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

I am dealing with them now - they even call you when you do make a payment - they had me go to wal-mart and get a debit card - i did it did not want to go to jail - can they garnish your paycheck? So after all of this I can't go to jail for this. My guy name is Bill Parker. He even tried to double up on my payments. He calls my cell and work number. need more information to stop them - what kind of lawyer do I get - will legal aid help - I was out on disability and just started back working.

I was unable to pay the other half of my loan for check n go. I get a call from a company called CDR, and they said that they have been trying to get ahold of me for months which umm no they haven't. I have every number from bill collectors and the number from them never popped up. well anyways they wanted me to pay the full amount which I can't pay right now due to money troubles well they didn't like that answer and said they are going to sue me for defraudation (which Ive never heard)....then when I asked for the full name of the company and the law firm they were with they hung up on me. I called back several times and was hung up on. After several times of calling and arguing with the woman she told me that she would call the cops and have me arrested for harrassement. I told her it was required by law that they give the name and address of their company if someone asked. Then they called my work today and was rude to the front desk lady. Ive never talked to someone so rude and told them as soon as my lawyer finds the name of the company. Anyone else worked with this company or heard it?

yeah im dealing with CDR or whatever its called. They told me that they have been trying to get ahold of me for months but i know that isn't true b/c I keep a record of all calls from bill collectors and their # is not one of them. They told me that they were going to get me for defraudation (have no clue)....when I asked them for their company name and address and the number of their lawyer that they have threatened me with they kept hanging up on me. When I kept calling back the lady told me that she was going to call the cops for harrasement. they were going to let me make payments but their "LAWYERS" won't let me do it so I have to pay the full amount so when I told her I would have the money till payday but they don't like that answer and asked me if I had a lawyer I said yes and she hung up on me again. Im glad I read these answers but has anyone else had this problem or know what I can do?

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Maybe that company owns the debt and is just trying to let you resolve this matter out of court before they pursue you legally for the debt??????

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My son took out a pdl 2 yrs ago and i {his mom} pd it off and now This is two years later. I have know idea what to do know they say he is going to have to pay 3,000.00 I don't know how to prove it's pd. I pd with cashier's check. This is wrong.

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i recvd nasty phone calls fr this agency too ....i know about fair credit which advises you what collectors can do first of all if they havent notified you by mail of the debt they dont have a case and them stating that it is an bad check they need to show proof of bad check it is just a tatic to make you pay also i have contacted pdl who adv me that the client never responded to them so that is why it was resolved...im going to get a letter fr them unless i get something in writing saying i owe this debt i am not legally bounded...

I'm also getting calls from them. They called my family members and left a message on their answering machines saying that I have a bad check. It was pdl from 3 years ago. I called the pdl and they said it has been sold to a collection agency so I have to make arrangements with collection agency to pay. Well CRS says they are not collection but are in the process of filing legal paperwork against me if i dont pay it. Then the processor called today asking what my plans are for taking care of this. I told them to take me to court because I can't come up with full amount at once. I told him I was going to speak with a lawyer and he said weill have your lawyer call CRS. I'm just worried what is next. I'm tired of the calls to family members that I hardly know. I want to pay but need a payment plan and proof it's paid and what it's for. They will not even tell me anything. The process server said he doesn't work crs but I believe he does.

Funny thing is I have never received anything about this debt from anyone or any agency.

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That is so funny all the messages i got the same call from payday loan in elaware and this happened 2007 and they called and said the same thing i wrote a check I said i never write checks i do ach and they said yea that is what it is. Let me tell you what they did to me 2007 they called my husbands family every one of them last name liek our and told them i am scum and do not pay my bills and they were tkaing em to court and get arrested so sad they handle things this way anyway as of today his brother does not talk to us saying i am bad news and think of this how dare they call his family and my friends i think i am truing them also into attorney generals office.

they payday lender can sell your past debt to a collection agency not knowing it is paid off. They sell it to someone who's overseas cause they can make more money than the ones working in this country trying to collect

So I got a call from a "process server" from a blocked number. After avoiding several of my questions about the documents he would be serving me and who the diocuments were from, he told me he was calling to make arrangments for me to be served and stated "You have been notified." He also stated that if I wanted to try and make some arrangemnts with the company to avoid legal trouble I could by calling 877-255-2156. So I called. The automated voice says its the number of Law Office of Anthony H. Rodriques and givees me a promp menu to choose from. After speaking waiting for a rep they tell me a summons was issued for me to appear in court for a pdl from check n go, but I could settle with them since I haven't recieved the paperwork..... yea right! I cursed them out like it was no tomorrow. How dare you try to insult my intellegence. The next day while awaiting for the "process server" I recieved a fax from this company at my job stating that it was a VOM letter (Verification of emoplyement), once again this companyh got a tongue lashing as I called and let them have it. THe gentleman who talked to me stated they now owned the debit and I can settle out of court with him before my case was fowarded to my corresponding county in Alabama. I laughed at him and told him just like that you guys can take back legal documents and summons? I told him since you taking me to Monopoly court, I'll pay you with Monopoly money...... The only way they getting my money is if they get it like the IRS and that's take it!!!

Next time they call, after you pick up the phone and the caller id
s himself, pause, make a slight noise and say "thank you for waiting I am now recording this call. Please go ahead. Betcha he hangs up or get really pissed. That was my experience.

I do not remember the name of the company however they called regarding an old internet loan from 2008. I do not have caller id so i do not no what number they called from. they threatened me with a summons and said they will be here tomorrow between 10 and 12...tell me these are the same people

I am so glad you posted this... just a few days ago I got pretty much the identical call... from a man stating he would be by my place of residence today to serve me papers, ending the call with "You have been notified"... The caller ID said "Private" but when I called the number he left it also connected me with an Anthony Rodrigues. I immediately told the person I spoke with I wanted proof of paperwork, and he told me they couldn't give it to me because it had gone to the company who would be serving me.

I did call my county courthouse just to make sure nothing had been filed against me, and they said there was nothing at all.

I'm still a little worried though... this guy called my cell and business phone both today and said he was on his way out to my house today. Should I be concerned?

not at all.the threats get more ridiculous as time goes by.don't be suprised if nobody shows up.these places will say anything to make an illegal buck.

I received a call from this company just yesterday. They called (from a private number) my mom first who lives in another state, said they were a process server looking for me. When my mom asked what it was in refernce to they told her they needed a contact number for me. My mom insisted that they give her their number and she would pass it on to me. They hung up on her. A few hours later (again from a private number) they called my brother who also lives in another state. They left a message on his machine saying I need to call this number 877-348-3599 and that a lawsuit has been filed against me. I called the number and a gentlemen called me this am. His first question was did you get notification from a server? I told him I received serveral calls from soneone looking for me. Do you have any idea what this about? I told him no. He said it's in refernce to a payday loan that was from 2008. That I owed them money from the loan due to insufficent funds from my checking account. When I told him my account was closed due to the fact that they took money out of my account more than twice a day and it caused overdfraft fees almost near $1000. I also told him that as of Feb of this year this matter was paid off through a real collection agency in the amount of $750. He told me that the amount was for $500. I told him that because it went into collections that other charges were applied. He stated that I must have taken out a second loan with the company and that was what he was collecting on. I told him there was only one and I paid it off. I had the letter of payment in front of me. He then told me the letter was not valid due to the fact that I didn't have an original account number. I told him the letter was valid, it was on the collection agents letterhead with all the information "I" need to state it has been paid. He spoke in circles and said I will get back to you, because I need to reasearch this matter further. I'm still waiting for a call.

:( If you keep on hearing from them. I talked to the bank and what thye told me was after the first 30 days they can't get any money. I was also told that after 6 months thery can never get any money. Don't let them bug you they can't win. Mike In Texas.:p

They are debt collectors pretending to be process servers. They call you from their office and block their number, hoping that they scare you to call their office. Then they pretend that you are being sued over a payday loan. Its just a scam to get you to call their office. Dont pay the bill.....9 times out of 10 its not even on you credit report.

What ever happened with this? I was called today!

Did you receive a call from Check Resolution Services? If you do not owe the debt, then you should ask them to validate your debt. If they are unable to validate your debt, send them a cease and desist letter and ask them to not call you any further.

Do your research...because they can and they will!

they will what?please don't come here stating they can do anything,but call and break the law with illegal threats because that is all they can,and will do.

"Charles Jones" has been leaving me messages with the callback # for the "claimant, as a courtesy" leading to the recording for the supposed "Law Office of Anthony Rodriguez." I delete the msgs because I know it is crap, all my PDLs are paid off. Just now I get another call at my office from some other dude who says he is taking over for Mr. Jones, and that he will be coming by my place of employment today "as his schedule works" to serve me the legal paperwork. I told him, "Great, look forward to seeing you! I am here until 5 PM." I wanted to ask him what kind of car he drove and tell him I'd be waiting out front. They used some number I have not seen before and hwen I googled it nothing came up except some kind of Canadian insurance sales or something. It was like 877-383-2183 or something similar.

Yeah, total effin scam. Last time I checked, process servers never, ever, EVER call you beforehand to warn you that they are coming. Their entire goal is to surprise you and catch you off guard. This is nothing but a stupid scam.

I'm back! All of you scumbags are still bitching about receiving calls.. I have advice for you, pay up ya dead beats =D

I used to work for CRS. I have all their information. Personally, you people still piss me off because you won't own up to your mistakes, but that's neither here nor there. Bottom line is, they legitimately buy your debts from lenders such as ACE, CashNet, etc. They reserve the right to take you to court for not paying because they OWN your debt. They may have the wrong tactics and they do break the law every single call, but they aren't lying when it comes down to the facts. If you people want to stop receiving calls, pay your debt, make sure your payment doesn't bounce, and get on with your life. I bet if you put as much time into taking care of your finances as you do trying to avoid them, you would live a much happier life.

the two posts above mine are prime examples of himanoid shills as basically anybody who calls from them is an absolute criminal.why?because while it is not a crime to owe a debt.it is a crime to threaren criminal action as this bunch of lowlife's does on a daily basis.to the idiot just above me.you can't take anybody to court.only a lawyer can,and since you have no lawyers on your criminal staff you break the law in threatening lawsuits,and fraud charges.so i hope you two had fun,but nothing is going to change as we will still not just pay lowlife's on the phone anymore,and you will come on here acting like the fools you are.back to the phones both of you.

This is a scam that is usually targeted to consumers that have taken out Payday Loans. I was hit once last year and once this year by two different organizations. I contacted the Federal Trade Commission who handles consumer complaints and they confirmed that this is an organized attempt at consumer fraud. Anyone can become a collection agency and buy a list of names and numbers of people that have had debt problems in the past. I encourage everyone to read the Fair Debt Collection Practices Act online to learn your rights.

Most important note that,
1. A creditor must provide you with a letter of allegations in writing. Nothing is verbal.
2. The consumer has 30 days to dispute the claim in writing.
3. It is illegal for a creditor to threaten you with a lawsuit, jail time, arrest or similar action.
4. You can only be contacted once per day during reasonable hours that are specified in the law.

Don't let them intimidate you with fear. A reputable collection agency will always offer payment arrangements as a first attempt to collect past due money. They would rather get some of it back than none at all. Going to court is expensive and is considered a last resort.

Most important, never give out personal information over the phone to anyone that you don't know. This includes bank account numbers, address, place of employment, names of relatives or friends. They use this information to make it appear that they are a legitimate business.

Think about this, if someone bought a list of 1000 names for $500 and was able to convince only 10 people to send them $1000 each, they would be sitting pretty with ten thousand dollars. And all they had to do was make a few phone calls. Don't give them your hard earned money.

I filed a formal complaint online with the State Attorney General's office and the Federal Trade Commission and they have used this information to build a database to close down these groups and take leagal action against them. The only way these Government agencies can help is if you fill out the form and file a complaint.

I hope you find this information useful. Next time I get one of these calls I'm not going to loose any sleep over it.

Im having the same problem...One has been calling me for the past 2 days! Why after 3 years just now getting a hold of you I dont understand! Not getting any money from me until I see legal documents.

The reason why you guys probably wont get every legal document you demand from a collection agency is not necessarily because they are a scam or illegitimate company, its simple statistics. Too many debtors use it as a convenient way to buy time, delay paying anything or just as something to hide behind. If you guys truly want the calls to stop here is some simple advice.

-Ask for a settlement (a high % of your balance will be interest)
-If you decide to pay it off at one time you will probably get the best settlement.
-Get something in writing (email or fax works) so that arrangement you have made with said company.
-Know company and collectors name and how to contact them.
-Finally make sure you get a paid in full letter

Lastly, stop using the law to justify not paying your debts. Ever wonder why collectors are forced to use such methods?? Just be happy you live in a time when you wont have to go into indentured servitude or be locked up in the tower of London for owing money.

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no shazz it's typical humanoid stupidity.let me dissect this point by point.

1)the real reason a bottmfeeder can't give documentation is because they don't have it.why?simple,they either bought or stole the person's basic info.
2)i would neve accept a settlement in any form unless it was mailed to me with a signature on it.only bottomfeeders send faxes and emails.
3)alot of collectors use alias's and bottomfeeders will change that alias at the drop of a hat.
4)since this thread is about a scam(you more than likely work for)they will never give i PIF.
5)i love your last stupid line.the laws exist for a reason.bottomfeeders like this and humanoids like you.

well i hope this popped your self indulgent bubble.now back to the phones with you.

I got a call from CRS saying I had fraudulant check charges pending for an outstanding PDL. I called them back and asked for the balance, and they said with penalties and interest that I owe $1725.00. It has been so long since I had taken out this PDL that I had forgotten about it, however it is true that I owe to Advance America. But I knew there was no way that I owed anywhere NEAR that amount of money. The man that I spoke to was not rude or mean, but very pushy. He did say that the bank was going to file a lawsuit if I didn't pay or make arrangements. He offered a settlement of $515.00. I asked him what the original debt was, and he was unable to provide me the information. He asked me to make an offer, so I did and he said it was "accepted" if I could make a partial payment immediately, and the balance in full in two weeks. I (stupidly) gave him my information. The first installment came out of my account, and I received an email detailing the arrangement. I was unsettled about this, so I looked the company up online, and I found this blog. I called Advance America and they said that they did indeed sell my account to a collection agency called Precision Recovery. I was informed that the balance owed was $217.25. I will stop payment immediately on the next installment. I tried to call them to tell them that I would only pay what I owe, but they are apparently closed on Saturday. I will make new arrangements to pay just that.

My husband got a phone call from a Ms. Davis that they are trying to locate him to be served a summons regarding a fraudulent debt and that if he didn't show up for court that he would go to jail. We knew he had a Pay Day Loan with Check n Go and caution went out the window with the threat of jail so we gave them our debit card number to make a $100 payment with the remaining balance of $515 to be paid within two weeks. The original loan was for $200 *blank stare* the bells and whistles still didn't go off at this point. At any rate we are in the midst of disputing the $100 payment with NetSpend a debit card we purchased to make the payment (thank God we didn't give them our banking info). The number Ms. Davis called from was 877-420-9911.

I JUST RECD A CALL FROM 1-877-847-5151 AND I DIDN'T GIVE THE STUPID MF'S A CHANCE TO TELL ME ANYTHING!!!!! I KNOW THIS ALL TO WELL!!! IT IS A SHAME!!!! DO NOT GIVE THESE MF'S YOUR INFO. IT MAY SOUND REAL JUST A LITTLE BIT BUT IT IS NOT!!!!! PLEASE CONTACT FEDERAL TRADE commission !!!! DONT BE SCARED!!!!

I was googling this number and the name of the company while i was on the phone with the effin dummies!!!! Damn right i hung up on them!!! This is a shame!!!!!

I have recived calls from this company for over a year now, i know that they are scam artist just trying to get me to give them my info so they can take any and all money form me that i have left. I think it is funny that they keep telling me that they are going to come to my house and serve me, and i am still waiting, they keep going to an old address i used to live at over 4 years ago, and i know the people who live there and no one ever came to there hosue to serve me. I have never taking out any loans from any cash advance loan place, nor ever had the last name of smith, i am going to keep waiting for them to show up, and when they do i am going to calll the cops and have them arested for harassment, I laugh in there face ever time they call me.

If anyone can become a collection agency why wouldnt everyone do it?
The answer is because they can not. Collection agencys exist because they are funded by banks who consumers like yourself have stiffed on the money you owe them. No one forced anyone to ever borrow money from them. It was a choice that you made and also the choice not to pay back the money like you had originally aggreed to. If you want to see collection agencys disapper pay your bills on time and then there will be no need for them. Dont hate people because of mistakes you have made.

to the douche above me.just another humanoid post trying to cover for a complete piece of fetid garbage.back to the phones drone.check resolution is the epitomy of collection wormslime.

Wow I can't believe I got all round up for nothing. This guy kevin just called stating the same exact charges as mention above, but used 831-607-4533. I told him I was going to call him back in 2 hrs to provide him with my info. So glad I looked into it. So what do I tell him besides the dummping letter?

as long as you know this is a bottomfeeding piece of crap.use your imagination,but keep it clean okay.just let him know he's getting nothing from you but contempt.

There is a post on here talking about "it's your own fault if you don't pay back your debts....." No one on here that actually owes a debt is actively trying to NOT pay. At least for the most part. What we are complaining about is the tactics. The law is the law, and if they were truly legit they would follow them to the letter. With that said, I too have recently run into these people called "National check resolution". They called my fiance' and scared her into giving a pre-paid debit card (my advice) with the same tactics of "your're about to be served unless you call..."
Well, I asked them what the call was about this woman tells me it is for a check written to check n go, written in 2006. First of all, we have never taken a PDL from them, ever. (however, she has had some issues with identity theft, and our experience with this is sobering to say the least but that another story) Second, they promised to send written proof of the check, specifically i asked for a copy of the check. She agreed to everything while asking for the account info. If it had been me they were after, I would have blown them off, asked them to verify my address and tell them to come on by and i will have the police there to legitimize their server and have him arrested for violating KY law.
But, i was denied my chance to play, my Fiance' was freaking out, so i gave them a a pre-paid debt card that still to this day has a zero balance. And repeated the conditions of agreeing to pay. Nothing ever came in the mail. I have emailed them several times with no reply. last friday (over two weeks later) i got a letter with payment terms listed but no information about check.I took the time to look into the matter further.
First they cannot serve you in this manner, and no process server would call you anyway.
Second, a legit debt collector would not divulge any information regarding YOUR debt to anyone else in their attempt to contact you. It is against a host of privacy laws.
Third, its civil, not criminal.
SO, with that info, I have checked the laws concerning recording laws here in KY, and have decided to forward her calls to my google voice account and then have google voice forward the calls to her cell phone. For those who don't know, google voice allows you to record your conversations, just press 4 when after you answer the phone. The recorded message will be stored on your account. Downloadable to boot. ;) I think i will let them spew their BS for awhile and then inform them they are being recorded and then ask them questions aimed at the BS they just said. Should be interesting, and i will then send this to the AG and whoever else needs to be contacted. Today the first payment was to be made and they called her however she didnt answer. I am going to get this set up asap and see how their tune changes. I'll let you know how it goes. Seems I get to play a little after all. :)

This is in response to submission 233 and 234......Let me get this straight...So your saying that when anyone calls and says "you owe this, pay me now or your going to jail and the summons is on the way as we speak if you pay now i will have it cancelled, you have to make an arrangement now, this phone call, or your going in front of a judge and go to jail, the server is on the road now, ...."
you should just get out your wallet and start tossing dollar bills their way?.... really? without demanding proof? And when they say they don't have it, or you don't have time for mailed proof, that's ok? Oh, and they don't have to provide address or any kind of traceable information. Never mind if you happen to be the ones who never took out a PDL in the first place. A lack of proof is laughable.
It appears you think this is ok and In that case, my name is Kevin, you owe me some money please pay today or i will have you served. No you cannot call me back, you must make payment arrangements now. No I cannot take mailed payments (that requires me to give you a physical address) only credit card or ACH
Tomorrow, i will call for another company and my name will be Thomas. I will demand some more money. Just giving you a courtesy call in advance, so you can get your finance's together. I will already have your account info so you won't need to provide that. :o
Dont ask for proof, i don't have time nor the inclination to provide it. after all, "Too many debtors use it as a convenient way to buy time, delay paying anything or just as something to hide behind." Those are your words.
It's not buying time, its validating the debt. Why should I pay just based on the word of someone that dodges all attempts to get proof of debt? And only responds with scare tactics to boot!!
As it was so eloquently said "Go back to the phones"
...your getting paid to break laws... not surf the internet.
It's that or you a seriously in the "most gullible idiot" category and need help.