Taylor James and Associates threating legal action

Hi MichaelMoneyLine

We are glad to have you in this forum.

It is very nice that your company does not sell the debt to the collection agency. But still, some collectors want to make easy money and this is done by torturing the consumers. I think you should seriously review the activities of Taylor James.

There are numerous consumer complaints against this collection agency and they are believed to be using fake names for running their business. Most of the people have shared their experiences in this forum and they believe that this company is run by Ted Crosby. Have you heard something like this?

I would like to restate that after my original posting, James Taylor and Associates contacted me after being made aware of the posting. During my dealings with them I discovered that I had already paid MoneyLine off. I contacted James Taylor and Associates and faxed copies of the payoff. They then contacted MoneyLine, who then emmidately contacted me to appoligized for the mixup. While the original call I recieved was unpleasant, all other contact with them was very polite, courteous, and timely. I have dealt with some other CAs who were horrible, but I feel that my experience with James Taylor and Associates was professional and polite. I don't know that this helps, but I felt that since I had done the origianl posting that I needed to tell that my issue with this company was resolved quickly and professionally.

Ben,

Yes, I have heard of Ted Crosby and of all of his antics. Someone like that has no business in business if you know what I mean and I trust the Attorney General in Florida will give him what he deserves. I only posted messages on this site because I felt that these guys, Taylor James, were and are trying to do things right. I probably will not respond again to anyone on this site but if any debtors have any problems with them I would sure like to know as it only puts an even a dimmer light on my company and the payday loan industry. My toll free number was provided eariler.

Michael

MichaelMoneyLine

I think it is great that you are interested in maintaing a good rep. I believe you are the person who contacted me to apoligize about the mixup. It is nice to deal with people who treat me like they would want to be treated. Thank you.

So mikey would you like to explain to the consumers in this forum how you are able to obtain ip addresses.. I thought that posting on this message board was confidential but it seems that must not be the case. Were you provided this information from debt consolidation care or did you purchase hacking software to obtain info,either way you will handled thru the proper authorities. But what should frighten the people going online for help most of all is that you (mikey)can get this info (however you obtained it)...
That is scary!!!!
Remember your comment: if we don't help ourselves,including each other who will. Well maybe just maybe consumer's should be careful when asking you for advise. By the way mikey ,do you know what the word slander means. You might want to look it up,all of your postings have been printed and forwarded to whom they may concern, and now a little research will be done on you.

Your full of it. Anyone representing a website, such as a moderator can be granted rights to the management software and as such access info, including IP addresses for the purposes of maintaining system and site security

Moderators have the exclusive rights to take control of the forum in the most efficient way. They do things that can be helpful to the forums and that is nothing scary!!

The scary thing is the collectors trying to invade and spread their fear in here

You are right jj and john. Moderators do have certain technical rights because it is necessary for the maintenance.

I think all of you are aware of the fact that spammers are using this board like anything for last few days. It has been possible because this site allows to post without registering here. The only way to stop it was blocking the source. That is the reason moderators are offered certain rights, have a look:

http://forums.debtcc.com/forums/about4728.html

Consumers, debt consolidation care is conscious enough about your privacy. So there is nothing to get scared. This is an open forum; all of you are just giving feedback and no one is lying, right? Those will get frightened of being tracked who are stating false purposefully.

Again this is an open forum; everyone is welcome here to post their views :D

True you do have technical rights to the web site that is not the issue here, nor is giving information to people who need help with there debts.validation is key and the consumers rights under the fdcpa should be followed at all times.
The issue that has not been addressed from any of the moderators is the very slanderous comments that have been made from ben,roxette & mikey to name a few, to advise someone to not pay a company with a valid debt or to spred rumors that there are multiple complaints with the attorney general,better business and the federal trade commission without researching prior to the post is slander, misleading at best.
Please see repost from kathryn jan 5th.....
There is no question that there are bad c/a's out there who threaten arrest and misrep themselves as law enforcement, and i would suggest to anyone who gets a call like that to say i'm on the other line and to get a number and call back and try to record the call (1st check with your state for the right to record without consent) texas can be done without consent.for the consumers reading comments, please take the time to read the fine print in these agreements for payday loans before you have the $$$ put in your account,to understand what you are getting yourself into if you default the loan. 90% of the people never read the contract. There are alot of people who take out a short term loan with the clear intent on paying it back and then have a hardship. With that being stated there are many people who go online take out as many payday loans as they can and then close thier bank account with the clear intent to defraud these companies that are there to help honest consumers. Maybe thats why the interest rates can be so high. The same with credit cards,if everyone paid thier c/c's interest rates would be low but consumers don't, they default, they file bankruptcy.... Which in the end gets passed back to the consumer. Final note if you deal with a collection agency and you feel you are being mis handled, if they are legitimate ask to speak to a manager or the compliance manager(that would be the person who would handle all fdcpa violations)again if they are legitimate and possibly they have a bad apple and it can be proven, then appropriate action should be taken from the c/a, regardless if the debt is paid or not i hope this will be informative for any consumer who signs in to this forum.
No your rights

Looks to me like an employee is once again defending their company. Why is it when the heat comes down, they come in here and through their weight around.

No one is trying to throw weight around, please read the post again. We want to help provide information to consumers who have been misled. Again if you have been threatened ask for the name of the original creditor, try to make contact with them directly to validate the debt and make sure C/A does represent them and file the proper complaint with the Attorney General.

Why should we contact the orginal creditor to see if you legitimately have the account? If the collection agency claims to it, they should have no problem validating the debt.

I have to be honest. I came onto this site looking for help/advice or the like. Unfortunately I had to rely on some of these payday loans to get through a very difficult few months with my husband unemployed for almost a year. I wound up becoming a victim of a scam cash advance company who wound up draining my bank account until it had to be shut down completely and a new one opened up. Your right. It seemd hard to get in touch with some of these payday loan companies but I managed to contact most of them and let them know what happened and set up payment arrangements to pay them back and I was in no way trying to get out of paying but fell victim and the account had to be shut down. So far every payday loan company and CA involved was suprisingly helpful. I realize my responsibilities and as can be seen from my history am doing everything in my power to clean up this mess as quickly as possible. There was one collection agency I cannot get hold of and will not respond to me. I am so confused as to why because all I want to do is give them their money. I believe Taylor James & Associates is now holding this account as I have been in touch with the others and made arrangements and have been playing phone tag with Anthony Edwards but dont even know what to think at this moment. I hate this because I dont know what postings I should believe. And whether when I do finally get in touch with someone at Taylor James if the money will go to the payday loan lender or not. I have not been subject yet to any harrasment because I have not been able to connect yet but am making all efforts to do so. I just want so badly to get these taken care of. If someone knows Andrew Edwards or if someone at Taylor James can assist that would be great because I just am at a point now of complete confusion. I am not so worried about the harrasment and scare tactics because I actually went through this over the summer with another CA/lawyer who used scare tactics and went to a FCPA Attorney and was suprised how quickly the table was turned and wound up winning a law suit because of the unethical means they used to collect. So if you are able to find a good FCPA Attorney, then definitely dont let these scam agencies get the best of you. There are laws in place for a reason and they need to abide by them. A legitimate CA will work with you to get the money owed back I have found and have no hesitation at all in faxing/mailing proof. So I dont know. Hopefully Taylor James is as willing to work with their clients as she stated. Because that is all I want to do. Find a solution ;-) Its just hard to try to come to a place like this for advice and see others abusing it and leaving people like myself even more confused in the end.

Nancy, don't worry too much. I think you should contact your original lender because they might have assigned Taylor James & Associates to collect the debt from you. If they have not sold the debt to them, you can still make payment arrangements with your original creditors. They might even accept the payments because after all, you approached them showing your responsibility to pay the debt. Tell them that you are not comfortable on working with Taylor James & Associates because you have heard lots of complaints against them. Check the BBB website for information on them. Your lenders might be willing to work on your accounts if you are dedicated towards making the payments. They might even extend some benefits to make your repayment process easier. Remember, these benefits that will be offered to you are just because you have been dedicated towards the payments. If you hurt the plan, I fear they won't be available again. Once you have paid the loan completely and your CR is updated with the CRAs, don't ever take a payday loan again.

JOHN is it possible that since you work for this company, can you provide a phone # to contact the corporate office,the only # that was provided is 415-738-0509 and you can never get thru on that #. there must be a # that can be provided from one of the many moderators that post on this forum. for some reason there is very limited information about this company except #'s that consumers can call to other companies that this website uses to produce business for debt consolidation which does charch a fee for the service
thanks look forward to your reply

Am I working for this company, my dear friend??? :roll:

Does it seem that anyone who posts in this forum is from the company? I am just a member of this forum. The number to call someone of this company is up there in the left side of the window. 800-601-1579.

Thanks for the number. I apoligize, I thought you were a moderator.

Not a problem!! :D There are many other people like me who participate in the forums. Those who work with debt consolidation Care have their company's identity in the posts.

hmmm lets see this is a member forum?, the mods are (if I am not mistaken) member moderators. What is your axe to grind dude

Yes, I know moderators are also not from this company. It's quite evident in Mikey's, Roxette's, Bryan's posts.

When did debt consolidation care get involved in it since no one from their company came?

Hi,

I am Vikas, helping the debt consolidation care community with an open platform for debates and discussions on various debt related issues.

Moderators can check the IPs as they sometimes have to ban evil IPs :twisted: . We are here to provide a platform which can be used by debtors, creditors and the CAs for a better experience.

We encourage everyone to pay their debts but will stand against any right violation. When I say ???we??? I mean ???the community??? not the company. Debt Consolidation Care is just providing the platform and the views expressed are purely from the community involved including myself as a community member.

I am happy to say that this site has helped many understand the real problem and also has exposed many fraud cases. We will surely like to continue this unique service offered inline with openness.

We appreciate your suggestions and feedback.

Regards,
Vikas

Thanks John. I actually have been trying to contact the original payday loan lender with absolutely no luck. I never knew any company to be so hard to get hold of. Luckily I have my bank backing me up as many individuals where involved in the initial fraud I fell victim to and have been sending letters to any creditor affected due to the initial bank account closing due to fraudulent activity and making sure it does not reflect negatively on me. Strange enough, I received a call about oh I would say 30 minutes after I posted on here from an individual at Taylor James stating they where told of my concerns. He seemed very pleasant and professional so we shall see. Unfortunately I had to run to an offsite meeting right as he left the message so will speak to them this morning and let you all know my take on this organization.

Nancy, check your latest copy of the credit report from the three bureaus and see if the original lenders have reported anything in it. If they have, you can get the their address details from the CR or from the bureau that is reporting this account.

Just wanted to post an update. Just finished speaking with Shelby Guy at Taylor James and worked out an acceptable payment arrangement. No harrasing, threatening or the like from him. As he stated, unfortunately there are so many individuals out there who get these payday loans with no intention of ever repaying them that it sets the tone for the honest people who either are having problems financially or have other circumstances that prevent them from immediately repaying the loan. I completely understand and was just happy that he listened and understood my situation and that I was NOT one of these individuals and was doing nothing but trying to make good on my commitment. He also lended some very good advice and I truly believe Taylor James & Associates is not a scam CA but fell into the mix and the postings are now scaring everyone from just calling and working with them on payment. Avoiding these debts is honestly not going to make them go away. It will only make things worse and wind up costing you so much more money in the end and damaging your credit worthiness. Please believe me.

How are they accepting your payment? Is it by Western Union or Money Gram?

Western Union. I also spoke with Flexible Money though and verified the legitimacy of Taylor James and that they are using them for their collections and they will confirm with me once they receive the money.

I also wanted to note that Taylor James did verify the debt without hesitation as well as the original creditor. I just hope this helps those that are scared to call them, etc., and wind up getting in deeper.

Nany, I can exactly understand what you are trying to say with your post. I am assuming that Taylor James must have given you the debt validation details and you have reviewed it properly before agreeing to the payment. The company will also be updating your file with the CRA after you have paid off the debt. If the company as well as you is aware of the legal lines in the fdcpa, it is better to pay off the debt so as to improve your credit worthiness. I hope Taylor James will be coming up with such accurate account details to other consumers as well. All the best.

OK last post I promise but also wanted to note something they said. They wanted to confirm with me that if I had other outstanding payday loans that had been turned over to a collection agency to please know that the worst that can happen is a civil suit to collect the money owed. This kind of debt carries no criminal weight and if they threaten criminal prosection that is illegal and wrong. The worst that could happen is you say you wont pay and the CA turns it back over to the lender to let them decide how they want to proceed as any normal CA would do. So please dont be threatened by these collection agencies that threaten anything of the sort like this. It is against the law and cannot happen. I hope this helps to put some minds at ease.

John. Yes and Shelby made me aware that once payment has posted, my account will be cleared and updated across the board. I just want to get the message out there that doing something is better than doing nothing. The one thing I have learned in life is ignorance is hinderance. Honest to god. Even calling these creditors back and talking to them shows you are trying. Ignorning them just makes you look guilty and as if you are trying to avoid something. I once had a creditor tell me that even paying 10 dollars a week makes all the difference in the world rather than going months, even years doing nothing. I know what its like to live paycheck to paycheck and not have the money to pay debts off in full. If I could do it over again, I would have at least worked with my creditors to pay something to avoid getting my credit completely screwed up.

can you please provide a physical address & phone # to your company,no one else seems to be able to do so. and since you are the site administrator i would think that you would want to address the issue of the moderator's (roxette,ben & mikey)making slanderous comments without researching anything first. could you please address the issue, iv'e noticed that roxette ben and mikey have all went into hiding.....or maybe just using a different sign on..............look forward to your quick response on slander.............

Hey Moderator Stopper, I came up with the contact page of this website for you.

http://www.debtconsolidationcare.com/contactus/

physical address for service and phone #......vikas where are u when someone needs help

Taylor James is fishing for information. Make sure they are licensed to collect in your state. You can find that our through the Attorney General's office in your state.

moderator stopper, what is your problem? you have got something against people talking about fraudulant practices of the collection industry? What do you have against this forum?

Moderator stopper, no offense but don't shoot from behind the wall. Be a sport. Do a community sign up here and let's talk straight. You won't have to spend a penny. Why are you reluctant to sign up when it's completely free?

I just read in the posts of Nancy above that people in Taylor James are very nice to deal with. Well, let's talk it straight, dude. Sign up here and let's see what is wrong in between.

moderator stopper, give it a rest. No one here is scared by you. as for yoru threats....can you prove malice ...heck can you even define malace. I know, what is your resume like, what are your CV

Once again jj... Address the previous postings... Making slanderous false statements.
No one including the administrator of this sight wants to discuss that....but copies have been made of ben roxette and mikey's comments...there is nothing wrong with helping a consumer....but when allegations are made by moderators on this sight that do not know the facts... If this truly is here to help consumers then why would you not research before you tell a consumer that there are multiple complaints with the bbb or the attorney general. Instead you try to get them to start complaints. If it is a valid debt you can complain till the cows come home but you will still owe the debt.
Once again vikas,roxette,ben and of course mikey where are you now???????? You seem to be able to respond to everything else!!!
And answer this per vikas if the moderator has access to the ip addresses of people posting then why ,did the moderator respond that he was not affiliated with company??? It's seems very strange that roxette,ben and mikey have vanished but now we have david,john mom of twins and jj (quote from jj)what is your axe to grind....once again its called slander
Just a matter of time before your ip's will be obtained. And then lets see if this website will stand behind your comments

Please provide screenshots: By Vikas

Quote:

:twisted: :twisted:. YOU CAN NOT LEGALLY OBTAIN THE IP ADDRESSES. As of now you are threatening people and I think there are people who would be interested in your postings. Quit hiding and let us know who you really are and quit protecting the trash. Also, this is a free forum to discuss our problems, not have to deal with a**holes like you. Your problem is that you are trying to protect a company that is doing people wrong. BTW, I really don't think you know what slander is!

No one is reluctant to sign up, as a matter of fact, I appreciate your professionalism unlike some the others, i.e- JJ (who is clueless to the facts). The facts being slanderous comments by moderators who damage a company's reputation without proper research. That is my axe to grind. I will be signing up and hopefully the website will tighten some regulations on the moderators and some the advice being given.

Why do you have a problem with this site? Is it because it exposes the truth? We are entitled to free speech. Do you think they are going to tighten up because of you? I don't think so. All the people are doing in here are asking questions and looking for guidance and we talk about our experiences. No need to get all uptight. If you don't like what is being said then quit coming to the site.

Mom of twins do yourself a favor and research the company and you will find there are no complaints with the Attorney General and Better Business Bureau. The issue here again are the slanderous comments...even yours.. " a company that is doing people wrong."

Please read the postings and get off the bangwagon of trash talking a company you nothing about. Please read Nancy's comments , please read Katherine comments, please read the posting from a Taylor James client.

Moderator Stopper,

First of all it is "site" and not "sight".

Secondly, how do you like my postings, for example:

http://forums.debtcc.com/forums/afs-punished.html

The above is no slander and it is a fact in the news that the above collector was suied and lost in the lawsuit for its violations. How do you like them apples, Moderator Stopper? :lol:

Mom of twins,

What happened to the posting that is no longer here.. the slanderous comment that you made.. for some reason is no longer on the site, it has been replaced with a cleaner version.. negative postings do no one any good. By the way the slanderous comment was printed before removed and put in the file with the others slanderous comments.

Keep things clean on site! Do us all that favor!

That's great you sued a collector... feel good about
that... but do us a favor and educate yourself on this "site" before jumping in with a news report unrelated to this discussion.

Congradulations on your lawsuit, keep recording calls lets catch those (collectors) that are in the wrong.

P.S- if a debt is valid and you owe the money ... PAY UP!

Moderator Stopper,

First of all, I did not sue the collector, the Attorney General of Minnesota did (that's of course if you are not too ignorant to know who an AG is).

Secondly, to me, any collector that violates the law is the same, whether it be Arrow Financials or Taylor James. Ya'll the same to me! :twisted: It's just a matter of time before you get busted by an AG.

Every CA I have dealt with has broken the law one way or the other: harrassing debtors, re-aging accounts etc etc. Of course I will be biased toward consumers who make complaints. So let's take it to an unbiased judge and jury and let's see who will win. So far people like you have lost! :lol:

P.S. Remember a valid debt does not mean the CA can break the law. PERIOD. Oh boyI love to bug losers like you in retaliation for all the harrassing phone calls you and your buddies make for collections! :lol:

Yes I do because they violated the fdcpa laws. I never slandered Taylor James & Associates. Keep up this talk and you will be facing a lawsuit. Once you have posted on here, you CAN NOT ERASE IT! You never copied anything and I think my attorney would be very interested in your comments. Keep up the threats. I am getting a great laugh about you.

mom of twins,

This guy is cracking me up! :lol: We need jokers like him on this forum every now and again.

He is so hilarious! :D I think all he has to do is comb through the postings and complain and make everybody think he is high and mighty. Who knows its probably Ted Crosby.