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Ellis Crosby And Associates

Submitted by on Mon, 06/20/2005 - 07:50
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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.


Katie: thank you for the input. I will call them and tell them I know what is going on, etc. Good luck to you...and everyone else.


Submitted by on Wed, 08/31/2005 - 08:24

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You to Barbara! Happy Labor day!


Submitted by on Wed, 08/31/2005 - 08:40

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Does anyone know anything about A S and Associates? I received a call from them saying the same thing about having papers done on me, and faxing the information to my county, and it will show each time that they tried to collect on that one transaction, and that they will treat it as bad checks and have me arrested. Is this true?


Submitted by on Wed, 08/31/2005 - 12:40

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:!: Hello. I just recently got a call from Ellis Crosby and Associates and they told me that if I didnt pay them $740 by tomorrow that I would be facing criminal charges. When I got online to see who they really where, I never even found a website. All I found was that they are being sued by the Attorney General of Florida. I asked them to give me more time and they were really rude. What should I do?


Submitted by on Wed, 08/31/2005 - 12:47

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Toya- These are lies, they cannot do this to you
There is NO CRIMINAL charges in this at all!
dont worry about it, lets just wait it out and see whats going to happen


Submitted by on Wed, 08/31/2005 - 13:52

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VWELLS, I am not familiar with AS & Associates, so I would advise you to do some research on them. Check the internet and yellow pages. Find out what kind of business they are. If they are in fact a debt collector then they are simply a third party attempting to collect a debit and have absolutely NO legal right to file suit against you or have you arrested. Thus everthing they said to you was ILLEGAL.


Submitted by on Wed, 08/31/2005 - 13:54

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TOYA, Ellis Crosby & Associates are being sued by the Florida Attorney General's Office for extorting and attempting to extort more money than legally owed, so I wouldnt pay them a thing until you can validate the amount owed, who it is owed to and their right to collect it. Next time they call ask them to send you this information in writing. By law, they are required to send you something within 5 days after initial contact if they did not disclose it to you over the phone when they first called. Rest assured they are simply a debt collector and have NO right to file charges against you or have you arrested.


Submitted by on Wed, 08/31/2005 - 14:02

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Toya, you do not require taking the call of Ellis Crosby seriously and do not have to pay anything to them during this time.

Since they have been sued by the Attorney general office of Florida, it is likely that you will have to pay your debt to the creditors or to any other agency who have been legally assigned to collect your debt.

Regards
Roxette


Submitted by roxette on Wed, 08/31/2005 - 14:03

roxette

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Okay! Thanks so much!!!! I thought there was something fishy sounding about all of this!! I am glad I found this website and you guys. :D They called me for the first time yesterday and called me again before I left work and this morning, all the times they have call has been at work. I am going to call them and ask them to send me this information in writing. Thanks so much!!! :)


Submitted by on Thu, 09/01/2005 - 06:33

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Rec'd another call from them on 8/31. I have been in contact with Atty. General in Florida. I wish I had known about all this before I sent them money. At least I don;t have to worry about threatening phone calls from them anymore. For a somewhat intelligent woman, wasn't too bright thinking I would be arrested..panic completely took over...


Submitted by on Thu, 09/01/2005 - 06:46

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My account has already been turned over to a new agency: Elin Collect Edge? Let me know if anyone else has been referred to this company...ironically, after over 3 weeks of no contact from Ellis, some guy tried calling my Mom and telling her I owed them money and that I needed to call by 4pm with my attorney's information...Fortunately, my Mom already knew what was going on with them, so she wasn't freaked out......I just feel bad for the employees, they should have known better then to get in with a company like this, and look...now they are all going to be trying to find new jobs, with ELLIS on their resumes????


Submitted by bewitched_4_U on Fri, 09/02/2005 - 13:32

bewitched_4_U

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The reason I ask is I have someone from E max collect calling me. They say they are in India and it's about the account Ellis had. Anyway, they called me 10 times at work yesterday and twice at home. Today they have called 8 times. I've asked several time that they not call me at work and to validate it because I've already paid Ellis for it. Anyway, they keep calling back. They last time they called I was very blunt and short with them and told them I was going to file harrassment charges becasue they kept calling. The guy was very upset when he got off the phone and apologized up and down. He said it was on an automatic dialer, which they had already told me that, and that they were taking my work number off. Anyway,he said he wouldn't call me at work again and he would get me the information I was requesting. They haven't called in the last hour and a half anyway.


Submitted by Michele on Fri, 09/02/2005 - 13:51

Michele

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Michele....I just received a call from E-max as well. The guy sounded like he was from India but says he was from NJ. I asked him for his address and he put me onhold and then hung up. Do not pay E-max. Let the State Attorney General deal with Ellis first.


Submitted by on Sat, 09/03/2005 - 13:33

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Dale,
They left a message on my voice mail today that says it is the last time they will try and contact me. I did call them back but got a recording that said it was transferring me to a voice mail. I didn't leave a message. I specifically asked them the other day when I talked to them where they were from and he told me they were calling from India. All I ask is that they show me where I owe it. I don't think they can.
Have they called you more than once? They called me the first day twice at home and 10 times at work. The second day they called once at home and it ended up being 8 times at work. Today just once at home. I think that is a little excessive.


Submitted by Michele on Sat, 09/03/2005 - 14:11

Michele

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i just received a call from them this morning. told them i have an attorney and have been in touch with attorney generals office. i did speak with ag office in florida and just received forms from them to file a suite. i know that i cannot be arrested right on the spot, etc. but why do i feel so uneasy about it..thanks for your input


Submitted by on Tue, 09/06/2005 - 09:20

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I felt uneasy too..
But i got over it quickly.... I just recived an email from the Florida Attorney General's Office, saying that someone else is now handaling this case her name is Amy Sams. Has anyone else gotten word on this?


Submitted by on Tue, 09/06/2005 - 10:02

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here is all the info you need:

Collect Edge is the main company that operates out of New Jersey. Emax Financial Group, LLC is a subsidiary of it. I guess they all get a piece of the pie. Emax has an address in New Jersey but the people sound like they are from India and probably are. They most likely has no juridiction to colelct in New jersey. If they can't sell you a bill, you can't pay them. NO BILL = NO PAYMENT!!!!! The information is as follows:

Emax Financial Group, LLC
Suite 300
5 Independece Way
Princeton, NJ 08540
no telephone number

Collect Edge
P.O. Box 217
Piscataway, NJ 08855-0217
tel - 866-350-5696
fax - 732-748-4381


Submitted by on Tue, 09/06/2005 - 10:18

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I am glad I saw this site. I just got harrased by them saying that my payday loan was at $900, and that I had another one at $250, which is strange. They told me that there was nothing I could do unless I paid the $1100 now, and if I don't to get legal counsel. They also said to not contact the payday loan companies, because this would be a form of harrassment, and I have been warned over a recorded line. I also asked to speak to a manager and he said he was a manager. what a crock. what is my best course of action? thanks


Submitted by on Tue, 09/06/2005 - 14:59

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I am just sick right now. I just got a call from Collect Edge. They were very nice, gave me all requested info immeadiatley, they called about the account I paid Ellis in full for. They told me that my account was transferred to them and that the monies I sent to Ellis were not recieved by my creditor. They also told me the debt amount is actually far less than I paid ellis in the first place. I contacted the loan company, the woman I dealt with was extremely helpful, told me they had switched agencies and if Ellis had not updated their records than my account was probably being reported unpaid. She told me that she would contact me tomorrow and get to the bottom of this as I had forwarded her all my payment proof. She was really great.This is making me so sick I cannot even tell you all. I finally contacted my own attorney and he told me not to worry and be clear in my rights. I was. I checked these folks out and they seem to be legit. They also offered payment arrangements, gave me the contact info, web address, address, etc. They were very respectful of all my rights and that was a relief. I just can't believe I was scammed.


Submitted by on Tue, 09/06/2005 - 15:12

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To the Guest...

You need to contact Ted Ellis Crosby & Associates (Investagators haha) immediately about getting proof of the loan that you paid. If they say they are no longer handling the account...mention that you know this and thats why you are contacting them. They'll give you the run around, but maintain your ground. Tell them you sent the money on such and such a date, and the fact that they tried to collect on an account that was far higher than what was owed is wrong. Not only that, but they sold the account to another agency.

Collection agenies buy these accounts (usually for .25 cents on the dollar.

So you need to tell your NEW collection agency calling you that you have paid this. Get a validation of proof. Be sure that you tell them you have paid this, and that only reason you're asking for validation is that you need proof that Ted Ellis sold this account even though it was paid.

Call Mondey Gram...briefly explain the situation to the rep, and that you'll probably need this call to got to the fraud department or a supervisor.

Once when you get everyone involved, hire an attorney. What Ted Ellis did was NOT a mistake. It was something that was ILLEGAL.

He can't say it was a mistake, because BILLERS DON'T MAKE MISTAKES.

I'm in the billing field, and stuff gets checked 3 times.

Let us know what happens next!


Submitted by Teleport on Tue, 09/06/2005 - 15:50

Teleport

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Quite frankly, I don't want to speak to these people at EC ever again. i have contacted my attorney, and this company it is placed with now was really nice and quite helpful. They had no problem listening to me and my frustration, they wanted my receipts sent to them, they were helpful and realistic. I realize that this was no mistake, I got taken. However, this was just one call, not several like with EC, no one calling to harras my family, no threats, nothing but a little confusion on their end due to the nature of this situation. Beside, doesn't it seem that EC is done or at least on the way out? It seems the loan companies went elsewhere probably because of the bad press. I feel ok about my conversation with these folks, and I did owe the loan company, if I end up having to pay it again to be sure it goes to the appropriate place i will. But I hope I can get my original payments returned if they can't get credited. This new company verified that they sent me a letter on 9/2.They were really considerate of my state of mind.


Submitted by on Tue, 09/06/2005 - 16:41

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Before entering into any financial deal it is advised to do an extensive research by checking the listing of the said company in the FTC, BBB and other local government agencies.

If the said company does not have any consumer complaints filed against them, you can proceed further and contact them.

Before you enter into any sort of agreement, make sure that everything is written and there should be no hidden point. If anything is not clearly stated in the agreement deed, it should not be considered as legal and you should not be forced to accept the term later.

Be cautious and do a wise analysis before you sign up the agreement deed.

Regards
Roxette


Submitted by roxette on Tue, 09/06/2005 - 17:30

roxette

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WOW! I just got a call asking me to testify on the case of Ellis Crosby and Associates on Monday. Did anyone else get this call? And are you going?
I want to go but can only go if it is a paid trip.
I am going to call Summer and talk to her about this today!
KEEP IN TOUCH GUYS.


Submitted by on Wed, 09/07/2005 - 08:41

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Oh ya!!! Summer at the state attorney generals office. MY FAULT there!
Yes if it is paid trip i will go. Has anyone else gotten this opp yet?


Submitted by on Wed, 09/07/2005 - 08:49

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I dont know but i will have more information when i get back from lunch.


Submitted by on Wed, 09/07/2005 - 09:38

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I still havent heard anything from the Florida Attorney General's Office regarding my complaint about Ellis Crosby & Associates. I left Summer a message, but she never called me back. I did get an affidavit from the Texas Attorney General's office last week and am in the process of getting it notarized and sent back. I also just received word from my lawyer today that he will be filing my civil lawsuit against them in a federal court on Monday. Should I still send in the affidavit to the Texas Attorney General's office even if I have a lawsuit pending?


Submitted by on Wed, 09/07/2005 - 11:35

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I am a business owner in j ville// lets be real folks.some complaints may be legit but u know as well as i that there are exaggerations from folks that refuse to pay their bills looking for a scapegoat.also disgruntled ex employees & competitors of ellis crosby has tainted this site...dont believe everything u read!! iam not a defender of collection agencys but i am also not a defender of deadbeat bill dodgers.


Submitted by on Wed, 09/07/2005 - 11:47

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I just received a call from Ellis Crosby and they told me that I had to pay 340.00 by friday. If not then they will send my file to the state I live in to press charges under 8-32 statue. Can they really do this??


Submitted by on Wed, 09/07/2005 - 12:26

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Why do people care about this situation if they have nothing to do with this whole thing? It just blows me away
I want to pay my bill, but not to someone who will TAKE the money for them. I want my cash to go to my debt and not some DEADBEAT whos about to be shut down.

The trial consist of PHONE confreneces which i will be attending. Anyone else care to join


Submitted by on Wed, 09/07/2005 - 12:31

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Quote:

I just received a call from Ellis Crosby and they told me that I had to pay 340.00 by Friday. If not then they will send my file to the state I live in to press charges under 8-32 statue. Can they really do this??


They can't because they are undergoing legal action and are out of business. Please do not worry much about this. Read the various posts on Ellis Crosby in this forum to get the latest updates.

Regards
Roxette


Submitted by roxette on Wed, 09/07/2005 - 12:37

roxette

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On a good note, i was contacted by another agency, after i paid this one,however the original loan company was very helpful, I got them proof of payment and they had me removed from there system and the collection agency. There are good folks out there


Submitted by on Wed, 09/07/2005 - 13:02

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Katie, I was mistaken earlier when I said I hadnt received anything from the Florida Attorney General's office. I did get their Affidavit and mailed it off today. Anyways, I would be more than happy to join in on the telephone conferences if they want. However, my lawsuit against EC is being filed next Monday, can I still participate?


Submitted by on Wed, 09/07/2005 - 13:59

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I dont believe that you can participate if you are already involved in another legal matter regarding the same parties.
I would ask Summer.


Submitted by on Wed, 09/07/2005 - 14:49

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what a waste of taxpayers dollars...pay your bills!!if you win a lawsuit good for u. if u loose you should fit the bill deadbeats.


Submitted by on Wed, 09/07/2005 - 14:53

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joe i totally agree with you. ive read some of the post on this site & there are actually people wanting money back from a legit bill that they owed. they are the reason bankrupcy rules are changing.so many bogus lawsuits benefit scummy lawyers & insurance co...bad apples make it bad for the real victims. if i wanted to shake off a bill i would also jump on this bandwagon. lol


Submitted by on Wed, 09/07/2005 - 15:05

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I had no problem paying my bill, and don't expect a dime back but no one deserves to be threatened and harrased to this extent. That is the point of this forum, though I do agree there are people who jump on this bandagon that are obviously trying to skirt the actual debt. If you are responsible for it, than pay it. If we all managed our lives like responsible adults this type of thing wouldn't exist. Both sides have valid points.


Submitted by on Wed, 09/07/2005 - 15:15

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JEN, let me exemplify this for a wider knowledge...The creditors take legal actions against the consumers who do not pay their debts. This is the reason wage garnishment, judgments and other legal actions occur in the law books. This means that the legitimate bills cannot be avoided and the consumers have to face it.

But on the other hand, not all companies work within the legal lines. Therefore, lawsuits are filed and actions are taken against not all but some.

I think that you should not have this feeling that people on this board are escaping from their debt. Instead, you should offer some of the better ways to make their repayment process easier through your experience.

I hope you understand.

Ben


Submitted by ben on Wed, 09/07/2005 - 15:24

ben

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newsflash dale , the attorny gen will not pay your bill for you. also learn to value your credit. the attorney gen knows that there are lots of undesirables & deadbeats trying to jump on the back of this pickup truck...pay your bills dude.


Submitted by on Wed, 09/07/2005 - 15:56

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Joe,
Not that I owe you any explanation...but I paid my bill and I paid more than 3 times what the original amount was. I have no probelm with that, nor do I expect any return of funds. What I do have a problem with is the way that Ellis handled things. We have laws for a reason and no one should be threatened with going to jail, having someone pick you up at work...etc. There are legal guidelines that prevent collectors from acting like this, which is why Ellis is in a suit anyway. Had they acted within the linits of the law, quite frankly, we wouldn't be having this conversation.


Submitted by Michele on Wed, 09/07/2005 - 16:03

Michele

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Michelle iam not defending ellis at all. if proven guilty then so be it. years ago i tried 3rd party collections so i can feel both sides of the spectrum.there are some that understand defaulting on a loan, collection cost..late fees ect..but then there are some with no sense of responsibilty, looking for a free ride with no intent of ever paying anything. stay away from short term loans with huge intrest rates.learn to save and/or budget or pick up a 2nd job. some of these people have real issues. drugs & low lifes claiming to be abused & harrassed.lets be real. lol


Submitted by on Wed, 09/07/2005 - 16:16

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Joe, you make agood point. I myself defaulted on one loan simply because my deposit at the bank was a late post and the debit from the company hit it before clearance. It was in collection before I knew it. Big wake up call. I sold some personal items of value to pay the few remaining loans I had off in full. I can not tell you how much better I sleep at night because I don't have these short term loans hanging over my head. People make mistakes, learn from them is my motto. Pay your bills and find other ways to make ends meet. If you can't afford to pay cash you can't afford it. Use credit wisely and it can be your best freind. Abuse it and it can become your worst enemy and you have only yourself to blame. Thanks for putting a realistic view point forward.


Submitted by on Wed, 09/07/2005 - 16:25

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