Income Recovery Services INC

First of all any collection agency that would call you with bogus threats are probably bogus themselves because they are breaking the law by threatening you with crap they have NO legal power to do! They can NOT file criminal charges for owing a debt, and they have zero to do with you keeping or losing your drivers license. That's just outrageous. The next time they call you tell them they only have 5 days after their first initial contact to send you a dunning letter via USPS. I wouldn't give them ANY information, not your address, your employer, NOTHING, and least of all ANY of your banking information. Do not pay this collection agency one dime until they PROVE this is your debt and they have the right to collect it! Let them threaten you all they want, believe NONE of it!!

I was fairly sure that the company was legit. My main concern is taking care of this so that it doesn't come back in another 3 years. Any suggestions

What was the name of the original lender?

By the way, they may be legit but that doesn't make what they were doing (making bogus threats they can't possibly follow through with) legit. They are breaking the fdcpa when they threaten consumers with jail time and license suspension. :shock:

The original lender was Advance America (storefront). The agency that I spoke with today is "Income Recovery Systems Inc" the phone number is 888 228 7519. I have tried calling them back several time on the extension I have and have received a message saying that person is on the phone. When I tried to get to the operator I got another message that they were away from their ext and to please leave a message.

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I would request a copy of a signed contract (signed by you) stating you borrowed this debt, I would also request that they get some type of proof from the original creditor (on their own stationary) that this debt was turned over to this collection agency. This company (Income Recovery Services INC) violated the fdcpa laws by calling you and threatening you, if you had recorded that phone call (providing you are a one party state) you could have taken that recorded call to civil court and sued them for FDCP violations for up to $1000.00!

The agent is supposed to send the paperwork to my email. How do I get a physical address to send the debt verif. letter.

when or should i say if they send you the dunning letter.it should have the address of this CA.shazzers is right,agree to nothing until you see something in writing.no physical address no payment.shazzers is also right when she said they can't do anything they threatened.i personally wouldn't speak to them again until they send you something in writing.

can a dunning letter be sent thru email? I am positive they do not have my current physical address.

i would talk to them one more time.verify they have your correct address.if not hang up and don't speak to them again.a dunning letter is sent by us mail only.if they don't have your proper address chances are they don't have any right to collect on this.advance america more than likely wrote off the loan and these buzzards are trying to strongarm easy money out of you.

I will continue trying to reach them via phone, and will post with my updates. Thank you to everyone for your help

i doubt they will send anything,but if they do actually e-mail something let us know.also when they call again.don't answer just make note of the phone # on your caller id.maybe we can find this place that way.

i have the phone number as 888 228 7519. When I called the number back the first time and spoke to the agent i was able to get through with no issue. Now I am ubable to get through, I continue to get a message that the ext is on the phone and to leave a message. I hesitate to leave a message because I'd prefer not get calls every day.

I googled that number, looks like other folks are receiving similar phone calls from the same number, only they are giving out a different CA name, If I were you, I would be mighty careful about giving out ANY personal info to these people, it's sounding more and more like a scam of some sort. If they were legitimately collecting from you, they would have followed the FDCP to begin with, that alone is a BIG red flag. Read the comments below from another consumer who received a phone call from the SAME number you posted here.

I would do everything you have been advised to do and also call Advance America directly to see if they have any record of an account under your name. If you owed them anything, they wouldn't wait two years to go after you, I guarantee you. They can be royal pains in the butt to deal with, as I know through personal experience with them.
At any rate, Advance America would at least have a record of your account being turned over to collections, if that was the case.

Well they called me today and i was under the impression that they were the internal reveune office. Then when i found out she informed me about a payday loan dated for 07/29/06 i asked several questions and wrote down everything because i could hear in her voice that something was up. she stated that if i did not pay the money the attorney Patrick Cordert would file charges one a misdormenor for breach of contract and a felon for Malicious attempt to defraud a finanical Instuation. she stated that the total was $900.00 I asked why she stated that included their fees. I asked what fees she stated $300.00 for attorney fees for looking for me/research. I stated why do i have to pay attorney fees and we have not gone to court. I may when,. she replyed you took out this loan and signed a contract also agreeing to pay 93% intrest rate, and they took it off however they have the right to add it back on if i refuse to pay them. I asked her what the sattlement offer was she stated the same amount of the loan $577.00 for today only. I told her I was going to seek legal advice and call her back I also requested the mailing address which is 4248 Ridgelea, Amherst NY 14226.

I recieved a call from them saying they are from IRS inc too It may be legit I highly doubt it though. They are using scare tactics to get money. They told me to buy a prepaid card and that they were an attorneys office. Again highly unlikely. My advice do not pay they cant legaly take criminal action against you. I am taking the email they sent me to the police. The address is 4248 Ridge Lea Suite 30 Amherst, NY 14226

I received a call today from this same number, asking me to call back or they will begin proceedings immediately. I tried to call back and dialed the extension they gave me and got an error message. Then I called again and just tried to get to the operator and got the same busy message. They called and left the information on my cell phone and my husband's cell number; what if they weren't our numbers anymore? Can they legally do that? Does anyone have more information about these people yet?

i to received a call from these people stating they were calling from IRS. when I tried to call the 8882287519 number ext 204 i get a recording that the person is on the phone. They left a message on my voicemail that papers have come across there desk reference fraud with my name and ss number attached. They also stated that if I did not contact them or have my lawyer contact them they would start proceedings through my county

i reallt dont know what to do and am needing to find out if this company is really legit I have not received anything in the mail and this is the first phone call that I have received any suggestions

Screw them guests.

The next time they call ask for their mailing address. also tell them they have 5 days to send you something in writing. If they fail to give you a mailing address, forget them. Also if they refuse to send something in writing, tell them you are calling the attorney general and are filing a police report against them.

This is a scam. I get periodic calls from this same number (888-228-7519). They ask for someone by the name of "Rans Parker", I have no idea who that is. I've told them countless times they have the wrong number. They can never give me a clear explaination of who they are. But they won't stop calling. This has been going on for months. Beware of these people.

Has any one reported these people to the Better Business Bureau? I just reseved a similer phone call, and got the same runaround.

can they take it out from your wages.

Please provide more details of your situation.

so everything i have read is exactly what is going on with me i am getting my credit report and if it is on there then going to have an attorney contacted them!!!!

I received a call from these guys today, concerning a legitimate debt that I have for a payday loan from CashNet USA. I was nice to the caller & he was nice to me. I explained that I didn't intend to default but had been laid off & then forgot about the debt & that while I would be happy to get my debt paid off, I can't commit to anything without talking to my husband first because I just recently was laid off again & we don't commit to spending large amounts of money without discussing it with each other. At that point, the guy, a "Investigator Rogers" changes his tone, tells me that I have to make a commitment today (within 20 minutes to be exact, as that is when they were closing). He said he is from Buffalo, New York & they close their office soon & this offer to knock off $100 off my $350 debt is only good today. He told me he does NOT work for a collection agency & that he is NOT into customer service, but that he is calling on behalf of an "attorney" who bought my debt & that he is doing me a favor to try to prevent me from having legal action taken against me & he can't be certain he can spare me this legal action if I don't act today.

That alone was a huge red flag. First off, debt collectors are supposed to identify themselves as such & they are supposed to state that this is an attempt to collect a debt. This man never did that. He only said he is NOT with a collection agency & that he is working with an attorney who wants to take action against me. Second, when I told him that I would need to talk to my husband before committing to anything, he told me to call him. I told him that my husband had been in a meeting at work & that he was now on his way home & I couldn't call him (here in California, it's illegal to talk on your cellphone while driving unless you have a hands-free device, which my husband does not). At that, the man became agitated. He told me that I could make the payment & they could hold it for a week so I could talk to my husband & if I decided to pay it at the generous offer he gave me, then it would be processed, and if not, it wouldn't. I then told him I wasn't comfortable giving out my debit or credit card information over the phone without proof that he was legitimate. At that point, this "man" became irate and began yelling at me, and telling me that he was deeply insulted that I would call him a thief. I told him I never called him that, but that even the police departments and fraud protection agencies strongly discourage ANYONE from giving out their financial information to ANYONE who calls over the phone requesting it because that is how people get ripped off. Instead of understanding my very legitimate concern, as an LEGITIMATE agency would understand, he became even more irate, began telling me that I had a bad attitude (I was actually very friendly, cooperative & polite & was willing to work with him as long as I could receive proof in writing that he was who he said he was). Each time I tried to speak, he rudely & loudly interrupted me & wouldn't let me speak. I then told him that he fit the stereotype of the rude New Yorker & he said he was from Florida & was working in Buffalo, which was nowhere near New York City. I told him it didn't matter because he was living up to the stereotype anyway & that he might want to take a lesson from us in California about being more laid back & friendly because you get more flies with honey than with vinegar. He began to cuss and scream at me, he threatened me with legal action & told me he couldn't protect me anymore. He then told me that I could go ahead & hang up on him & I told him that I wasn't going to give him that satisfaction because I wanted him to talk in a civil manner with me (at this point, I was taking on a bully & I wasn't going to back down). I asked him if he was even capable of being polite & being a gentleman & listening to what I had to say without interrupting. He listened to me after that, & I very politely explained to him that I already acknowledged that I owe the debt & am willing to pay it, but that he needs to understand that he is a stranger to me & that without proof that he is who he says he is, I can't just give my financial information over the phone to a complete stranger. He then said, "what do you want, a letter or an e-mail from me?" and I said "actually, yes, that would be nice, so I can check out your company - if it checks out, then I'll see what I can do to take care of this debt". After that, he said nothing more about giving me the proof I asked for & in fact became more abusive. I told him he was being verbally abusive & I was going to report him. He said "how ya gonna do that when you don't have my number?" I said, "wow, for a person who isn't a New Yorker, you sure do have that pushy New York bully accent down" then I said "I have your number". He said, "is it on your caller ID? Tell me what it is?". I said "I don't have to tell you - just know that I have it" (it wasn't on my caller ID, but it was on the voicemail that he was leaving when I picked up the phone thinking he was from the actual Internal Revenue Service). I then told him that I had my own attorney & that his "attorney" didn't scare me & that I WILL pay my debt, but not through him because he was being an abusive jerk. At that point, he told me that I was the abusive one & he told me to blow it out my a*s, at which point, I said "we're done" & I hung up on him.

Per the FTC, a debt collector cannot be abusive or threatening, which this guy was. They can't try to force you to pay something immediately in order to avoid unpleasant ramifications. I am in the middle of filing a complaint with the FTC right now. I can see from other posts that the number this guy gave me, (888) 228-7519 is worthless, but I'm giving that number to the FTC just the same. This guy doesn't scare me. I know he has no power to do anything. I will pay my debt on my own, on MY terms, as I am unemployed & have to keep a roof over my head before I have to pay back a debt to a company who uses sleaze-ball collectors to do their collecting. Legally, this guy & whatever company he represents has already broken the law in the abusive & threatening way he spoke to me on the phone (he refused to tell me what TYPE of company it was - he only said he is calling on behalf of an attorney & he said he does NOT work for a collection agency, nor is he in customer service - a fact which was obvious by how he conducted himself). He doesn't have the power to do anything, so I will do nothing. IF I get something in the mail, then good - I will take that to my local FTC office or attorney general's office & file a complaint with that information IF and when I receive it. It may seem like a waste of time for me to file this complaint with the FTC, but the more people that do so, the more likely this slimeball & the others who work with him, will be stopped from victimizing others.

you are so right.file FTC complaints above all else.eventually they will take action,but they need a certain number of complaints.

I had a fairly similar experience as Cari, but with much less yelling and name calling. I vaguely remember taking out a payday loan from Advance America a few years ago (Leah Simmons is the one who's been calling and I spoke to her at first and she gave me all the info I needed to verify.) She asked me to hold and then a Travis Rogers (who is apparently the Director of Operations) got on the line and tried to strongarm me into setting up a payment arrangement ("today, I can't guarantee you this offer will be available tomorrow") He said that his business was a legal office, that they had purchased a portfolio of debts that they were now trying to collect on (but they are not a collections agency.) First of all, I don't see how this can be legal. Second, supposedly if I don't take care of this matter through them, they will go through the Benton County (OR) court system and I don't see how that can be legal either, this is/was a debt. What type of court system are we talking about here, criminal? If they are implying that they could at some point garnish wages, isn't that illegal too? Exactly what power does this business have as far as that goes? He refused to send me anything in writing unless I set up a payment arrangement first... Anyone else who thinks they did at some point have a legitimate debt and has been contacted by this company, has it been resolved? What have been your experiences since your post? Thanks...

Income Recovery Systems employees Travis Rogers has been calling me and has been usiing really foul language and has been really threatening towards. I call back to try to speak with a office manager and the manager is just as rude. I think I will be filing harassment charges on this company

Income Recovery Systems employees Travis Rogers has been calling me and has been usiing really foul language and has been really threatening towards. I call back to try to speak with a office manager and the manager is just as rude. I think I will be filing harassment charges on this company

My elderly mother has been receiving voicemail messages from an Aubrey Murphy at Income Recovery Services Inc. for a male subject. I have called Aubrey Murphy on two occasions to let her know that the person she is looking for no longer has that cell phone number and to please stop calling my mother and upsetting her. It quickly turned ugly with this Aubrey Murphy (I was going to say lady, but she doesn't have an ounce of lady in her.) I called back to speak to her supervisor and was treated just as ugly by that male person (again, he doesn't deserve to be called a gentelman). I just simply wanted to have them remove my mother's number from their files, as they obviously had the wrong number. What kind of company is this?

Me too! I absolutly dont knwo what to do.. i have these payment arrangements set up right now, and now i have no idea if i should go thru with it, i almost dont want to now after reading all this. the debt is legit.. but i dont know if they are. i never got any paperwork from them, but i am scared if i dont follow thru they will garnish my wages. they called me at work so im sure they have my work information and i believe i qualify for a 101a wage garnishment (i used to work in collections a long time ago, for unsecured loans, HFC Beneficial, the checks that come in the mail and when you cash them you have a very bad loan to pay back. we could do 101a, wage garnishment if a few qualifications were met.) i really need to know if i should make a payment to them or not.. i want to, i would like to pay off this debt but after all these bad things i am reading, plus on other sites too and they mention Travis Rogers and Aubrey Murphy - the lady i have been talking to, i am not even sure if this will actually credit the loan and pay it off/take it off my record. what should i do??? i think i might just have to go into the walmart or something and make a money gram, and then go from there. from the very beggining i was very nice and pleaseant with them, and they were back with me, even tho Aubrey was a bit of a bitch no matter what.. i dont want to loose that and possibly screw everything up as far as the payment plan they offered and the flexablitly they have shown me.. this has ruined my day.. any suggestions???

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well i recently spoke to an andrew jackson he was very professional and he gave me an email in reference to the debt also gave me a very nice settlement on a $800 balance and gave a sif of almost half i jumped on that and paid it off also he gave me a recipt letter through my email stating my debt was paid off now that im looking at all this im wondering if i did a wrong this their number was 1888-228-7519 they go by IRS inc i did ask what that stood for they said income recovery systems. plus i remember owing the debt so i didn't even think twice i mean they had all my personal info including the check i wrote to advance america and my name wit social, my address, the reference i listed. and if i recall i don't think think he threatened me at all maybe they have got enough complaints and turned their business around. what do u guys think?

hi, I just recieved a phone call from these guys too, threatening to take me to court for a payday loan that I don't know of from 2005.. they said they would file charges on me, unless i paid them right now. after reading this i would really like to know the resolultion i'm rather afraid of these people, please let me know. thanks

-Krishawn.

well dan's case is extraordinary.they really can't and won't do a thing.they more than likely bought your old info from a pdl.unlike dan.i don't recommend handing out vital info over the phone.all they will do in reality is call and harrass.stay strong krishawn.just know they can do nothing to you.again dan's case if true extraodrinary.i wouldn't recommend doing that at all.

i got a call from them yesterday, someone named andrew jackson lol, about a loan i took out 4 years ago, after he explained the "charges" that would be pending against me, i contacted my attorney. apparently if they really ARE a attorneys officce like they claim, they can press charges like he explained, and are able to garnish my wages. im not sure if they are an def an attorneys office, but setup a payment arrangment just incase.

i am in this situation right now and it is nerve wrecking-i don't know what to believe i spoke with charles murphy --i also call and get voicemails they sent me a bogus e-mail that i asked for and give me the run around on mailing me info......is this a legit company, i have been reading several stories for almost 3 hours and still don''t know what to do, i do know i don't want to go to court or etc...

I have been getting simalar phone call from the same company. When ever i Call they dont answer saying they are on the other line but never return calls I have requested a dunning letter numerus times and never have gotten one I made a good faith payment to them expecting the dunning letter and receipt and never recieved either so canceled back account and put a stop to payments now they are theatening a cival and crimianl suit against me and I am going to fight it

I recieved a call from the same people last week with the same threats. Only thing is I didn't take out this loan. I emailed them and also ask for a Dunning letter to be sent, so far nothing.

I am confused on this I was recently contacted by this company. They threatened to garnish my wages and take my drivers liscense away. I thought this was a debt and it went through civil court? And how can they threaten me with these things>

I've done my research on this post which I had just found, IRS Inc. is a legitimate company based out of NY. They're an on-site attorney collections business. Basically what this means is that an attorney/businessman has "purchased" the debt from the payday loan company for a substantially lower price than the actual debt, pennies on the dollar. This attorney now technically owns your debt and CAN follow through with legal action, BUT they may not make threatening claims over the phone, which violates FDCP rules and regs, blah blah blah. Important thing to know working with this company, THEY DO have an attorney on site who CAN take your case through litigation if you refuse to pay, but will he? Chances are, that he probably won't put himself through the hassle and will instead make a "settlement" with you. "You pay the original principle and we'll remove any legal liability you have with this account, saving you all these fees". At this point he's still making about 99 cents for every dollar you pay him and will be happy to take it. If you take all this in you'll realize that this is actually quite beneficial to the debtor (yourself) and can make it much easier on you to rise out of debt.

[QUOTE=Anonymous;514021]I've done my research on this post which I had just found, IRS Inc. is a legitimate company based out of NY. They're an on-site attorney collections business. Basically what this means is that an attorney/businessman has "purchased" the debt from the payday loan company for a substantially lower price than the actual debt, pennies on the dollar. This attorney now technically owns your debt and CAN follow through with legal action, BUT they may not make threatening claims over the phone, which violates FDCP rules and regs, blah blah blah. Important thing to know working with this company, THEY DO have an attorney on site who CAN take your case through litigation if you refuse to pay, but will he? Chances are, that he probably won't put himself through the hassle and will instead make a "settlement" with you. "You pay the original principle and we'll remove any legal liability you have with this account, saving you all these fees". At this point he's still making about 99 cents for every dollar you pay him and will be happy to take it. If you take all this in you'll realize that this is actually quite beneficial to the debtor (yourself) and can make it much easier on you to rise out of debt.[/QUOTE]

give it a rest will you,this place is another NY bottomfeeder that collects on illegal pdl's.there are posts on this thread where they do threaten over the phone.quite illegal,and they would have to sue in that person's town,county,village,or burough.back to the phones paul.nobody here is buying what your selling.

I lived in Missouri and now i live in Tx they called my parents number and left this message. I have no intention of paying this and i believe when you signed the paperwork there was a phrase in there that said something about them not being able to take you to court or do anything to you. I will have to look up my papers i wouldnt do anything or give them any kind of info!

I received a call from I.R.S. Incorporated today. I dealt with a Ms. Smith. She was calling regarding an old payday loan (East Side Lenders) that I had out several years ago. She was VERY PLEASANT to deal with. She identified herself with no problem. She never raised her voice or became hateful, rude, nothing. Matter-of-fact, we were laughing thru most of the phone conversation. When I informed her I knew this loan was paid off, she said okay this is what we are going to do......Now I will remind you, she is working for an attorney's office who is trying to collect on this debt. BUT she made me aware that there are certain circumstances to where people believe they have paid off a payday loan, but in actuality, all you did was pay the fees and nothing on the balance (i.e. The company ran the check thru your account, it was returned NSF, etc. They contact you OR RUN THE CHECK THRU YOUR ACCOUNT AGAIN, get their money, but are now saying you owe for all the "hassle" they have to go thru, etc). She said this happens more and more everyday. She stated that more often than not, when she contacts someone about a prior payday loan, she is quickly finding the debt has been paid, but the company (who they represent) is wanting them to collect for their "hassle", fees, etc. When I asked for validation paper work, etc., she stated NO PROBLEM. She stated that there was a pending civil matter with her office, but since she has spoken to me, she was going to "dig a little bit deeper". Mainly because, she had no problem with contacting or locating me. The loan company AND the collection agency said they had tried and tried to contact me with no success. She reached me the 1st time. She had all my current information, everything. That alone raised a "red flag" for her. I just wanted to share this information. Not saying everyones situation is the same, but it doesn't hurt to speak to the company. I am a real person...I don't work for the company or anything else (I've read where some people like to put "Nice FAKE post"). I go to a Mon-Fri job 8 to 4:30 everyday. If this company is calling you, talk to them. I even let her know to please not call my office anymore, but to call my cell. She was more than understanding and agreeable (because she knows once I ask her to stop calling my job, she has to). If you are speaking to someone at this company who is hateful, then ask for Ms. Melissa Smith @ 888-228-7519 ext 212

I am a collections specialist who got a telephone call from this company on an old debt which I have with Advance America which was settle with another agency. When I advised these people ( Jane) that I had settle it she started her talk off and wouldn't let me speak... I advised her of the FDCPA and what she had violated as to her demands and threats and she hung up on me I called back and couldn't get her back on the telephone. Don't let these people bully you tell them upfront that you will turn them into the state attorney general and the Federal Trade Commisson as to their unprofessional debt collection practices. Good luck to all of you I will be checking in

My Aunt called me this morning with a message from some Kendra woman about my situation with the same phone number. I didn't know anything about the FDCPA I'm extremely glad I looked it up.

Also wish I knew all this about six months ago when my husband had people calling three or four times a day threatening with jail and fines. they faxed papers but made excuses as to why they never mailed anything. we paid them and now I wish we hadn't because they were extremely rude and didn't have our address or anything.