the whole story, threats, scare tatics, and all. The attorney will have solid suggestions and advice.

Then when the creditors call back, give them the name of the attorney and their phone number. Tell them any further communication will be handled through your attorney. And DO NOT call you again. When they call the attorney, nothing can be discussed because of attorney client privilege.

Most of the time by doing the above the calls and threats will stop, because harassment and threats are illegal! They are the ones that actually may be facing charges.

Take the monkey off your back and put it on theirs!

The next time these idiots call you or your family tell them to go piss up a rope. They have your address, tell them to come on by and see you! You will be there, ready and waiting! Otherwise cease the calls!

Tell them you are on the nationwide do not call list and you are going to report them for harassing calls.

Tell them you know your rights, local, state and federal, and that they are being violated. Tell them you are contacting your states attorney general, the BBB and CFSA and reporting them to all.

I have no reason to believe that this is a real debt collection agency, but is actually a scam, that's why I didn't mention all that debt collector FDCPA laws, I am investigating and I will report on it sometime this weekend.

You can tell a scammer anything you like, they are most certainly prepared.

The fact that the payment showed up on a bank statement as a **RESTAURANT** (please pay attention to that part) is proof enough for me that you can quote the FDCPA and the FCRA until you're blue in the face and it will do you no good.

Until then, DO NOT PAY ANYONE EVEN ONE PENNY OVER THE PHONE UNLESS *YOU* CALL THEM (and have researched both the phone number they give you, and the phone # that shows up on caller ID.)...

lol sounds like a bunch of loan sharks! I think I would change my phone number and make it an unlisted private number. Then close your bank account.

They cant get your money unless you let them have it. So cut off anyway they can get to it. Start right now protecting yourself.

This is not a legit business.

Heres the low down. Online PDL's will not sue you over a $400 loan, it goes right to a collection agency. Now a PDL with a office front in your state is different. They can and usually will sue you for what you owe.

Ifiled a complaint with the Upstate New York BBB today. Cancelled my card and filed a dispute with my bank. Wish more people would do this too

These people keep calling my husband at work and harassing him, threatening they're going have my husband served with a summons. My husband told Thomas (from Check Resolution, Thomas didn't want to give out his last name) to stop calling him at work because he would get in trouble and probably get fired or written up. Thomas told him he didn't care that he would keep calling my husband so that'll he would get fired. My husband then asked him "what did you say?" and he answered with "you heard me" My husband asked to speak to his supervisor and then Thomas hung up on him.
I've already filed a complaint with FTC. I'm going to file a complaint with TX general attorney & NY general atty too.

I have the same problem, i got a call from some one i would be served with summons, this was last week and i called them and they wanted me to set up arrangements for every pay check to be taken out. I never called back after i said had to check with husband. said i had bad check why i was being served. So they called today saying same thing.

Holy Crap! Well my story is much like all of yours. I was contacted by someone posing as a Process Server from the county that I live in and he was giving my a courtsey call to let me try to resolve this issue before he would either serve me at my home or place of employment. I called to see what was going on. I wasa connected to Check Resolutions. I was informed that I was being investigated for Check fraud. Alysa (x119) asked me if I had been served yet. I told her no that I hadn't and that is why I was calling. She said that if I hadn't been served that I had to opportunity to make the debt good and she would send s cease order on the summons. She then put me on hold. She came back and told me that I owed $640 but they would settle right then for $500. I told her that I couldn't pay $500 right then. She said that she could maybe offer me a payment plan. Once again hold. Then she said that I would have to give an immediate payment of $212 with another $212 due on my next pay day and then the final $211 due the following pay day. I tild her that I would have to get back to her. She gave me 24 hour to call herr back. I did request debt validation.
The next day I called and spoke to Tony Lewis (x141). He confirmed that Alysa had infact put a hold on my summons but I would have to make a payment. I told him that I couldn't make a payment now, but I could on my payday. So like a fool I gave them my debit # (not wanting to have to go to court). Well they took the $ on the correct day, but I still haven't recieved my validation. So I called today. I spoke to William (x136) and asked where my validation was. Hold! Then Alysa came on the phone. She said that she saw where she put in the request, but she didn't know if it had been sent. She said that it could take up to 30 days to get it. I reminded her that I requested it on 8 July. She asked if she could fax me one or email it to me. I told her that I prefer to recieve it via mail. She said that she would put in another request.
I did some searching about Check resolutions and found this site. Now I am very concerned. So I didi a little detective work. Alysa gave me their address 1561 Kenmore Ave, Kenmore, NY 14216. I did a search for them and could not find anything. So I called the city of Kenmore NY. I got the water dept and they verified that they had willing information for Check Resolutions at that address.
I then logged into cashnetusa to check on my account. The screen says "Your loan has been sold to third party collection agency. Please contact our Collections Team at (888) 801-9078 for additional information." So I called. I asked to whom I neede to talk concerning my account. She said that my account was with DMP (1-800-883-9067). I asked her if she knew anything about Check resolutions. She said that she didn't know anything about them. She said that they may have purched the debt from DMP.
I have now been on automatic hold with DMP for 26 minutes.

Any Direction? I am contacting the bank on Monday to reverse the charges by Check Resolutions.

Thanks
Holy Crap from Utah

Did a google search for utah payday loan laws and found an infomative packet titled "Consumer Guide to Payday Lending in Utah".

These bogas people have taken my money but thanks to this website i might be able to recoup my money the bank is going after these horrible people and yes all of these stories about check resolution service is correct with the fake names and case number but now these people are giving out CSR Collection agency address which is a valid collection agency.

so check resolutions is a collection agency only and are not some bogas people scaming? someone please answer