Creditor Recovery Corporation doing an asset investigation

This is the actual legal code:

US Cod Collection - Titl 15> Chapter 41> Subchapter V
?? 1692c. Communication in connection with debt collection


Release date: 2005-08-01

(a) Communication with the consumer generally
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt???
(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumer's location;
(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or
(3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication.
(b) Communication with third parties
Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
(c) Ceasing communication
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except???
(1) to advise the consumer that the debt collector's further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Source: law.cornell.edu

I just sent a letter certified mail return receipt requested, advising the collection agency to stop all telephone communication and to only communicate with me by mail. Hope this works. If these collectors weren't so rude I would be willing to talk to them on the phone, but I am tired of the way they talk to me..if I can't pay in full, they have tons of rude things to say.

Keep in mind, you are not required to give any information except your personal identity to the collection agency. This agency violated the laws by giving you the pretext of asset investigation and taking other's information from you. Remember, they provide credit services and debt collection services and are not allowed to use other ways to get information from you.

Cease and desist letter gives you the legal power to restrict the CA from calling you further. If they call you, federal laws are violated and they can be possibly sued.

I am a little confused about this company now. I tried to look them up through the BBB and when I entered their name and address, it said company not found. So I entered and searched by phone number, and it came up as the law office of Lawrence Boivin. They never identified themselves as being from a law office...they stated they were from Creditor Recovery Corp., and I even asked for their info and wrote it down. A law office was never mentioned. So, what does this mean?

Write Credit Recovery Corp instead of Credit Recovery Corporation.

Here are their details in the BBB

It is not the same company...this company is called Creditor Recovery Corporation, they are in Laguna Woods, CA. I have their address and everything. I just wanted to look them up through the BBB and see if they are legit and have complaints against them. The person I spoke to on the phone gave me their address but said he does not have to send me anything in writing, because I am the one who got the credit card in the first place, so they should not have to prove that.

Is this their address?

Creditor recovery corporation (of ca)
23152 verdugo drive / suite 160 / laguna hills, ca

That one is different...I have;
24100 El Toro Rd Ste D-328, Laguna Woods, CA 92637
Makes me wonder if they gave me the address to the law office too. I wonder why they would not mention the law office. Seems like they would use that as a collection tactic. But then they said they were doing an asset investigation..so maybe they are having them do it.

Get further information about their business from the local BBB. Here is their address:

BBB of the Southland
WWW: http://www.labbb.org
Email: [email]info@labbb.org[/email]
Phone: (909)825-7280
Fax: (909)825-6246
PO Box 970
Colton, CA 92324 -3052

For some reason I do not get any info when I enter in the address he gave me. The phone number he gave is 800-856-1174, according to the BBB that is a law office, but they do not answer as one. And I just got a letter from them. It says that I have not responded to the first letter they sent, which I do not have, and that I have failed to dispute the debt within 30 days, so the debt is considered valid. Is this 30 days thing really permitted, or can I still dispute this debt at any time? I only want to dispute the debt to get further info, because they are refusing to give me anything. Thanks for all your info.

Ask the law office to confirm the address where they sent the letters. Ask them to verify your SSN# and other details about this account so that you are sure that they made a genuine contact.

It is true that if the details sent to you about a debt is not disputed within 30 days, it is considered valid. They are in position of not sending you the details again. But you need to cross question them and see if they are still eligible to the law used.

This is all a little unsettling. My mother receives letters from this company for a debt she incurred seven years ago. I was in college at the time and she put my name on the credit account, unwittingly making me responsible for the debt. I've received letters from both "The Law Office of Lawrence R. Boivin" and from "Creditor Recovery Corporation". These people are relentless.

These people have sontinually violated the laws with me. My husband owes a debt that he incurred while we were married. However, my name is nowhere on the debt. This company has called me several times and told me I am responsible and they are going to garnish my wages. They have also conatcted my employer told them they were doing an asset invesitigation and that they were seeking wage garnishment against me. Don't they have to have a judgement against me? And they can't tell my direct supervisor that they are attempting to collect a debt, can they?

Brandy, you can't be held responsible for paying your husband's debt unless you both have signed the account together. They are making contacts with you because you are the closest relation to your husband. Ask your husband to handle this matter and keep you away from it.

I have contacted an attorney and the FTC who have both assured me that what this collection company is doing is illegal. What is crazy is that they have started asking for me instead of my hubby. We have both tried to work out a payment plan but they refuse. The company refuses to be recorded, so I told them that they need to do everything through our debt consolidation company or through our attorney. They should have known better than to mess with a law student who has little else to do but pick apart the Fair Debt Collection practices Act and pinpoint their violations of it!

Calling third party people in reguards to your account is shakly legal.. but still legal. However if they have a good contact # for you and you do indeed answer the phone then they shouldn't be calling anyone else.

Was your husbands info on your account? His social security number? If it was then I can see how they got his job number but if it wasn't then it was a pretty shady thing to pull a report that they weren't supposed to be pulling to get that information. I won't tell you what report it is but I know I was told that it isn't supposed to be done that only the main account holder was supposed to be pulled unless it had to viable ssn#'s.

I have encountered the same issue with this company. Is there a way I can buy additional time to investigate the practices of this company?

These clowns are calling me now. Is there a way I can buy some time to investigate their shaddy practices?

dont answer the phone

here is my situation. They are asking for info such as business number, bank account numbers, annual salary, and assets. Can I legally go after these guys.

They set me a letter stating that I have until the 23rd of june to pay them or they are going to send it back to the creditor to seek legal actions, but after speaking with a gentleman yesterday he said that the 19th is the final day for payment. My question is, if they send it back to the creditor before the stated day on the letter, do I have a legal case?

Also, they have discussed my financial situation with my father who lives in another state.

Please help

Quote:

Well, let me tell you what happened with this company when I was dealing with them. I sent a debt validation letter including a paragraph stating not to call myself or any third party regarding this debt, and to only contact me by mail. They already sent my account to another collection agency. So, apparently they are all talk. Don't worry about them. They are major jerks on the phone, but once they recieve something legal, they are outta there.

Do you think I can walk away from these clowns?

Marksa25,

They send it back to the OC because they feel that the debt is uncollectable. Usually the OC just sends it off to another CA. Then you will start recieving letters from someone else, and it starts all over. I went through a debt settlement attorney to take care of this stuff, I knew there was no other way out. debt consolidation would take me way too long. Some of my accounts went to 5 different CA's and I got the same threats and letters from each threatening to sue. So far, no lawsuit, hopefully everything will be settled okay. Good luck.

I contacted the Kentucky Attorney General's Office and they have handled the matter. Creditor Recovery Corporation has sent me a letter of apology for their rude and illegal actions. It felt really good!

Marksa25,
I have dealt with this company regarding a debt of my husband's. I made a generous offer to pay 250 a month toward the debt which they refused. They threatened to garnish MY wages (the debt isn't mine and KY is not a community property state, so they can't.) I educated myself on the laws of debt collection and contacted the attorney general who presented the company with my evidence of their law breaking. They sent me a letter of apology, offering to accept my prior deal. The next time they call you, tell them that you are recording the converstion. I promise they will refuse to be recorded, which legally they can. Keep a record of what they say to you during the conversation. Tell them you cannot have personal calls at work and send them acease and desist letter. If you need any help, email me at
Brandy

email address removed as per forum rules - Mike

These idiots are harrasing me and throwing out a lot of threats. Should I get an attorney? I saw that someone sent a debt validation letter. Is that a good idea? I offered to make payments but of course they were refused.

debt validation is the legal weapon forcing the collector to give you the necessary information about the debt being collected. You must be sure about the nature of their collection call and their authorization. If the CA does not validate it in writing, you never owe them anything. This move is supported by the federal trade commission in order to prevent the debtors from paying to the companies doing illegal collections. I am sharing this FTC link often posted here in the forums.

http://www.ftc.gov/os/statutes/fdcpa/commentary.htm#809

This business is INDEED horrible. Here is a letter I am sending them tomorrow. Any advice you can give me would be greatly appreciated.

I received a phone call at approximately 7:35pm on Friday, April 13, 2007. The person stated that they were given my phone number from my boyfriend, Tim, and inquired if Tim was home. When I politely answered that Tim was not at home, the caller began unprofessionally asking personal questions as to where he was, saying that he was not at work. Taken back, I asked the name of the caller. Gloria Kiepper identified herself. I asked what the call was regarding. Ms. Kiepper then stated that it was a personal business matter. She continued pressing the issue of whether or not Tim was indeed home and repeatedly asked his whereabouts while using a completely condescending tone. I told her that it was not her business where he was and told her that she was not to call me again. Ms. Kiepper became extremely defensive and then alluded to the fact of the call being about a credit collection. I told Ms. Kiepper that it was very unprofessional of her to discuss any of the issues with me, since I was not on the account. Then it occurred to me that she must have been the same caller that Tim had described to me the day before. In response, I asked if she was the person that had berated Tim upon his request to make hefty payments on the account. Ms. Kiepper responded with even more dramatic and borderline irrational comments. She continued to verbally abuse and harass me????????even insinuating a threat in that she knew where I lived--despite my clear statement that the issue was in no way my business, nor my responsibility. At that point, I told her that she did not have permission to contact Tim at work, nor permission to ever call me again. Ms. Kiepper responded that I could not tell her who she could call and even laughed. Exhausted with her attitude, I requested to talk with her boss. All the sudden, she censored her disrespectful demeanor and became cordial. She even tried to convince me that she had been cordial the entire conversation. I simply asked to speak to you.

Upon talking with you, I learned that the purpose of the call was to simply get a message to Tim, which I had no qualms doing. Never once did Ms. Kiepper identify her purpose in the phone call. In fact, it seemed that her sole purpose was to demean me and squabble about issues that I repeatedly and clearly stated were beyond my responsibility.

I understand that no one is delighted to get phone calls from your company. However, your employee handled herself in a manner unsuitable for any situation. I would not be surprised to hear that Ms. Kiepper????????s account retrieval is less than satisfactory. Her inappropriate conduct would seem to bring about avoidance behavior, rather than anticipated resolution.

My goal in writing this letter is two-fold. First, Ms. Kiepper may never call my phone again. Secondly, Ms. Kiepper should absolutely be reprimanded for her conduct in this case. Not only would it be a good business move for your company, but it may also protect the rights of prospective victims of Ms. Kiepper????????s phone harassment.

In your letter be sure o put, "you are hearby notified to immediately cease any and all communications with me". When the person continued to try to get information out of you, I would have just said "I don't give out any personal information", hung up, and then sent the letter you've composed.

I have a simple life, I work in security for the crystal cathedral in Garden Grove and my wamu/prov acc just got out of control. These CRC people refused my offer for monthly payments, I stopped talking with them and told them I was seeking legal help and never picked up the phone. The calls finally stopped after a couple mos. But the next thing I know I receive this judment from the original creditor that they're taking my money out my bank account! Is it too late to declare BK and get it back?

Unfortunately Ms. Kipper is not the only problem at this company. Her boss MR. Craig Taylor ( he likes to emphasize the MR. and that he is an owner of the company) is abusive, threatening and rude. I am sending them a letter requesting verification of the debt. Did you know that they have only 5 days from the first contact with you to send a statement regarding verification of the debt and informing you that you have 30 days to request verification? I found a good website with a sample letter and the federal code (fdcpa). Also When I asked MR. Taylor for their address he started to give me one address then changed his mind and gave me a different one. I am sending a letter to both just in case. And here they are below for anyone who needs them.
Creditor Recovery Corporation
23152 Verdugo Dr
Laguna Hills, CA 92653
and....
Credit Recovery Corporation
24100 El Toro RD Suite D328
Laguna Woods, CA 92637-3129
Hope this helps!

So my husband and I are currently in the process of clearing up our debt mess. We know very well how stupid we got with our CCs and just want all of this to go away.

Back in 2004, I even took out a Cash Call loan for $5k and was paying $200.71 every month for 3 years. Because I became pregnant and stopped working, we were living off my husband's income alone. I had a 401(k) that was sitting and so I cashed it out. Please, spare me the 401 (k) talk. If you were paying $201 a month for 3 years on a SHARK LOAN at 49% of $5k, you'd realize that after even investing over $7k to paying off that loan, you'd still be paying just interest and not even remotely paying off the premium. So anyway....

So we got the 800# from our debt counseling agency. To show good faith, I called them to sign a hardship application per our debt counseling agency. I spoke to Mark at ext. 117. He was cool and I spent 40 minutes on the phone with him "filling" out this hardship application.

Somehow, they said that their "client" (WaMu) was not willing to work out a long term payment arrangement because we had been too delinquent on the account. It has been almost a year since our last payment. Then he put his "supervisor" Scott Davis at ext. 115. He was a little cool... at first. Telling me he didn't think he could sleep at night knowing that we possibly couldn't pay our debt.

I told him that we had every intention to pay. That's why we enrolled with a counseling agency to help us sort out our debts. I also made it known that my husband's paychecks were being garnished because of a judgment. We're already being docked $800 on each paycheck leaving us really little to work with. To add insult to injury, he told me if we couldn't pay at least even the settlement amount, they would start to garnish my husband's wages. We do live in CA, so since I established contact for my husband's debt, I am indeed responsible as well.

So I was really scared and already stressed about our debt and how everything was going to get paid that the thought of another garnishment kills me. I gave them way too much information, which included our bank information.

I told them before ending that call that I wasn't sure if we really could pay. Needless to say, I felt really ill that night after sitting down with my husband to talk about our situation.

I called the following day to keep them posted and told them that I was indeed wrong for giving them my information and that I didn't think we could pay. I never followed up again in the afternoon as I said I would because, heck, my daughter is far more important than these douches.

So yesterday, I was stressed out from thinking about having to speak with them again, so my husband called and asked them to void out our bank information and asked if they could push up the payment amount to October, 2007 because at least then, we could easily come up with $3k. They said no. My husband was on the phone with Scott Davis (x115) and he said things like "I am not playing games with you people" and "Well, you wouldn't be in this situation if you and your wife didn't dig yourself into a hole".

WTF? First off, we wanted to play games, we could've easily ignored any and all communication with them and just wait it out. And secondly, yeah, us and every other person in indeed in some kind of debt because they lacked (just as we do) the education of proper credit use.

My husband was sick of this and hung up on him. He did call back and only then did hand me back the phone and I was given the # for our local DA's office to contact them about our rights about creating a bad check.

Needless to say, I was beating myself up over this mess and went a little crazy. Luckily I went to my kick boxing class and boxed the hell out of that by picturing these guys' faces.

These guys are indeed horrible to work with. I'm just crossing my fingers that we get the money soon to cover our **** and to pay this and all of our debt off so we can just live our lives without the debt. My husband isn't scared of their tactics as I easily was. And if we ever run into this problem again (which we will NEVER be again because NO MORE CREDIT CARDS), then I'll be smart about letting my husband take the rope and do the steering.

[color=Red]****Adult term removed - Jason[/color]

Has anyone had any luck getting them to accept a lump sum settlement? What kind of a reduction is reasonable to go for? I owe $2000 and they want $3900.

these people have harrased me to no end! I tried to settle with them and they REFUSED? why would they do that I am trying to pay them so I say no they will not take an offer good luck I have a lawyer now...

the company "Credit Recovery Corporation" 800-856-1174 continues to call, apparently for the person who had one of our #'s before. we are a company & have had the # for 6 months or more. the man I spoke with was very rude. i told him he's leaving messages on a company voice mail & shouldn't be. also, we have no knowledge of that person & please stop calling here. he said he'd have to research it. i said what do you mean, i'm telling you this is a company & you keep calling here about a debt. he got very annoyed & wanted to argue with me about who said anything about a debt. i said take us off your list.....it was ridiculous. i'm having the # changed due to what i consider to be harrassing calls.

This number has been leaving threatening messages on my phone machine, and yesterday started calling my neighbors homes, talking to my neighbors and asking them to pass on the telephone number and a message that to me that I had better contact them.

Friday, April 18, 2008 State Bar Home

ACTIVE BAR LICENSE# 97434


See below for more details.

Profile Information
Bar Number 97434
Address Law Ofc Lawrence R Boivin
PO Box 3513
Laguna Hills, CA, 92654-3513 Phone Number (949) 462-0634
Fax Number Not Available
e-mail Not Available
District District 8 Undergraduate School California St Univ Fresno; Fresno CA
County Orange Law School Western State Univ; CA
Sections None

Status History
Effective Date Status Change
Present Active
9/20/1996 Active
4/6/1990 Inactive
5/29/1981 Admitted to The State Bar of California

Explanation of member status

Actions Affecting Eligibility to Practice Law
Disciplinary and Related Actions

This member has no public record of discipline.
Administrative Actions

This member has no public record of administrative actions.

I have a question i have a creditior who called my house and told my mother a figure amount of how much i owe. If i am not mistaken thats illegal for them to do. can you please direct me to a site where i can get info so i can set them straight. Also what can i do so they can stop calling my house.

It is illegal to tell your mother about your financial affairs. Read the fdcpa on the FTC website. If you want the calls to stop, you must send them a "cease and desist letter" advising them to cease the phone calls and to contact you by US mail only. You must send this letter by CMRRR.

I have been reading all the prior posts on this company and need advice! This company (Craig) called me today about a debt that unfortunately I do owe. I have offered a very generous monthly payment option but they are refusing and are continuing to bully me. They have called my parents (who thought I was in an accident and were scared to death) and my in-laws. They also called me a liar and a "cheater" to my husband which was very disturbing and completely inappropriate! They have my current address and phone numbers so they know how to get in touch with me so I know they shouldn't be contacting anyone else, right? My real question is, since they won't except my monthly payment plan and I don't have the total amount due what are my options?? Any help would be MOST apprecaited as I'm just sick to my stomach about this. They are such bullies!

Dawn send them a DV letter along with a limited C&D letter advising them to cease calling your relatives and to contact you by us mail only.

I was over 15k in debt and I tried the consolodation companies and an attorney and it cost me far more than it was worth. In the end I took care of my responsibilities on my own.
I recieved the harrasing phone calls and the creditors called all sorts of family and friends trying to track me down. Each time leaving such vague information that people believed I was of a shady charecter or they knew I was having troubles.
I sent cease and desist letters and moved into a crappy apartment where I rented a room and ate ramen for year.
basically I live beneath my means and saved money until I could begin making settlement offers. Payment plans were a joke. It seemed once they knew I had any money they pushed even harder. So I saved and struggled ( I won't go into detail but I sacrifced a lot). Once I had enough money to offer a 60 percent settlement I made offers to all my creditors. the ones that took it gave me letters showing I paid them I called the reporting agencies and disputed the debts. The debts ended up coming off my record entirely.
The remaining creditors would only allow an 80 percent settlement so I saved more and worked until I could pay them as well. I repeated the same process with the reporting agency and within 2 years from becoming debt free I bought a home and a car.
My point in all this is that no matter what the creditors do we will always be indebted to them until we honor our obligations. Now I would have liked to had paid my balances in full but my circumstances were such that I could not honor my original agreement.
The "asset and laibility" investigations were the attorneies looking into my vulnerability to suit. Fortunately they saw that I was not a good target for judgement since I had nothing to show that I had any means at all. But after fighting them I learned they have many rights regarding their ability to communicate with anyone that may possibly know where I am and what is mine. They did extensive backround searches and a lot of the info they found on me was scewed or incorrect but it was public record and they were able to argue it in court.
Again the best thing I can recomend is to live beneath your means until you can pay the man and get out of his grasp.

I am a Collector and have been in the industry a long time. I know how difficult it can be for the consumer when they fall on hard times.

1) Respectfully request they cease and disist communication by any contact but mail.

2) Be sure and tell them you will honor this obligation as soon as possible.

3) safe that healthy monthly payment until you can come up with approx 80% of the debt.

4) call them and tell them you were able to come up with $X.XX and would like to settle for that amount. Do not tell them the source of the funds. Simply say "please work with what I have been able to obtain" They will push for balance in full but if you continue to stick to your guns tehy will accept the offer. It is important to allow them to feel they have made you work hard to obtain what little you have. Let them know it is either them that gets paid or the other guy.

I have to say that debt free has posted the real solution for anyone in debt.

At times we will accept low settlements but personally I am relentless and unless I can prove that the person has no means to obtain the money they owe my client I never budge and often push for suit. It's not because I don't care It's because I get paid to get my clients what is theirs.

I hope this is helpful to you. Best of luck!

that is helpful.you show a side of collectors we don't often see here.the problem is there are a lot CA'S that don't play that.they usually start the shouting and threatening.if all collectors thought and/or acted like you did then there wouldn't be a need for this forum.

i need to get these**** in trouble they have done the same thing to me . They tried to get my husband fired and tole me i was a piece of crap and a "classy broad". There is way more too. The funny thing is i was calling in to tell them i was going to pay them off when i get my taxes in 3 weeks and they did all of this harrassing every since. I am willing to pay and they are bothering everyone i know and getting info about me that i never even told them...This is all illegal but i cant sue them right now...What canwe do. Is they a class action lawsuit we all can do?? Has anyone else solved their prob with these leaches yet!?

[color=Red]****Adult term removed - Jason[/color]

i need to get these assholes in trouble they have done the same thing to me . They tried to get my husband fired and tole me i was a piece of crap and a "classy broad". There is way more too. The funny thing is i was calling in to tell them i was going to pay them off when i get my taxes in 3 weeks and they did all of this harrassing every since. I am willing to pay and they are bothering everyone i know and getting info about me that i never even told them...This is all illegal but i cant sue them right now...What canwe do. Is they a class action lawsuit we all can do?? Has anyone else solved their prob with these leaches yet!?