Share post
member profile picture

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.




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:

Sub: #41 posted on Mon, 07/11/2005 - 13:31

Unregistered


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

Sub: #42 posted on Mon, 07/11/2005 - 14:11

roxette 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.

Sub: #43 posted on Mon, 07/11/2005 - 18:32

benjaminz6 benjaminz6
Moderators
(Posts: 257 | 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.

Sub: #44 posted on Mon, 07/11/2005 - 18:43

benjaminz6 benjaminz6
Moderators
(Posts: 257 | 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.

Sub: #45 posted on Mon, 07/11/2005 - 18:49

benjaminz6 benjaminz6
Moderators
(Posts: 257 | 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!!!!!**

Sub: #46 posted on Mon, 07/11/2005 - 18:55

Unregistered


[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]

Sub: #47 posted on Tue, 07/12/2005 - 07:11

Unregistered


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]

Sub: #48 posted on Tue, 07/12/2005 - 17:34

Unregistered


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?

Sub: #49 posted on Tue, 07/12/2005 - 17:55

Unregistered


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.

Sub: #50 posted on Wed, 07/13/2005 - 06:48

Unregistered


Attachment
More information
  • Files must be less than 500 MB.
  • Allowed file types: txt pdf jpg jpeg png.


Page loaded in 0.916 seconds.