Ellis Crosby And Associates

Joe you are absolutely right. Those who have no sense of responsibility, looking for a free ride with no intent of ever paying anything will definitely have tough times in their future. I myself won't favor them and will consider them to be ignorant.

But, not all can be put in that deck. I believe, if not all, but 95% of the people over here in this forum feel the responsibility to pay their past debt. I myself am visiting this forum since quite a few months and I know the tendency of the people here. That is why I have such a strong voice to say this.

keep in mind iam not defending ellis crosby,allen lewis & assoc...osi or any of these headhunters. i just wanted to touch on personel responsibility. i had to learn the hard way about these loans myself. they are addictive..thats why some of these folks had numerous accounts.

Thanks Joe, you have definatley given food for thought. It is those of us who have learned our lesson that wil;l hopefully provoke these others to take a real look at their lives and make some decisions.

I find your response very warm. Thanks for it.

Hi Joe,

Thanks for sharing your opinion with our community members. I hope that you will bring some more light in this forum with your valuable suggestions.

Regards
Roxette

Joe,
You have some very valid points and I hope I didn't come off harsh on on my last post. It's just like you've said, sometimes mistakes are made and people are willing to own up to them. Then people like Ellis come in and abuse people. I had no problem paying what I owed...it was truely by mistake that it ended up in default anyhow. And before I could even get in contact with the loan company they had already sold it to Ellis. When the "Investigator" called me I felt pretty violated, and to my own ignorance I didn't know the laws. I just don't want to see more good people who are owning up to their mistakes be abused by people like Ellis and sorts. Thanks for your comments they are really appreciated:)

Quote:

That was well said mikey. People come on this site downing us for having debts, yet they do not fully read what has been posted. I sound like a broken record saying this, but we wouldn't be here if we did not want to pay our debts. We just dont want to be taken advantage of.

Please remember that some of us did have ok experiences with this company, like myself and have no desire to become part of a lawsuit. The posts are troubling, and though I don't agree that anyone should be treated ith disrespect, the CA's whoever they may be deserve to have all experiences, good and bad discussed. It is my hope that we remember that there are 2 sides to every story and that everyone deserves the benifit of the doubt at least once.

GUest we always welcome to hear all sides of the story. The reason we post on here is so that consumers can be more aware of what type of CA's are out there. This particular one has a lot of negative feedback and people need to be aware of the different tactics used so that are not verbally abused or insulted in anyway.

Your forum is full of info to help consumers as that is admirable, all I am saying is that the root of the problem is financial mismanagement. No One deserves to be treated in a disrespectful manner, but as well personal responsibilty is so important in resolving financial difficulties. These calls are not appropriate, but hopefully these experiences will teach people to slow down and get a grip on their financial situation.

mickey there are millions of all sorts of collection companys out there ,some soft some hard & harsh and unless you use some sort of financial responsibilty in your own personel life , there will be another ellis crosby that u will want to sue & take to court.

Dear TAXMAN

It's not illegal to be in debt. However threatening people with arrest, and harassing them is illegal.

That's all I'm saying.

And yes, when that time comes when someone gets that phone call...there will be several complaints made against that company, and another lawsuit against an unfair collection company.

People realize they've made their mistakes and aren't hiding from paying. But by putting fear in people...do you think that'll make them pay any quicker? Making it where people have to leave work and are afraid to go to their own home? That's what the employees of Ted Ellis Crosby & Associates did?

Financial responsibility....that's what this website is designed for. To help people get out of debt. Not to teach people on how to hide from collection companies.

It is also WRONG for these people to call you and scare the pants off of you and also make you cry to where you are scared to go home, because of the lies this is happening! LET ME TELL YOU HOW FAIR THIS IS!
NOT VERY MUCH

How can anybody, and I mean anybody defend this collection agency? I was hit by them in early July but knew it was going to happen because I read up on them on this site. (I went through FSM, and they won't work with me at all so you tell me who I should pay?) They told me good luck, they were filing an avadavit in my county and would not tell me why... I gave it right back to them... and then sent a C&D letter and haven't heard a word since. They make me sick with everything they have done... I think FSM should be sued to... they had to know who they were working with....

u werent hit by anyone guest. e paid a loan back that u applied for & defaulted on. take some responsibility in your life read contracts with "huge" intrest rates & stop being a victim!!!

Candy since you don't know what you are talking about please don't reply. I was "hit" by them, I was paying FSM on time and because my Credit Union made a mistake and did not put my paycheck in on time, they immiediately sent me to collections (within 1 day) with no explanation. Think before you talk....

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Is their a reason Candy is even on this website, isn't it for people wondering about creditors and collection agencies, not for someone to berate them....

just voicing another point of veiw guest. is this site just for one point of veiw so why the hostility?
you see i too happen to be a big fan of p.r.(personel responsibility)

It's not just for people wondering about creditors and collection agencies, but to learn what to do, learn from mistakes, be aware of potential companies out there to do harm...etc

I would say voice it somewhere else. You don't know the reasons why the loan was taken, maybe it was for responsibility for your sick child and you didn't have money for their medicine so you went to the last place you ever wanted to go.....

Maybe you should go join Ellis

I think people understand that Mikeyindetroit... but Candy doesn't need to voice an opinion like that when she has no idea about circumstances of guest

Candy

Guest is just trying to say mistakes happen. And in some cases not
always their fault. As I mentioned the payday loan companies challenge
the borrower by attempting to take back their funds at super early
morning hours.

And seeing how the loan wasn't paid back it went to Ted Ellis Crosby &
Associates. This collection agency/law firm is practicing unethical
behavior and collection tactics by threatening to put people in jail.

The responsibility was already declared when Guest said:

Quote:

you see i work in finance and guess who suffers when people like some of you default on loans? taxpayers & consumers have to deal with high intrest rates. expecially if my credit score is low.

Candy You make a good point. But please remember circumstances are different for everyone. Folks need to be responsible for themselves and don't take these loans unless you know you can pay them back.

When people who have low credit scores default, they get offered credit cards with high interest rates. They'll probably also have to pay a large down payment on an a lease for a car or an apartment.

When people who have superb credit keep doing what they are doing, then they get a lower interest rate credit card, zero down on a car, offers such as 90 days same cash...

[quote=Candy]AND GUESS WHO SUFFERS WHEN PEOPLE LIKE SOME OF YOU DEFAULT ON LOANS?[/quote]

It is all based on the individual. How someone acts with their credit score has no affect on you whatsoever.

If your credit score is low, perhaps this forum can help you bring it up. We're all here to help each other.

Is there a class-action lawsuit against these people?

Mikey-- once again you brought up a valid point. Noone else's score can affect your credit in anyway.

Candy O, learn how to spell. I as well work in the finance industry.

Ellis and these payday loan people don't always operate within the legal limits of law. I have documention of a loan that was paid in full per the terms & conditions of the loan; however, this company turned over my mother's account to a third party collection agency when she closed her account.

Sure you think you are above it, when's the last time you spoke to your parents? How much do they know about on-line loans? How about your brother or sister? Let these people speak without your 2 cents, prejudicial assumptions about people. If you have something to say, great say it, but don't judge others.

Thanks Ann could not have said it better myself, Candy and these people that come on here all righteous have no idea of the circumstances, and like you said, they are a step away of having it happen to them or their families.....

Let's all remember the reason why we are here, to help each other with our debt problems and get answers to questions so that we can work through them. Ellis Crosby & Associates is the REAL problem here. Granted, they would not have even contacted us had we not defaulted on some kind of a loan, however, instead of attempting to collect the debt in a honest and truthful manner, they choose to humiliate, lie, itimidate and harrass people. That is just uncalled for not to mention ILLEGAL.

They called me saying that the inofmration was going to be downloaded to the state and I will picked up at my place of employment. I called a lawyer friend of mine, he said he will call them.

All of you have had problems with them

So, it's Friday and I am sitting at my desk minding my own business, when I get a call from our favorite collection agency Ellis Crosby & Associates! Spoke with Amber Williams, who informed me that they were ready to download court papers to my county to have me served with warrants concerning bad check and "conversion" charges. She said the company name was "Cash Options," who I swear I have never heard of, and I told her so. I told her I would call her right back on my cell phone so I could speak freely....and called Summer Saladino at the FL Attorney General's office for advice, since I have already filed an affidavit regarding 2 other contacts I have had with this company. She said to mention to them that I was in contact with her concerning their company. So, I called Ms. Williams back and after she spoke her piece, I told her that I would require written validation of this debt before I could discuss any repayment arrangements with her, and of course she got all snotty and how we could just keep this simple, blah blah, but I stood my ground :lol: I just kept my cool and kept informing her of my rights under fdcpa and she kept talking and saying nothing of substance, and finally she gave up and said she would transfer me to their "legal" department, and I said that would be great, thanks, in my most cheerful voice! :twisted: Got transferred to Robert Wood, who was much more reasonable....after I told him I was familiar with my rights under FDCPA and my contact with Summer, he said he will ensure that I receive written validation and I said I would call them back after I receive it. Further, since I am being told I owe $515, and of course do not have it right now, I asked if they would be willing to work out a payment arrangement if indeed this is a legitimate debt, and he said sure! SO....thanks, Summer, for the advice, and thank you to all for listening and advising...when I think back to how shaken up I was when they first contacted me in April, to how confidently I was able to deal with them today, I am humbled and grateful for you all and for this website. Blessings, Melissa :)

Tippy- THAT is SOOO great that you are having some kind of luck with them!
GOOD LUCK :) And thats comming from the consumer side not EandC
:)

Hi Melissa,

I appreciate the way you dealt with them without losing your nerve. That is how we should handle this kind of situations.

Thanks for sharing your story.
Bryan

There are people who are nice and will work with you. Please remember this is their job. Show concern and respect and it would be a hope that that is returned. Every one deserves a second chance.

I think that constantly talking about these folks is scaring people. The reality is that some folks had a bad experience, some had a fine experience. It is like that in all walks of life. I paid my debt. I'm letting it go, learning from it, and not obsessing about it. I was treated fine by this company. I acted respectfully and intelligently, I was treated relativley the same way. I hope that the outcome is one that is fair to all, the consumers and the agency. Please remember the point is to pay your debt and do it as quickly as you can. I will excuse myself from these forums in the future and say I have learned alot of lessons.

Some folks were fine because they stood their ground. The actual training process of these people were to actually make threats of arrest.

I wish I would have had a good experience dealing with these folks the first time they contacted me....but they threatened, bullied, and generally abused me verbally until I sent them the money they demanded....I WAS scared and uninformed as to my rights. Because I did take out payday loans, and then had problems with repayment, I almost felt like I deserved this illegal treatment, sort of like a penance, I guess (should get a shrink, I think!). However, this forum has given me the knowledge, strength, and advice to deal with them in a much more constructive manner. It has also made me aware that I am NOT deserving of harrassment just because I have debted. None of us are perfect, this happens to be my character flaw. ANYWAY....sorry to bend your ear, just needed to vent. Ellis Crosby still is stinky, but I don't have to let them get to me, and because of this forum, I know that....thanks! Blessings, Melissa

Just trying to say there are two sides to each story and each desrves to be heard. Each of us desrves the right to our opinion. It is very good to be informed and hopefully we will all learn something valuable in the end.Best of luck to all of you. Both consumer and agent.

I think we here agree guest, that both sides need to be heard. But we are not classifying every CA as ignorant or harassing. It just seems that we are being classified AS dead beats! No matter how it is looked at. Which is not the case. But there is actually a third side to the story-- the truth!!!! :)

cmturner007@sbcglobal.net

Yes there is a class action suit pending against them.

You can view some of the documents here:

myfloridalegal.com/webfiles.nsf/WF/JFAO-6FKGTU/$file/Ellis_Crosby_Complaint.pdf

you will need adobe reader to view the documents.

I received a call from Shannon Moore. She said I had 2 hrs. (till noon) to pay or first thing monday morning I would have files chard against me. She said they were a litigation office not a collection agency. Help!!!

Freaking out,
They pretty much did the same thing to my mother. In fact they are a collection agency; however due to the pending litigation against them they were stripped of their collection rights. Shannon is careful to not identify her agency as a collection agency, that would worsen the case against them.

Call the Florida's hotline, leave a message and wait for the attorney general's office to return your call. Tell them everything you know, give specific details. The more detail you have the better the case against them.

Ellis crossed the line when they threaten to arrest people. There practices have been unlawful and this is way they are under investigation by the state of Florida (where they operate out of). Do not pay them anything at this point. When the case is turned over to a legitimate collection agency, then offer to set up payments with them to pay your debt off. If you pay Ellis, they will not give you a receipt telling you that your debt is paid and could potentially sell your debt to another collection agency who will then start hounding you to pay your debt (which you have already paid 1 with Ellis, but have no records to prove such). Ellis will probably just say all they collected from you is interest & service fees not the original debt.

Tell them to stop calling you at home & work, request them to only contact you by mail. Make sure they have your mailing address and ask them to mail you a debt validation letter. Stay strong when you speak with them. Don't let your emotions take control and treat them with respect as you would want to be treated. Shannon Moore spoke to be very politely and I got allot of information from her that I was able to turn over to the attorney general's office. Her actions/threats are just that. Inform her to do her job, if she needs to file paperwork against you then so be it (legally all she can do is to report it on your credit report, she can't have you arrested for anything). You, on the other hand must report it to an agency. Preferably the attorney general's office, the BBB, etc. Let those agencies assist you in resolving the situation. Remember you still owe the debt, this doesn't excuse it, but until it is being handled by a legitimate collection agency...don't pay anything to them. Hope this helps you out. I got a friend of mine give me some advice prior to calling Shannon on my mother's behalf. I knew what I thought was legal, per the law, just wanted someone else's opinion of what was legal & not from someone who knew the laws.

This is an excellent site to get advice. The moderators are very knowledgeable regarding the law as well.

I read all the posts, but I still don't feel reassured..

That's how they want you to feel, annmarie...I know it's kind of freaky...like invasion of privacy or one's personal "bubble"--but sadly, it's the new form of crime.
I believe they are about to be involved in a lawsuit...:-) Hopefully they get creamed!

It is horrible...all I want to do is pay the debt off..I don't want to be threatened or pushed into a unreasonable amount in one shot...I have already paid $400. But they don't want to do arrangements on the rest.

hey your free to call at any time 904-612-4553

thats funny. maybe we should have a confrence with ted crosby lol