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Ellis Crosby And Associates

Submitted by on Mon, 06/20/2005 - 07:50
Posts: 202330
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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.


I paid them money now I cant get in touch with them


Submitted by on Thu, 10/20/2005 - 14:37

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Judy,

Unfortunately, like you, many others have paid Ellis Crosby. Do you have those receipts of your payments made? This will be needed when some other collection agency tries to recover money for this account. After showing these receipts, they will probably update your accounts with the bureaus.


Submitted by roxette on Thu, 10/20/2005 - 16:23

roxette

( Posts: 4009 | Credits: )


what


Submitted by on Fri, 10/21/2005 - 08:39

( Posts: 202330 | Credits: )


Judy

Chances are, your account with Ellis Crosby has gotten sold to another agency for collection...or will get sold. ECA has been under investigation for over charging people on the collection bills, and as well as harassment. In the off chance your account gets sold (so ECA can make more money off you), you'll need the receipts showing that you paid ECA for the debt that was due.

Hope this clears it up for you.

Regards-
Mike


Submitted by Teleport on Fri, 10/21/2005 - 08:47

Teleport

( Posts: 1388 | Credits: )


These people are very rude & now that i had someone help me pay them they refuse to give me the info on
Who they were hired by so that i know what debtor
Has been paid.


Submitted by on Mon, 10/31/2005 - 13:48

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Hi MANUELA

Welcome to the forums.

Do not pay anything to Ellis Crosby otherwise you will be losing the hard earned money borrowed from someone.

Ellis Crosby has been shut down and a class action lawsuit has been filed against them by the Attorney General of Florida. Latest reports reveal that the company has gone bankrupt.

So, be careful before you send any money to the company. In any case, request for a debt validation before you make payment to any collection agency.

http://www.debtconsolidationcare.com/validation.html

Regards
Roxette


Submitted by roxette on Mon, 10/31/2005 - 14:01

roxette

( Posts: 4009 | Credits: )


Ellis and crosby just called me today it has been about a month since they had contacted me i am filing bankruptucy against them and the payday loans and they said they are processing civial charges today at 4:30 pm agianst me for taking a loan and not paying it back and one other thing. I told them i had to contact my attorney about this and my attorney said they are just trying to scare me


Submitted by on Tue, 11/08/2005 - 12:37

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Hi SCOOTERLADY

Do not get scared by the call from Ellis Crosby. As per my belief, I thought that they might have been preparing for the dates of lawsuits against them.

Next time, when people from Ellis Crosby call you, tell them that you are aware of the legal actions against them and would like to pay someone doing legitimate business.


Submitted by roxette on Tue, 11/08/2005 - 13:48

roxette

( Posts: 4009 | Credits: )


I have been through the threatening and abuse with Ellis, Crosby myself. It has kept me up nights worrying whether the police are coming after me while I am struggling to repay this debt. Thanks, everyone! I will probably have a bettrt night sleep tonight that I have had in a long time.


Submitted by on Sat, 11/12/2005 - 03:38

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I received a call today I think from them. I can't get a company name out of them but the number is 904-962-1498. When I pull this up on the internet it is a cell phone. I have already made a payment arrangement with another company that has sent me an actual bill. I have yet to received anything from this "anonomys company". The say they are going to have me up for fraud charges and bring my employer in on it because I used their computer and my work email address. They say if I don't pay $1400.00 by 3pm today then they will proceed with legal action. The legit collection agency says they are competing for my account and have now changed their name to Anthony Galo & Assoc....I am scared to death. What do I do to keep them from calling my employer? Can they call my employer?


Submitted by on Tue, 11/15/2005 - 14:56

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Beware! Anthony Galloway is in fact Ellis Crosby. Do not pay them a dime. They are using illegal tactics to collect money from people. They won't call your employer. Read this forum and file your complaints at the FTC, BBB and the local attorney general office.


Submitted by ben on Tue, 11/15/2005 - 15:22

ben

( Posts: 2034 | Credits: )


They also asked me to wire the info to the Interstate Wire Bureau in Wyoming....I am scared to death. Like I said the phone is a cellular number and I keep having to talk to different people, they claim they are on hold with my state and in the process of pressuring charges for Wire fraud.


Submitted by on Tue, 11/15/2005 - 17:40

( Posts: 202330 | Credits: )


hazeleyez

Welcome to the forums. Sorry to hear of the problems you are having with Ted Crosby. He has no problems avoiding the law. He was in trouble under his other company Ellis Crosby & Associates, and had to file bankruptcy. I'm assuming they kept a lot of they money they received, as many people complained that they were now being contact by a new agency.

The next time someone calls you from Anthony Galloway & Associates, be firm with them. Tell them they are speaking on a recorded line, and that you are asking for their "mailing address". This doesn't mean their location as many collection companies will say they are afraid, and for protection/privacy reasons their address cannot be disclosed. Or you can ask for validation to be mailed to you, and you can then dispute it.

Ask as many questions as you would like. This is your right. Remember...if they fail to read you the mini-miranda warning, they have no right to collect.

Regards-
Mike


Submitted by Teleport on Tue, 11/15/2005 - 20:51

Teleport

( Posts: 1388 | Credits: )


Well its to bad that certain people use these fast cash places for loans when they should know better.

If people would simply pay their bills and be responsible for their actions there would be no collection companies.

I actually went to one of several Fast Loan/Cash companies simply for the reason to find out how they went about collecting money from the people that failed to pay.

I was referred to Ellis Crosby by several of the Fast cash/loan companies, and they said they get results because of the border line tactics they use.

One so called individual stated to me that had a balance due to me " Its only Ten dollars, what is ten dollars" my reply was "Ok if its only ten dollars then pay me twenty instead of the ten you owe me"

I would be sorry to see Ellis Crosby go if that is what becomes of them, because I have used them for several year and got results where other collection companies failed.

Good efforts

Guy_on_other_end


Submitted by on Mon, 12/12/2005 - 09:13

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mom of twins

Yes, you read that right.

[quote=guy_on_other_end]I would be sorry to see Ellis Crosby go if that is what becomes of them, because I have used them for several year and got results where other collection companies failed.[/quote]

If you are having difficulties getting your money back while following the law, then perhaps you should have stricter guidelines on who you loan to. Some people were only at default by accident, then all of a sudden they start receiving the treatment that you agree with.

If you applaud Ted Crosby for the way he trained his employees, and their "illegal" tactics, then you are just as dirty as he is.

Regards-
Mike


Submitted by Teleport on Mon, 12/12/2005 - 12:35

Teleport

( Posts: 1388 | Credits: )


The exact thing happened to me that happened to Enstyle. However, I did not even receive the money. The bank transfer was somehow incorrect. I was right and they were wrong but the "investigator" called my job 7 times in one day and made all kinds of threats! They refunded my money plus the Western Union transfer fee because I was going to contact my lawyer!


Submitted by on Tue, 12/20/2005 - 16:29

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I just received a call from someone at home and the caller ID said James Taylor & Assoc and said the same thing, either have Linda or her atty contact me and gave an 800#. I wonder if they are related to Ellis Crosby and are going under another name. I had a call a few months ago from Ellis Crosby at work and told him the second time he called me not to contact me at work again and he hasn't. I contacted the payday loan company where I had the loan and paid them in full. I do not know what else they could be calling about, but, I am assuming it is the same loan.


Submitted by on Thu, 12/22/2005 - 12:32

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SC Girl

Ellis Crosby has been using many fake names to continue their business. These days, they are calling people from companies like Taylor James, Anthony Galloway and Associates, Interstate Compliance Bureau. All these are fake names used by the same company and you should be aware on how to deal with them.

You have the legal powers to take actions against this company. Put your complaints at the FTC, BBB and the state attorney general office. Many people who have been called by this company have already placed their complaints against them. I am hoping that the Florida Attorney General will take strict actions against them very soon. You can also consult an attorney in this matter and file a class action lawsuit on violations of the fdcpa laws.


Submitted by roxette on Thu, 12/22/2005 - 14:15

roxette

( Posts: 4009 | Credits: )


Well I have one to add to this, I was threatened back in June made payment immediately to them. In Sept. they called me again stating I owed a loan company money, and I questioned them stating that I know I paid this in June....well the threats scared me so I paid it (again). Now today, I get a call from Interstate Wire Compliance stating I owe these 2 loan companies money...they threatened me but are willing to let me pay today. Well, I went back into my receipts and found that yes these companies have been paid!!!!!

Just keep your receipts, they don't seem too. I will be calling the loan companies to check to see if they actually ever got paid from these companies and will forward my receipts to them for proof.


Submitted by on Wed, 01/18/2006 - 10:37

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I am experiencing the same problems with United Legal who is affiliated with FSM Processing somehow. I had someone call me from United Legal yesterday and tell me if I didn't pay them by 11:00 that day, mind you it was already 9:30 that I would "go downtown" meaning jail. I work for a prosecutor's office and I know this is a fraud. I am having this company investigated by law enforcement.


Submitted by on Thu, 02/23/2006 - 19:16

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The most unfortunate thing is everybody is not so well-informed about what is right and what is wrong. It's good that you already know the way they approached you is wrong. But there are people who pay these guys out of fear.

There should be mass awareness about consumers' rights among people. This might stop these illegal activities.


Submitted by stanley on Fri, 02/24/2006 - 09:16

stanley

( Posts: 1639 | Credits: )


Tsayre

Welcome to the forums! Sorry to hear of your recent troubles.

Quote:

I work for a prosecutor's office and I know this is a fraud. I am having this company investigated by law enforcement.


Please let us know on your outcome with this situation. Any information you can provide to us about a dirty company could, in fact, help several others who are being threatened.

Regards-
Mike


Submitted by Teleport on Fri, 02/24/2006 - 14:42

Teleport

( Posts: 1388 | Credits: )


Thank you everyone who has posted a complaint about the illegal collection practices of "Ellis & Crosby" or what ever name they are using these days. My call came from a girl named Tiffany who was the "assistant to the director named Mr. Russell Crenshaw. Once I was connected to him he proceeded to freak me out by saying I was going to be prosecuted for a payday loan that I never took out. The payday loan was actually taken out by a former roommate of mine. I have a police report about the theft and everything. When I asked him if I could send him the police report he told me that it didn't matter because all the banks want is money. The payday loan was through jvc processing and Mr Crenshaw told me it was now turned over to United Federal Bank. I asked him how much the amount of the loan was for and he couldn't tell me. I asked him if I could have the number of the company that originated the loan and he said it was out of their hands now. When it was clear to him that I was considerably upset he assured me that he was on my side and that he would talk to the Director of the fraud division at the United Federal Bank a Mr Bernstein. He put me on hold for 10 mins. then came back with an amount of 805.00. (fees, finance charges add ect) I told him that amount was impossible for me to pay and of course he asked what could I pay. $350.00 is what I told him I could afford. He said he would go in on the low end and see if "Mr Bernstein would go for $300.00 so I could have a little spending money in my pocket until payday. HAHA. He put me on hold again for 10 mins. then came back and surprise Mr. Bernstein agreed. While on hold it occurred to me that the original loan was fraudulent to begin with and the police report shows that so when he came back from putting me on hold a third time I asked him again if I could send him the report. He said no. Then I asked to speak directly with Mr Berstein since he was the one supposedly making the decisions. One more time Mr. Crenshaw "surprised" me by saying that I couldn't talk directly to Mr Berstein because he is a very busy man. I told Mr Crenshaw that I would need a few days to consult my attorney and that I would get back to him. What I actually did was researched online and stumbled across these postings going back at least a year OMG. Seeing that they were supposed to be suspended and still they are trying to collect debts in this manner. Its outrageous and I hope that something will finally be done to put a stop to them and all the other loan sharks and predators of the middle class that get by with blatantly disregarding the law.


Submitted by on Sun, 02/26/2006 - 00:17

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it is illegal for any collection agency to tell you that they are going to put you in jail over not paying on your payday loan. i had someone from a collection agency call me and tell me that i was going to go to jail for not paying on it and i contacted her boss at work to tell her (of course she didnt answer so i left a message), and she has not contacted me at all...
you can not go to jail for not paying on a debt.. the only thing they can do is take you to civil court and sue you and if you do not pay they still wont take you to jail... the only thing they CAN do and MIGHT do is garnish your wages whichfully they are only allowed to take out 10 percent of each paychecks.
dont loose sleep over this non-sense.. its not worth it. just ignore them, and if they intend to sue you, then you have 30 days to make a payment agreement with them and if you fail to do so, then they will try to garnish your wages.. you can not and i repeat CAN NOT go to jail over this!! no matter what! its a civil matter not a criminal matter.


Submitted by on Sun, 02/26/2006 - 16:48

( Posts: 202330 | Credits: )


Quote:

the only thing they CAN do and MIGHT do is garnish your wages


Wage garnishment is a legal process. If creditors allow collection agencies to take legal action against consumer then only they can proceed. Wage assignment is a tool payday lenders use very often to get the money back. Consumers should check the papers of loan agreement carefully because digital signature is not allowed on the wage assignment contract and most of the lenders do this mistake.


Submitted by stanley on Mon, 02/27/2006 - 09:02

stanley

( Posts: 1639 | Credits: )


What do you do when a creditor not only calls you but calls your father in another state or your brother in another state both of whom have a different last name and you havent lived with either one in over 17 years .My father called me panic stricken and so did my brother! They called looking for me but would not tell either one why they were looking for me . Isnt this soom kind of harrassment?


Submitted by on Mon, 03/13/2006 - 08:44

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Mary

Welcome to the forums! Because this collection agency "owns" the account, you're going to have hard times with them. You first need to call the original creditor and find out if they legally own the account. Also make them aware of the agencies tactics in recovery.

Second, send the collection a validation letter, asking to be sent full details on the account. You can even ask for licensing information to find out if they are even allowed to collect period.

Third, since they violdated your rights by devulging information about your payday loan to someone other than you, you're entitled to filing a complaint. You should file these complaints with the BBB, and your attorney general.

Below you will find a sample letter you can follow to mail out to them. Send it certified with signature return. You may also wish to include a copy of the complaint you made.

[quote]Date: Thursday, January 26, 2006

Re: Acct # xxxxxxxxx

To Whom It May Concern:

This letter is being sent to you in response to a tellphone called made to a family member on January 24, 2006. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is
requested.

This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:



  • What the money you say I owe is for;
  • Explain and show me how you calculated what you say I owe;
  • Provide me with copies of any papers that show I agreed to pay what you say I owe;
  • Provide a verification or copy of any judgment if applicable;
  • Identify the original creditor;
  • Prove the Statute of Limitations has not expired on this account
  • Show me that you are licensed to collect in my state
  • Provide me with your license numbers and Registered Agent



At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for
the following:



  • Violation of the Fair Credit Reporting Act
  • Violation of the Fair Debt Collection Practices Act
  • Defamation of Character


If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any
information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not
limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

Best Regards,

Test[/quote]

Hope this information helps.

Regards-
Mike


Submitted by Teleport on Mon, 03/13/2006 - 10:49

Teleport

( Posts: 1388 | Credits: )


So, Katherine, what did you do to work it out with them then? I am especially curious since you work for an attorney what the attorney had to say about it.


Submitted by on Wed, 03/22/2006 - 07:22

( Posts: 202330 | Credits: )


Guest

Are you located in Canada? The laws are different out there, but if you live in the US..then you can send the letter wherever because it pertains to your home laws.

I can attempt to revamp the letter, or search for a letter that will better suit you if you live in Canada.

Regards-
Mike


Submitted by Teleport on Wed, 03/22/2006 - 10:59

Teleport

( Posts: 1388 | Credits: )


I was harrased by them for about 9 months, I contacted the BBB and the florida AG. I now see there is a class action lawsuit filed against them and I have tried the links some of you have supplied but cannott find the appropiate way to be apart of the lawsuit.

keli


Submitted by keli449 on Mon, 04/10/2006 - 10:10

keli449

( Posts: 4 | Credits: )


Is Cash2day4u apart of Ellis Crosby? The number is 1-800-680-2177, I called to get my entire balance in full and a guy named "Jim" who sounds like he is from another country was very unprofessional. He called me "Sweety" 3 times and I asked that he just give me my info. Are they associated with 904-685-5008? It sounds like the same company that handles Platinum B.


Submitted by snucky381 on Wed, 04/19/2006 - 09:45

snucky381

( Posts: 7 | Credits: )


has anyone heard of these people, they called me and told me i had until 11:30 today to send money - 866-489-0979 was the call back number. HELP


Submitted by on Thu, 08/10/2006 - 09:11

( Posts: 202330 | Credits: )


I am an attorney in Decatur,Georgia (near Atlanta). I have a client who contacted me about threats to prosecute her on some unpaid outstanding payday loans. A foreigner called her from 813-322-3459. I am looking for other people in Georgia or preferably in the Metro Atlanta Area who have had problems with this company and would be willing to talk to me or potentially act as a similar transaction witness in the lawsuit I intend to file for violating the Federal Fair Debt Collection Practices Act. Your help in rooting out this problematic company is appreciated.


Submitted by on Sun, 09/10/2006 - 06:54

( Posts: 202330 | Credits: )


everyone who is getting this call should really call jim feagle. my husband and i did. He needs all the information he can get to file this suit. we dont want money from the settlement, we just want this crap to stop. we have more stuff to worry about than just answering phone calls and arguing with don jackson and vin diesel. LOL so please give him a call. he lives in decatur georgia and can use all the help he can get.


Submitted by on Fri, 03/23/2007 - 12:17

( Posts: 202330 | Credits: )


I haven't received a call from 866-489-0979. I receive an occassional email from Shawn Wiggins requesting that I call the number. An old email address is the only way they have to contact me so I just ignore them. Right now, I have another collection agency (Professional Recovery ) calling and harrassing me about payment of a payday loan from Fast Cash. This particular collection agency called me at work and apparently pulled my credit report and was quoting some of the things that I have on my report. She told me that I needed to call them back by Friday to clear up the situation. Needless to say, I told her that they are not allowed to call my place of business, I have not made any effort to call and I do not answer calls from unidentified callers.


Submitted by on Tue, 10/09/2007 - 09:38

( Posts: 202330 | Credits: )


would they be able to take my money out of my account...and leave me with no money for rent??? or would they garnish my wages first?? I called them today and was supposed to speak with a receptionist but all i heard was some weird voice for a sec and then a beep and that was it...total silence. im worried if i should close out my account and put my money in a friends account for a while.


Submitted by on Fri, 07/18/2008 - 17:16

( Posts: 202330 | Credits: )


I just recieved a phone call where the online payday loan collection specialist is stating that he will be calling my Director. Can he really do that? I just spoke to him on the 2nd and I explained that I could only pay $30 per month since I get paid monthly. He refuses to even hear my plea. What do I do? In much despair.


Submitted by on Fri, 02/05/2010 - 07:06

( Posts: 202330 | Credits: )


Hi,
I had the same situation, someone called me stating they were MR. Ellis (however they did not speak very good English) they called me at WORK and proceeded to threaten without even telling me why, the just stated they were calling from California and I had a criminal case against me, that they would get me fired from my job and the police will pick me up on Monday. I tried to ask questions and this person just yelled at me and then he said if you have to speak to me call me at 805 number which turned out to be an invalid number.
I really want to contact them and there is no way of finding a number for them.
Does anyone have a valid number for this company? Or does anyone know of a way to get it?


Submitted by on Sat, 04/03/2010 - 07:13

( Posts: 202330 | Credits: )


And by superb, I mainly mean really good to deal with if you happen to need to make use of your policy". The premiums might depend on a lot of elements, that it's not likely even worth inquiring here.
I'm estimating health care insurance in the Jacksonville area is quite a bit more
Anyway, appreciate your options.


Submitted by on Sun, 11/21/2010 - 06:56

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