Skip to main content
index page

Ellis Crosby And Associates

Submitted by on Mon, 06/20/2005 - 07:50
Posts: 202330
Credits:
[Donate]

Special Announcement: Ellis Crosby and Associates are not following fdcpa so if you are getting phone calls from their agents, please handle with care. Signup for free counseling and handle all problems associated with Ellis Crosby and Associates smoothly.



I had gotten some payday loans, and i was unable to repay them as quickly as the loan companys would like. The intrest rate is 600% or more!
Ellis and Crosby says they are lawyers ( when they are just a collection agency) and they have been threatning to pick me up within an hour, if i cant pay right away. ELLIS and Crosby thinks i am a HABITUAL offender because the loan comapnys are screwing me. But what they dont realize is that these loan companys are charging extra if you dont pay ontime. My orginal amount was $200, Ellis and Crosby racked it up to $560, just so they could file a suit aginst me. Its like they are doing it on purpose. GOOD THING I WORK FOR A LAWYER, and i have been informed. :roll:
THERE IS NO DEBT COLLECTION PRISON!
Ellis and Crosby has threatned to make me loose my job, and talk to my boss about it. In texas they cannot garnish wages without a court order. And they have totally violated a law.


I am glad that you are informed about the laws regarding fair debt collection. They have no right to treat you in this manner and you do have the power to do something about it.

First, you should contact a lawyer to see how they can help you take care of this menace once and for all. One way that you could help your case is by taking down a record each time that they call. be sure to find out who you are talking with and the time that each telephone contact occurs. Take notes of what occurs during the conversation and any threats that are made on their side.

Finally, you may already be aware that you do have the power to make them stop calling you. All you have to do is send them a letter stating that you do not wish to be called anymore. However, you have to be aware that your debts will not go away, only the harassing phone calls. So if you do this, you would have to be responsible with paying your bills on time without the harassment.


Submitted by benjaminz6 on Tue, 06/21/2005 - 10:51

benjaminz6

( Posts: 256 | Credits: )


Well i was getting all these peoples address' and what not , and Ellis and Crosby used to have it on their site, BUT they took it off as of today!!!! Because i guess people were filing chap 7 on them and they had unlimited access to their address!
I wonder if they read the things people say about them!


Submitted by on Tue, 06/21/2005 - 13:29

( Posts: 202330 | Credits: )


[quote=katie]Well i was getting all these peoples address' and what not , and Ellis and Crosby used to have it on their site, BUT they took it off as of today!!!! Because i guess people were filing chap 7 on them and they had unlimited access to their address!
I wonder if they read the things people say about them![/quote]

Ha ha. That is great. Thanks for informing us. They are trying to hide from their own actions. Now that they have been exposed, they may learn their lesson. They may pull back on their draconian tactics.

And we will continue to keep their address up so people will continue to have unlimited access to their address. That is what this thread is for. To provide a level playing filed for the consumer.


Submitted by benjaminz6 on Wed, 06/22/2005 - 08:38

benjaminz6

( Posts: 256 | Credits: )


It says it is under reconstruction, do you think something is happening with them? They haven't called me yet, but my payday loan company sent my file to them because i put a stop pay on my loan. I am nervous about them calling me, and dont want to pay them


Submitted by on Wed, 06/22/2005 - 08:47

( Posts: 202330 | Credits: )


[quote=momof5]It says it is under reconstruction, do you think something is happening with them? They haven't called me yet, but my payday loan company sent my file to them because i put a stop pay on my loan. I am nervous about them calling me, and dont want to pay them[/quote]

The funny thing is that I cant even find the site anymore. I even tried to goggle them and I only got this site instead. So they might go to extreme measures and try to change their P.O. box.

But no, I doubt that a mass of complaints would bring a collection company down. unless they are really small and fledgling. if this trend is true, they may expect a barrage of lawsuits, but i still think that they will be around.

Is there a reason why you don't want to repay your payday loan? Because your credit will come out as the victim, not Ellis and associates. So you should try to get this payday loan out of the way. if they haven't sent it to the collection agency yet, try to see if you can consolidate that debt so you can repay it and maintain your credit. If they have sent it to collections already, try to see if a deal could be worked out where you could consolidate. It is still early so you may have hope to do this.

But in the future, I would advise you against these payday loans. The interest is too high and it is not worth sacrificing your hard earned pay to feed a few loan sharks.


Submitted by benjaminz6 on Wed, 06/22/2005 - 09:04

benjaminz6

( Posts: 256 | Credits: )


No I tried to call the company that sent it to them, FSM Processing and work it out with them but they said if I sent them a payment, they would just send it back to me and would not accept it because my file is now with Ellis, Crosby... should I call this collection agency and pay them, my loan is for $450 but yet I see that they want twice as much when you call... what should I do?


Submitted by on Wed, 06/22/2005 - 09:49

( Posts: 202330 | Credits: )


[quote=Anonymous]No I tried to call the company that sent it to them, FSM Processing and work it out with them but they said if I sent them a payment, they would just send it back to me and would not accept it because my file is now with Ellis, Crosby... should I call this collection agency and pay them, my loan is for $450 but yet I see that they want twice as much when you call... what should I do?[/quote]

Are you serious? Twice as much? You see, this is how they profit off of us. Your best bet is to pay it off ASAP because they will be tacking on fees and any kind of tariff they could find. In addition, it will be ruining your credit in the process. And I don't think that it is worth it for $450.

So just eliminate this debt if you are capable of paying it. Because if they could go from 450 to 1000 dollars they, could just as easily go from $450-2000. You do not need this small debt to become into a monster. Get rid of it. And get this collection agency out of your hair.


Submitted by benjaminz6 on Wed, 06/22/2005 - 10:01

benjaminz6

( Posts: 256 | Credits: )


You can enroll yourself in a [URL="http://www.debtconsolidationcare.com/program.html"]debt consolidation program[/URL] with this company at the sign up page, let the consultant deal with your payday loan agency, and get this amount reduced by eliminating the financial and the late charges.

This is understood that this debt is to be paid but not to the extent the payday loan company demands...So the consultant will do professional negotiation for you and set a reduced payment plan.


Submitted by roxette on Wed, 06/22/2005 - 14:13

roxette

( Posts: 4009 | Credits: )


[quote=Anonymous]Well I could pay the $450 but surely not $1000, so what do I do about that?[/quote]

Well the best thing that I could recommend is that you try to consolidate that debt through a debt consolidation program. This program will negotiate with this creditor in order to lower the interest rate on this debt.

But I am really not sure how this $450 became $1000. So you have to check to see what kind of fees were tacked on. If they are late fees or collection fees, I don't know if consolidating will do much to bring it down from $1000.

So your best bet now is to call the collection agency and see if you can consolidate. If you feel that they are not giving you a straight answer, then call this consolidation company so they could serve as third party negotiator to reduce the interest on your debt.

The number is 877-No-debt-8.


Submitted by benjaminz6 on Thu, 06/23/2005 - 09:14

benjaminz6

( Posts: 256 | Credits: )


Ellis Crosby called my job and left several message like I am some kind of criminal also they tacted are under handed stating they are lawyers and they are going to put me in jail, etc. Yes I did borrow money from the payday loan company but they screw up my account by trying to take out 600 extra that I never borrow and had me in all kind of debt with my bank. I live in NY and now they are threating to have me arrested because they saying I do not want to pay. This is not the case you cannot call anyone at 12:00 pm and tell them to have over a 1000 by 5:00 or you will go to jail. I am filing a complaint with my bbb because this is unexusable for them to act like this. I did not borrow half the money that they want.Is this fair in the state of NY? They called my office this am and threaten me again.


Submitted by on Fri, 06/24/2005 - 06:53

( Posts: 202330 | Credits: )


Crosby And Associates
Address: 4494 Southside Blvd, Jacksonville, FL 32216
Phone: (904) 928-3536 :wink:


Submitted by on Sat, 06/25/2005 - 13:12

( Posts: 202330 | Credits: )


:(

I have the same situation, I received a phone call on Thursday the 23rd from Ellis Crosby, I called them back and informed them that I could do 150 that day, they insisted that I had to pay 200. So I went to moneygram the funds, and told him that I would probably be able to pay balance on 29th, I had a problem with my pay and won't be getting it now until the 5th, he told me too bad, it was set for the 29th, I said I haven't met a debt collection agency that wouldn't make a exception or arrangements, he rudely told me that he wasn't with collections, his job was to find me, and if it wasn't that important to me to just ignore it them... (how professional) then he hung up on... I must've struck a nerve, but now i'm concerned what happens, can he have me arrested... I Intend to pay it off I just need a few more days..


Submitted by on Wed, 06/29/2005 - 07:43

( Posts: 202330 | Credits: )


I went thru FSM Processing..I got into a situation, and I couldnt pay them back..The loan i got was 200.00 and I couldnt afford to pay them back, due to being out of work..Today I get a call from an Investigator Valentine, and she tells me i have until 4pm today to get them 410.00 I dont have it..And she went into all these charges that I can get put against me for fraud and all these other things..I know I DID NOT commit fraud..I also know that when I talked to the people from FMS, they told me that the account would go to a collections agency..Now that i looked them up online, and read the things here I know they are just a collection agency..They use big words, and they sound very scarey...I just hope that they dont send anyone here to my job to get me..


Submitted by on Wed, 06/29/2005 - 10:34

( Posts: 202330 | Credits: )


Same thing happened to me, Ellis can kiss it as far as im concerned. I hate them and im SURE they are about to hate me. If their job is to FIND you then why arnt they at your doorstep?
CONSUMERS: THEY CANT DO ANYTHING TO YOU AND THEY CANNOT PUT YOU IN JAIL, They used that fraud thing with me and everyone else who filed a complaint.


Submitted by on Wed, 06/29/2005 - 10:38

( Posts: 202330 | Credits: )


I got a call from Ellis Crosby & Assc. on 04/06/2005 and they told me the same thing, that i had to send the money to them right now or they were going to court in 2 hours to sue me. I sent them the money $710.00 dollars on the condition they would send me the documentation that I owed the debt. I had payday loans and thought I had paid them all off. Well they never sent me the documentation and sent me a letter showing I paid off a debt and gave a file #, however when I called to get the rest of the documentation I gave them this file number and was told it belonged to someone else. Now they are calling me again saying I owe another debt. I sent them a letter telling them to send me proof first or I will not pay and due to the nature of the conversations with them the only contact should be by mail.


Submitted by on Wed, 06/29/2005 - 13:29

( Posts: 202330 | Credits: )


Ellis and Crosby called my work. Gave me the impression I was going to be "picked up" immediately. I took my lunch to send them $660 via Money Gram and now they are telling me they need more.

I had a $300 payday loan and they are saying I owe $1025.


Submitted by on Wed, 06/29/2005 - 15:59

( Posts: 202330 | Credits: )


Ellis and Crosby called my work. Gave me the impression I was going to be "picked up" immediately. I took my lunch to send them $660 via Money Gram and now they are telling me they need more.

I had a $300 payday loan and they are saying I owe $1025. I thought my loan had been paid since no one called me about it. I am still pretty sure it's been paid, or at least partially paid. Should I call the company I had the loan with?

Do I REALLY have to pay anymore? Should I be the least bit worried about court/laws/being arrested/etc???


Submitted by on Wed, 06/29/2005 - 16:03

( Posts: 202330 | Credits: )


Okay - I cannot BELIEVE that they are STILL calling people. Even though their memebership has been
revoked? Something is fishy.


Submitted by on Thu, 06/30/2005 - 06:38

( Posts: 202330 | Credits: )


Everything this company has done is illegal. They are threatning to take people to jail, which is illegal. They are calling peoples jobs with lies about using company computers for these loans. I have made arrangements with a lawyer to try and do something about their illegal tactics. They called someones job and said they were the FBI. Thanks





[quote=anonymous22]:(

I have the same situation, I received a phone call on Thursday the 23rd from Ellis Crosby, I called them back and informed them that I could do 150 that day, they insisted that I had to pay 200. So I went to moneygram the funds, and told him that I would probably be able to pay balance on 29th, I had a problem with my pay and won't be getting it now until the 5th, he told me too bad, it was set for the 29th, I said I haven't met a debt collection agency that wouldn't make a exception or arrangements, he rudely told me that he wasn't with collections, his job was to find me, and if it wasn't that important to me to just ignore it them... (how professional) then he hung up on... I must've struck a nerve, but now i'm concerned what happens, can he have me arrested... I Intend to pay it off I just need a few more days..[/quote]


Submitted by on Thu, 06/30/2005 - 10:44

( Posts: 202330 | Credits: )


EVERYONE HERE SHOULD POST A MESSAGE ABOUT THESE PEOPLE ON FIGHTBACK.COM UNDER THE BANK AND FINANCIAL TOPIC, DAVID HORIWITZ NEEDS TO KNOW ABOUT THIS SO HE CAN HELP US RESOLVE THESE ISSUES. PLEASE POST IT ON FIGHTBACK.COM

YOULL BE SURPRISED!
THANKS- KATIE :P


Submitted by on Thu, 06/30/2005 - 12:49

( Posts: 202330 | Credits: )


[quote=mjd]Ellis Crosby called my job and left several message like I am some kind of criminal also they tacted are under handed stating they are lawyers and they are going to put me in jail, etc. Yes I did borrow money from the payday loan company but they screw up my account by trying to take out 600 extra that I never borrow and had me in all kind of debt with my bank. I live in NY and now they are threating to have me arrested because they saying I do not want to pay. This is not the case you cannot call anyone at 12:00 pm and tell them to have over a 1000 by 5:00 or you will go to jail. I am filing a complaint with my bbb because this is unexusable for them to act like this. I did not borrow half the money that they want.Is this fair in the state of NY? They called my office this am and threaten me again.[/quote]

I am sorry that you have to go through this harassment. Now I am pretty sure that you know that those payday loans were not worth all of this extra stress.

But, I would also like to inform you that you do have rights and this collection agency is offending your rights by making these threats to you.

There is a part of Fair Debt Collections Act called False Statements. The collection agencies are not allowed to make False Statement to you when collecting debts.

A false statement includes, Jail time. They are not allowed to threaten you with jail time. In addition, they are not allowed to accuse you of being a criminal and threaten you with arrest. This clearly constitutes harassment.

So, I would advise that you take records of these threatening calls and present them for a lawyer for a potential lawsuit. They are not allowed to threaten you in this way and you should teach them a lesson through a lawsuit.

In addition, you can stop this company from calling you at work. If your work does not allow this sort of call, you should contact the collection agency in writing to tell them not to call you at your place of employment. They must stop calling you at work after this letter.


Submitted by benjaminz6 on Thu, 06/30/2005 - 17:29

benjaminz6

( Posts: 256 | Credits: )


Nobody can garnish your wages in Texas execpt student loans, taxes and child support, regardless of a court order. What they guys are doing is violating the fair debt collections practices act, which governs the way 3rd party debt collectors operate. I am in the process suing these guys now for harassing a client of mine.

Where in Texas are you?







[quote=Katherine]I had gotten some payday loans, and i was unable to repay them as quickly as the loan companys would like. The intrest rate is 600% or more!
Ellis and Crosby says they are lawyers ( when they are just a collection agency) and they have been threatning to pick me up within an hour, if i cant pay right away. ELLIS and Crosby thinks i am a HABITUAL offender because the loan comapnys are screwing me. But what they dont realize is that these loan companys are charging extra if you dont pay ontime. My orginal amount was $200, Ellis and Crosby racked it up to $560, just so they could file a suit aginst me. Its like they are doing it on purpose. GOOD THING I WORK FOR A LAWYER, and i have been informed. :roll:
THERE IS NO DEBT COLLECTION PRISON!
Ellis and Crosby has threatned to make me loose my job, and talk to my boss about it. In texas they cannot garnish wages without a court order. And they have totally violated a law. [/quote]


Submitted by on Wed, 07/06/2005 - 16:46

( Posts: 202330 | Credits: )


[quote=DJC]Nobody can garnish your wages in Texas execpt student loans, taxes and child support, regardless of a court order. What they guys are doing is violating the fair debt collections practices act, which governs the way 3rd party debt collectors operate. I am in the process suing these guys now for harassing a client of mine.

Where in Texas are you?

Im in Houston, I think i would be interested in sueing them as well, how much would something like that cost?
I know alot of people who will give statements and who will be on your clients side. In exhcange for screwing these guys, alot of pissed of people.
What do you think?
:shock:






[quote=Katherine]I had gotten some payday loans, and i was unable to repay them as quickly as the loan companys would like. The intrest rate is 600% or more!
Ellis and Crosby says they are lawyers ( when they are just a collection agency) and they have been threatning to pick me up within an hour, if i cant pay right away. ELLIS and Crosby thinks i am a HABITUAL offender because the loan comapnys are screwing me. But what they dont realize is that these loan companys are charging extra if you dont pay ontime. My orginal amount was $200, Ellis and Crosby racked it up to $560, just so they could file a suit aginst me. Its like they are doing it on purpose. GOOD THING I WORK FOR A LAWYER, and i have been informed. :roll:
THERE IS NO DEBT COLLECTION PRISON!
Ellis and Crosby has threatned to make me loose my job, and talk to my boss about it. In texas they cannot garnish wages without a court order. And they have totally violated a law. [/quote][/quote]


Submitted by on Thu, 07/07/2005 - 07:00

( Posts: 202330 | Credits: )


Hi Katherine, I just went through the same thing today? What do you suggest I do?

[quote=Katherine]I had gotten some payday loans, and i was unable to repay them as quickly as the loan companys would like. The intrest rate is 600% or more!
Ellis and Crosby says they are lawyers ( when they are just a collection agency) and they have been threatning to pick me up within an hour, if i cant pay right away. ELLIS and Crosby thinks i am a HABITUAL offender because the loan comapnys are screwing me. But what they dont realize is that these loan companys are charging extra if you dont pay ontime. My orginal amount was $200, Ellis and Crosby racked it up to $560, just so they could file a suit aginst me. Its like they are doing it on purpose. GOOD THING I WORK FOR A LAWYER, and i have been informed. :roll:
THERE IS NO DEBT COLLECTION PRISON!
Ellis and Crosby has threatned to make me loose my job, and talk to my boss about it. In texas they cannot garnish wages without a court order. And they have totally violated a law. [/quote]


Submitted by on Thu, 07/07/2005 - 20:08

( Posts: 202330 | Credits: )


[quote=Jen]I went thru FSM Processing..I got into a situation, and I couldnt pay them back..The loan i got was 200.00 and I couldnt afford to pay them back, due to being out of work..Today I get a call from an Investigator Valentine, and she tells me i have until 4pm today to get them 410.00 I dont have it..And she went into all these charges that I can get put against me for fraud and all these other things..I know I DID NOT commit fraud..I also know that when I talked to the people from FMS, they told me that the account would go to a collections agency..Now that i looked them up online, and read the things here I know they are just a collection agency..They use big words, and they sound very scarey...I just hope that they dont send anyone here to my job to get me..[/quote]
If you tell them not to call you at work and they continue to, it is harrassment. They called me too and was telling a co worker all about my case and said they were sending someone to work to talk to me. My co worker told them they would be turned away without speaking to me because it is a place of business and they were not allowed to harrass people at work, they didn't send anyone and I called them and told them not to call me at work again and they haven't. It is a scare tactic they use. That company is full of jerks.


Submitted by on Fri, 07/08/2005 - 05:10

( Posts: 202330 | Credits: )


I suggest that you change your phone number! thats what i did. And i have not heard from them in almost a month, if i do ill be sure to tell them that Ive been advised of my legal rights and they can shove it. They have been suspended from Debt Collection by the ACA for 90 days but they are still calling around and bothering people. Sounds fishy. Just tell them you know better.


Submitted by on Fri, 07/08/2005 - 06:32

( Posts: 202330 | Credits: )


Hi, I also went thru the ringer with Ellis and Crosby.

I did the unfortunate thing of taking out a total of 14 payday loans. After the extremly high fees charged, I could not pay all of the companies back on time. Two of my payday loans were sent to Ellis and Crosby. Someone by the name of J P Henson called me at 12:00 noon and said that if I did not send them $1,100.00 by 1:00 pm that day, someone from the District Attoney's office would come up to my job, arrest me and take me away in handcuffs in front of my co-workers, and then take me to jail. He proceeded to say that I could also be deported, I guess because I have an accent and my wages would be garnished. By the end of the conversation I was literally in tears. I did not have $1,100.00 so I sent him $25.00 which is all I could afford. After receiving the $25.00, he called me back to let me know that he would be sending the $25.00 back. I also asked if I could have a payment arrangement and he said no, and that they will be taking further action and he hung up. I am not sure what to do now, but perhaps I should be seeking legal counsel. Final note to anyone thinking about taking out a payday loan, DON't, this will send you into financial hell.

Worried in Pennsylvania.


Submitted by on Fri, 07/08/2005 - 07:22

( Posts: 202330 | Credits: )


Victoria-
They cannot take you away in cuffs. And they cant harras you. I took out 13 payday loans and i cant pay anything to them. THey have since quit calling me, They arnt even lawyers. They are a Collection Agency. They have been suspended form making transactions but YET they are still trying to get money. I dont understand And something seems fishy :roll: Dont be worried because they cannot do anything to you.
What state do you live in? In texas they cant garnish and they cannot sue for money bc its a BANK. And banks cannot sue you in texas. The best way to find out whats legal is to call the District Attorney and ask. I would also ask about filing a suit aginst Ellis and Crosby, for threatning to DEPORT You, THAT IS TOTALY CROSSING THE LINE! You can sue big time.
Keep in touch
Katie


Submitted by on Fri, 07/08/2005 - 08:42

( Posts: 202330 | Credits: )


Thanks Katie for the reassuring words.

I live in Pennsylvania. I also did a little research and found out that I can file a formal complaint with ACA International, Ethics Committee which Ellis, Crosby & Asso. is a member. This guy I dealt with violated all the rules of the Ethichs committee. I also reported them to the BBB. I plan on calling the DA's office. This guy caused me to suffer great anxiety. I am still a little shaken from that phone conversation.


Submitted by on Fri, 07/08/2005 - 11:39

( Posts: 202330 | Credits: )


Dear Guest-
I agree he did cross the line! you have NO clue how many complaints Ive filed. I have filed one with ACA the BBB the Federal Trade Commison and the Texas Attorney General. It does get tiring, but if you know anyone else who has this problem please tell them to post their reposnses on FIGHTBACK.COM UNDER BANKS AND FINACIAL , AND REPORT THEM TO EVERYONE YOU CAN. They derserve to be gone. I wish there was a bug spray for them ELLIS BE GONE SPRAY
;)
:twisted:


Submitted by on Fri, 07/08/2005 - 14:45

( Posts: 202330 | Credits: )


[quote=mjd]Ellis Crosby called my job and left several message like I am some kind of criminal also they tacted are under handed stating they are lawyers and they are going to put me in jail, etc. Yes I did borrow money from the payday loan company but they screw up my account by trying to take out 600 extra that I never borrow and had me in all kind of debt with my bank. I live in NY and now they are threating to have me arrested because they saying I do not want to pay. This is not the case you cannot call anyone at 12:00 pm and tell them to have over a 1000 by 5:00 or you will go to jail. I am filing a complaint with my bbb because this is unexusable for them to act like this. I did not borrow half the money that they want.Is this fair in the state of NY? They called my office this am and threaten me again.[/quote]



Roxette is correct. These things they are doing are illegal. You need to document everything and call the FTC to report this company. FTC Help is 1-877-382-4357.


Submitted by kimb515 on Fri, 07/08/2005 - 19:35

kimb515

( Posts: 17 | Credits: )


I read the posts in this thread and realize that Ellis Crosby is definitely crossing the line and they will be fined heavily.

I suggest all to record the telephonic conversations, save the mails if they correspond with you, lodge complaints at the FTC, state attorney general office etc. and take legal advice from the attorney with the evidences.

You all have stronger points to fight as membership of Ellis Crosby is suspended from June 1 for a period of 90 days and they can't make any claim during this period. Making claims and then causing harassments further adds to their illegal actions. You all are advised to lodge complaints and take preventive steps.

VictoriaWarren, please do not get worried as you are completely safe and your fearful action of sending them the money has given them a stronger point to bully you. Though they said, that they will return you the money, I presume they won't be doing that and additionally, they will make a fuss of it.

In the end, I suggest all of you to keep yourself away from payday loans. I see many taking 13, 14 and many more payday loans. Take payday loans only if you can manage to pay within the due date otherwise you are inviting yourself completely in troubles and misery.

I believed in offering a suggestion which might be of some value to all of you. Hope that you all won't take my words in a bad way.

Regards
Roxette


Submitted by roxette on Sat, 07/09/2005 - 14:21

roxette

( Posts: 4009 | Credits: )


Ellis Crosby & Assoc called me at work and told me I being notified of felony charges filed against me as of 2:00pm today. A background check would be done on me. They stated I was guilty of fraud and an arrest warrent has been issued and I would be picked up at work. I asked who the lender was I did borrow $200.00 and could only pay the finance charges. I then needed to file bankruptcy and notified all my lenders. They told me bankruptcy laws do not protect me against fraud and I have committed a felony for passing bad checks and giving fraudulant bank information. I now needed to pay $515.17 by 3:00pm or I would be arrested. My attorney told me to ignore them. My employer called and told them to cease calling work, but when she called they didn't know who she was referring to.


Submitted by on Mon, 07/11/2005 - 09:32

( Posts: 202330 | Credits: )


Roxette

Your words are certianly not taken in a bad way. In hindsight I wish I had never learned about payday loans. These types of loans can clearly lead people into long term financial troubles.

Kind Regards,
Victoria


Submitted by on Mon, 07/11/2005 - 12:41

( Posts: 202330 | Credits: )


No they cannot arrest you. They told me the same thing Im still waiting for them to come take me to jail. Report them to the ACA INTERNATIONAL and FTC.
:twisted:


Submitted by on Mon, 07/11/2005 - 13:31

( Posts: 202330 | Credits: )


Katie

I appreciate your willingness to assure the community for positive thoughts during times of crisis. :D

Together, we will be able to spread the message that Ellis and Crosby business is at stake and it can only bark but never bite.

Victoria, thank you so much for warm reply. I am happy that you have learnt to decide wisely while making financial decisions.

reed2c, have you really filed for bankruptcy as because of the Ellis Crosby calls? I am so agitated due to the misbehavior of Ellis Crosby people over such innocent people.

I hope that FTC authorities and DA's office will soon take necessary action against such people.

Once again, I request everybody, not to get bullied by the domineering behavior of Ellis Crosby. They just can't do anything except throwing harsh words in the air. Their membership is revoked for 90 days and they can't take any action at this time. At least, not before September. And by that time, their business might be at jeopardy

Roxette


Submitted by roxette on Mon, 07/11/2005 - 14:11

roxette

( Posts: 4009 | Credits: )


[quote=silverfreak4u]I JUST A CALL FROM THESE PEOPLE TODAY AT WORK TELLING ME ALL THIS CRAP THAT IM IN SERIOUS TROUBLE AND I NEED TO PAY THIS HUGH AMOUNT OF MONEY OR SOMEONE IS GOING TO COME ESCORT ME FROM WORK AND TAKE ME TO JAIL. IM IN THE PROCESS OF CONSOLIDATION OF MY DEBT. CAN THEY DO ANYTHING TO ME?[/quote]


These people do not quit with their illegal activity. i am surprised by their brazenness. Either the government is simply ignoring companies such as these or people are not complaining in mass about this harassment.


These threats are clearly illegal. They are not allowed to make false statements to you threatening jail and other negative consequences. they are not allowed to treat you as if you committed a crime.


I would suggest that you contact a lawyer so you can sue these people. Somebody needs to teach these guys a lesson.

So you decided to consolidate? Have you already started or did it go to collections first? Well, if you have already started to consolidate, then you should continue with your consolidation company.


Submitted by benjaminz6 on Mon, 07/11/2005 - 18:32

benjaminz6

( Posts: 256 | Credits: )


[quote=reed2c!]Ellis Crosby & Assoc called me at work and told me I being notified of felony charges filed against me as of 2:00pm today. A background check would be done on me. They stated I was guilty of fraud and an arrest warrent has been issued and I would be picked up at work. I asked who the lender was I did borrow $200.00 and could only pay the finance charges. I then needed to file bankruptcy and notified all my lenders. They told me bankruptcy laws do not protect me against fraud and I have committed a felony for passing bad checks and giving fraudulant bank information. I now needed to pay $515.17 by 3:00pm or I would be arrested. My attorney told me to ignore them. My employer called and told them to cease calling work, but when she called they didn't know who she was referring to.[/quote]

First off, it is not a felony to have debts. I do not know how they came around to making those incredulous claims.


This is illegal. This type of practice would fall under the false statements clause of the fair debt collections act. The debt collectors are not allowed to imply that you have committed a crime.


In addition, they may not state that you will be arrested if you do not pay your bill. And also, they are not allowed to threaten to sue you for a legal action that does not have any basis. In other words, they are not allowed to make any baseless threats of this nature.


You should write them a letter telling them that they should stop calling your residence and your place of employment.


At least with a letter, they cannot deny that they received it. There will be a record of it and you will be following procedure for dealing with debt collectors engaging in fraudulent practices.


Just remember that when you eventually make them stop calling, your debts will not go away. In addition, you will still be responsible for taking care of them without the harassment of the creditors.


Submitted by benjaminz6 on Mon, 07/11/2005 - 18:43

benjaminz6

( Posts: 256 | Credits: )


[quote=Anonymous]Roxette

Your words are certianly not taken in a bad way. In hindsight I wish I had never learned about payday loans. These types of loans can clearly lead people into long term financial troubles.

Kind Regards,
Victoria[/quote]

Thank goodness you recognize the problems associated with payday loans. they are short term loans with incredibly high interest rates. This is a recipe for trouble.


hopefully, other people will heed this warning and opt to stay away from this Pandora's box of credit.


I try my best to convince people to ignore the flashy advertisements for payday loans. Because they are not the answer to your financial problems.



Fiscal responsibility is the answer. This involves building up a savings and making a budget for the necessary items. Save money for the items that are not a necessity.


I hope this message will get through to those who are considering taking out a payday loan.


Submitted by benjaminz6 on Mon, 07/11/2005 - 18:49

benjaminz6

( Posts: 256 | Credits: )


Hello all,

I received a call from Richard Steele with Ellis Crosby and Associates (the # that showed up on my caller ID was 904-394-7448 however the# left on my voicemail was 800-491-8615 ext 223) He asked me was I familiar with E-Payday and JD Marketing and I told him I believe so. He then verified my address and told me they were seeking legal action in the amount of $2221.50 (this is for a loan for no more than $300 from each company. By the way these both companys use the same bank). He said he was a lawyer and He was just calling to inform me that they were going to pursue legal action. Then he read me something I didn't understand(he used a lot of legal terminology). He then asked me have I ever been in trouble with the law or been convicted of fraud prior to today. I then asked him are you trying to say I'm being convicted of fraud today. He said no that's not what I'm saying, I'm just asking. I then told him I was not answering that question. I then aksed him what was he trying to accomplish today. I asked are you trying to set up some type of payment arrangment. He said no, I'm not trying to collect any money, why would I? I'm just letting you know that you need to get a lawyer so you can try to get out of this. He then told me if I had any questions to call him. I asked him why did he say I needed to get a lawyer and he hung up. I called back and said you told me if I had any questions to call you and ask. He said yes I did. Then I said well why did you tell me to get a lawyer? He then said I already told you. Then he asked if I had anymore questions. I got pissed and just hung up on him. For the rest of the day I was so worried. Thank God I found this site. Now I know they are full of shit and if they ever contact me again, I'm going off! The reason he had me so scared is because he said he was not calling me for the money. Now I know why! They are suspended from collecting debt for 90 days. What a bunch of jerks! Katie, I also live in Texas. If you can help me out. Please let me know. **For anyone out there even thinking of taking out a payday loan, take it from someone who knows.....DON'T DO IT!!!!!**


Submitted by on Mon, 07/11/2005 - 18:55

( Posts: 202330 | Credits: )


[quote=Chenna]Hello all,

I received a call from Richard Steele with Ellis Crosby and Associates (the # that showed up on my caller ID was 904-394-7448 however the# left on my voicemail was 800-491-8615 ext 223) He asked me was I familiar with E-Payday and JD Marketing and I told him I believe so. He then verified my address and told me they were seeking legal action in the amount of $2221.50 (this is for a loan for no more than $300 from each company. By the way these both companys use the same bank). He said he was a lawyer and He was just calling to inform me that they were going to pursue legal action. Then he read me something I didn't understand(he used a lot of legal terminology). He then asked me have I ever been in trouble with the law or been convicted of fraud prior to today. I then asked him are you trying to say I'm being convicted of fraud today. He said no that's not what I'm saying, I'm just asking. I then told him I was not answering that question. I then aksed him what was he trying to accomplish today. I asked are you trying to set up some type of payment arrangment. He said no, I'm not trying to collect any money, why would I? I'm just letting you know that you need to get a lawyer so you can try to get out of this. He then told me if I had any questions to call him. I asked him why did he say I needed to get a lawyer and he hung up. I called back and said you told me if I had any questions to call you and ask. He said yes I did. Then I said well why did you tell me to get a lawyer? He then said I already told you. Then he asked if I had anymore questions. I got pissed and just hung up on him. For the rest of the day I was so worried. Thank God I found this site. Now I know they are full of shit and if they ever contact me again, I'm going off! The reason he had me so scared is because he said he was not calling me for the money. Now I know why! They are suspended from collecting debt for 90 days. What a bunch of jerks! Katie, I also live in Texas. If you can help me out. Please let me know. **For anyone out there even thinking of taking out a payday loan, take it from someone who knows.....DON'T DO IT!!!!!**[/quote]

Okay in the state of texas a LENDING INSTITUTION cannot sue you in civil court, and since this is a NOT a criminal offense( thats what Ellis is trying to say) Check this website out it will answer everything for you
Dont be afraid of them as they are calling your bluff!

Let me know if you have any questions

ITS UNDER WHO CAN SUE IN SMALL CLAIMS COURT
:P

[color=red][size=2][Link made inactive as per forum rules-Mike][/size][/color]


Submitted by on Tue, 07/12/2005 - 07:11

( Posts: 202330 | Credits: )


I live in Bryan Texas adn I have been harrassed by Ellis Crosby and Associates at my job and at my home. I had a payday loan in January of 2005 for 400.00 and I got married in January adn closed my account then and reopened a new account with my husband, at that time I sent a money order to the payday loan company and paid off the loan in full. My mistake was holding onto the money order stub. I received a phone call on July 11th, 2005 from Ellis/Crosby at home stating that they were investigators and that they were going to the courthouse to file suit against me if I could not pay $1,400.00 in full by the end of the day. I got the info on where the loan was taken from and had let them know that I had paid it off, but they did not care and told me that I would be arrested at my place of business and that they were going to call my boss and let them know that I had been applying for loans on the internet at work and we would see how that went over. I tried to come to some negotiation with them due to the fact that I had lost the proof of payment and asked them why I had not received anything in the mail. Their reasoning was that "they did not have to contact me" and when i asked for the number to FSM (where i had obtained the loan from" they told me that it was beyond that point and they were prosecuting me. Please give me advice, I just accidently ran into this sight and am so grateful!!!! I took down the number to the Federal trade commission in which I intend on calling tonight. Can anyone direct me in to what to do next?
[quote=DJC]Nobody can garnish your wages in Texas execpt student loans, taxes and child support, regardless of a court order. What they guys are doing is violating the fair debt collections practices act, which governs the way 3rd party debt collectors operate. I am in the process suing these guys now for harassing a client of mine.

Where in Texas are you?







[quote=Katherine]I had gotten some payday loans, and i was unable to repay them as quickly as the loan companys would like. The intrest rate is 600% or more!
Ellis and Crosby says they are lawyers ( when they are just a collection agency) and they have been threatning to pick me up within an hour, if i cant pay right away. ELLIS and Crosby thinks i am a HABITUAL offender because the loan comapnys are screwing me. But what they dont realize is that these loan companys are charging extra if you dont pay ontime. My orginal amount was $200, Ellis and Crosby racked it up to $560, just so they could file a suit aginst me. Its like they are doing it on purpose. GOOD THING I WORK FOR A LAWYER, and i have been informed. :roll:
THERE IS NO DEBT COLLECTION PRISON!
Ellis and Crosby has threatned to make me loose my job, and talk to my boss about it. In texas they cannot garnish wages without a court order. And they have totally violated a law. [/quote][/quote]


Submitted by on Tue, 07/12/2005 - 17:34

( Posts: 202330 | Credits: )


Well maybe i am, I am glad i found this site. I had a loan from FSM for 300 and ECA is claiming i owe 935. They didnt say it was ECA but i am assuming it is as they have ECA in the division # i am to put on the money gram and everything sounds the same as their call to me. They scared me and i told them i would pay tomorrow but it doesnt sound like i should. Should i go retain an attorney as i plan on filing BK and call them back with the #? Should i ignore them and try to work something out with FSM? Should i call and request papers? What should i do. My loan was in SC and i now live in TN, does that have any effect? Thanks for all the great info. Also, i am on probation for something UNrelated to anything financial, can this or any other payday loans have any effect on my probation?


Submitted by on Tue, 07/12/2005 - 17:55

( Posts: 202330 | Credits: )


Whattodo-
No it wont relate unless you did commit fraud, But they are all telling us the same thing, "you commited fraud"
But we didnt! They are just saying that, unless you did intentionaly do it. I would send them a cease communication letter. Which you can find on BUDHIBBS.COM, They cannot arrest you either, Just tell them to simmer down. And Fsm wont allow you to pay them Ive already tryed to pay mine with them.


Submitted by on Wed, 07/13/2005 - 06:48

( Posts: 202330 | Credits: )