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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.




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???

Sub: #21 posted on Wed, 06/29/2005 - 16:03

Unregistered


Hi

The membership of Ellis Crosby and Associates has been suspended effective from June 1, 2005.

Please read this thread.

http://forums.debt cc.com/forums/about2712.html

Roxette

Sub: #22 posted on Wed, 06/29/2005 - 16:50

roxette roxette

(Posts: 4009 | Credits: )

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 Even though their memebership has been
revoked?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

Sub: #23 posted on Thu, 06/30/2005 - 06:38

Unregistered


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]

Sub: #24 posted on Thu, 06/30/2005 - 10:44

Unregistered


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

Sub: #25 posted on Thu, 06/30/2005 - 12:49

Unregistered


[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.

Sub: #26 posted on Thu, 06/30/2005 - 17:29

benjaminz6 benjaminz6
Moderators
(Posts: 257 | 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]

Sub: #27 posted on Wed, 07/06/2005 - 16:46

Unregistered


[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]

Sub: #28 posted on Thu, 07/07/2005 - 07:00

Unregistered


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]

Sub: #29 posted on Thu, 07/07/2005 - 20:08

Unregistered


[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.

Sub: #30 posted on Fri, 07/08/2005 - 05:10

Unregistered


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