Skip to main content
index page

Ellis CRosby & Associates

Submitted by on Sun, 07/31/2005 - 18:24
Posts: 202330
Credits:
[Donate]

Please see the letter bleow that I faxed to Ellis, Crosby and Associates. Please feel free to use it should you need.


May 20, 2005
Mr. Paul Epstein
4494 Southside Boulevard, Suite 200
Jacksonville, FL 32216
Duval County
Dear Mr. Paul Epstein:
Subject: Contact
Effective immediately, I respectfully request all further contact be by US MAIL only. I will no longer tolerate harassing calls at work, nor do I authorize you or your company to contact anyone other than myself about this debt. I request written notice telling me the amount of money I owe and the name of the creditor(s) to whom I owe. Under the protection of the Fair Debt Collection Practices Act, I am entitled to be treated with dignity and respect.
Your collection agency is in violation of the law by their actions stated as follows:

Constant calls to my work place after continuously advising my companies' policy on personal phone calls.
Belligerent, ridiculous, and insulting remarks from you or your staff.
Threatening to get my employer involve, which could result in termination of employment. (Stating I can keep my job if I pay an obscene amount of money within a 2 hour time frame)
Accusing me of fraud and the intent to fraud.
Threatening arrests
Contacting others I work with in regards to this debt.



After checking with the Better Business Bureau, I felt the need to inform them of your collection habits and will file a complaint with the Federal Trade Commission.

**I have filed complaints with all list plus with the Attorney General of Florida. it is my full intention to go to any length to protect the rights I as an american consumer was given. I applaud all that does what it takes to protect their rights, KUDOS TO YOU!


Hi Rich
Welcome to the forums

The letter that you have posted in the forums will help millions of people. The community members will be highly benefited with this letter as they will get guidance from this.

In case they receive any calls from Ellis Crosby & Associates they can resort to the path you have followed. Thanks once again.

Regards
Peter


Submitted by peter on Mon, 08/01/2005 - 02:45

peter

( Posts: 285 | Credits: )


Hello:

Does anyone know the names of clients (businesses) that Ellis Crosby & Associates, Inc. represents?

Please forward names and telephone numbers to uccsales(at)compucred.com.

Thanks,

Dan Woebkenberg


Submitted by on Fri, 08/26/2005 - 08:04

( Posts: 202330 | Credits: )


DAN heres their info

Johnson Chahan Law Group
200 West Forsyth St. #1401
Jacksonville FL 32202


Submitted by on Fri, 08/26/2005 - 13:05

( Posts: 202330 | Credits: )


Ok, so you still owe the payday company that turned you over to Ellis Crosby. They don't and won't deal with you and you don't want to pay Ellis Crosby because of their harrassement and you don't even know if they are giving the loan company the money. What do you do?


Submitted by on Mon, 08/29/2005 - 07:45

( Posts: 202330 | Credits: )


OK, I just wondered, they called my in early July but I was ready for them... they started to harrass me with they were filing a petition in my county and I told them I knew who they were... sent them a C & D letter and haven't heard from them since, but since I still owe FSM $400 and they won't work with me, wasn't sure what to do? I guess I will just wait and see what happens.... o btw, to the guest who is on everyone about paying their debts.... we are trying, but they don't work with you.... so it is what it is...


Submitted by on Mon, 08/29/2005 - 09:46

( Posts: 202330 | Credits: )


I think he should mind his own. And if he dosnt owe debts why is he on the site? And how did he hear about this whole thing?
Sounds like he works for them


Submitted by on Mon, 08/29/2005 - 09:58

( Posts: 202330 | Credits: )


Gee.. Katie, if we apply that logic, you have no business in this thread since in doesn't have anything to do with YOU either. To me, it sounds like you are the typical habitual offender who goes around getting loans and then closing out the checking account before it can be repaid. Point is KATIE: Had you upheld the legally binding contract, this all would be a moot point. But you seem to think you are above the law and shouldn't pay the penalties (which you agreed to in the contract). I don't work for any collection agency and know how to pay my debts, something you OBVIOUSLY don't. Doesn't matter if ellis crosby closes, there will be another debt collector waiting in line to make their money from people like you who don't make good on their loans.


Submitted by on Mon, 08/29/2005 - 10:38

( Posts: 202330 | Credits: )


Katie-
Have you ever heard of Law Offices of Bennett & Deloney? If so, what can you tell me about them? If anyone has heard of them please let me know. They called me yesterday and they said it was an attempt to collect a debt and that they wanted to make an out of court settlement with me and that I had until Aug 31st to pay them. I wrote a check to Papa John's and it was sent to Security Check and Security Check sent it to them. Can anyone give me any feedback or insight. I told them I could send them the money until next friday the 9th but they said that would be too late. HELP!!!!


Submitted by on Mon, 08/29/2005 - 12:52

( Posts: 202330 | Credits: )


Hi

It is nice that you are concerned to pay your debt. Before you start paying your debt, it will be legal if you can exercise your rights as per the fdcpa law.

You can request the collection agency to validate the debt as it is your legal right to know the complete details of your accounts along with all the calculation of the interest charges.

Also, the debt validation letter will provide the original agreement letter stating that the debt has been legally received by the collation agency from the creditors.

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

This debt validation letter is an important weapon so that you accounts are protected from getting misrepresented and you contribute only towards your debt account.

Regards
Roxette


Submitted by roxette on Mon, 08/29/2005 - 14:19

roxette

( Posts: 4009 | Credits: )


This was posted on a website about collection agencies to avoid.

"Hold your nose, get ready to wash your hands, the smell from this assortment of wasted law licenses makes a garbage barge smell like perfume. These are TOXIC WASTE debt collectors, some of the worst in America.

The following individuals are still licensed to practice law in Utah and work under the name of Bennett & DeLoney aka Stinkum & Smelly:

Richard H. DeLoney
Michael B. Bennett
Douglas R. Short
Derek J. Barcla
Michael J. Young

These disgusting low life's, give a new meaning to con-men and scum bags. They are the lowest...of the low!! Vultures, con-men, thieves, dirty, disgusting, wasted law licenses, I can't conjure up a phrase that adequately describes the sheer ugliness and disgust of this group of lawless holders of bar cards and law licenses.

TO SEND THE CEASE-COMM LETTER:
FAX: (801)963-9955


DO NOT DEAL WITH THIS LAW FIRM UNDER ANY CIRCUMSTANCE! THEY ARE LIARS, CON-MEN, THIEVES!

They were recently fined more than $50,000 by the state of West Virginia for ripping people off on bounced check fees. These losers of law must be snorting something that fogs their abilities to count from 1-10, because the way they figure a debt is to add on fees that boggle any rationale thinking individual.

Bennett & DeLoney come across in their letters as nuts and wacko's! They are so far out there that they can't even justify their dealings.

Use the FREE cease-comm letter, get rid of these crazies, they are too far gone!"


Submitted by on Tue, 08/30/2005 - 08:30

( Posts: 202330 | Credits: )


I'm so surprised. I got a call from Crosby Ellis on August 26th about a loan I'd never heard anything of since November. I thought it was taken care of and it obviously it wasn't.

Once again, like everyone is saying, they said I was being charged with conversion theft and colleratal bank fraud. I was mortified all weekend. I haven't been in any trouble before and I just happened to come across this today trying to look up their phone number to call them. They can't put those charges on me right? I'm going to contact the Attorney General in Florida.

I live in Kentucky. I thought this would never be happening. I was so glad I found this before i did something stupid like actually send them the money.


Submitted by on Tue, 08/30/2005 - 09:37

( Posts: 202330 | Credits: )


No one has the right to be insulted..no matter what the reason, but no one would have to worry about dealing with collectors if they actually paid their debts on time. As far as fees and the like, check out ALL of the fine print before you sign a note!


Submitted by on Tue, 08/30/2005 - 12:58

( Posts: 202330 | Credits: )


We do have the right to feel insulted. No one has a right to say anything that can be considered rude or threatening.

Secondly, considering the circumstances, I should feel quite upset and insulted. Other than my car and a personal loan (which I have never missed a single payment on and always paid early by the way) this is the only thing I have in collections. So yay me. And I never took this loan out. I let my husband at the time use my information to get this loan on our checking account. We closed the account and I thought this was taken care of. We have since then split up. All of a sudden I get this call about its not taken care of, I'm going to jail, 350.00 in 4 hours, then it was in a week, or I'm being charged with conversion theft.

At first I acted very calmly, we were together at the time, I benefited from the money just as much, alright, I'll pay it, but I am raising 2 children by myself onmy income, and asked for payments, she then threatened me.

This is the first time I've heard of this. I was terrified all weekend when she called thinking I was going to go to jail, until I talked to my police department and county attorney, then the FTC, BBB, and FL Attorney General when I filed a complaint against them.

So lesson learned. Dont judge a book by its cover, or a debt by a screen name, Guest.


Submitted by on Tue, 08/30/2005 - 14:04

( Posts: 202330 | Credits: )


Please find below the link to the article on the lawsuit against Ellis Crosby & Associates.

bizjournals.com/jacksonville/stories/2005/08/22/daily21.html?from_rss=1

[color=red][size=2][Link made inactive as per forum rules. Please copy and paste the address in your browser-Mike][/size][/color]


Submitted by on Wed, 08/31/2005 - 05:46

( Posts: 202330 | Credits: )


Samantha,

Good for you! And to our guest..I really think you should understand something here. We are not here to avoid paying our debt. We are simply in agreement that the collector has absolutely overstepped its boundaries on how they are collecting. You should not be pre-judging us. We are not looking for a way of escaping our debt only a way in which we can handle our debts in the most orderly fashion. I hope you never have to experience some unforseen circumstance or illness that will cause you to be financially unstable. Never pre-judge people because you don't know the entire situation. Again, we are looking for help in dealing with a company who is trying to collect a debt but is violating the law itself. So don't quote to us about paying our bills when you have no clue of the circumstance. And Samantha you don't have to explain the reason why you have the debt. We are here to help get the issue resolved in the most professional and orderly way.


Submitted by on Wed, 08/31/2005 - 10:40

( Posts: 202330 | Credits: )


He is the only childish person here, and for him to say Im name calling, is a double standard!
Lets move on and forget about this looser. We have other loosers like Invesgator WAKEFEILD to worry about


Submitted by on Wed, 08/31/2005 - 13:53

( Posts: 202330 | Credits: )


A great big THANK YOU to Rich and everyone else who posted all the info on Ellis, Crosby and Associates. What a load off my mind! I began getting phone calls yesterday at my workplace and when I didn't take their calls (because I'm on a busy switchboard) they began harrassing all my poor co-workers!!!!!!! I've dealt with difficult creditors before, but nothing like this. They began telling my co-workers that I was wanted for fraud and today when I came back from my lunch break, the girls in HR told me that he called again and was incredibly rude to them and told them that he was coming to my work when he's in FL and I'm in CA! Unbelievable! I immediately contacted the FTC and the Attorney General's office and filed complaints. Then I did an internet search on the company and this was the first site that popped up! Thank you to everyone who shared their stories...it sucks that we've had to go through this, but comforting to know we're not alone!


Submitted by on Wed, 08/31/2005 - 15:38

( Posts: 202330 | Credits: )


Yes km, we all should be very thankful to each and every poster who posted their comments in this forum and kept us updated about Ellis Crosby.

You can also share your comments with us and you will feel the pleasure by interacting with our other community members.


Submitted by ben on Wed, 08/31/2005 - 15:58

ben

( Posts: 2034 | Credits: )


Yes, yes big THANK YOUS!

I literally was looking for their name on yahoo to find out their address to contact them, when I found all this information. I can only imagine what would have happened if I wouldn't have looked for this info and just called them back to try and make a payment. I've already contacted attorney general and they are sending me an affidavt to sign and take care of.

Its horrible what this company is doing to people.


Submitted by on Thu, 09/01/2005 - 05:21

( Posts: 202330 | Credits: )


This is so interesting that I came across this information. I just got a telephone call at work this afternoon from Ellis Crosby and Assoc. the call totally blindsided me. I am certainly glad that I looked up who they were because the woman on the phone would not release information. When I asked her if she was a paralegal she responded to me that she was a resident of the state of FL. Well, I appreciate knowing her residency and all but I wanted to know who the heck she was and why she interuppted my day. When I expressed to her that I was accepting responsibility for my debts she was a real treat to talk to!! She told me if I did not pay some 4K by the end of the day today that I was going to lose my job. Thanks to the gentleman that wrote that letter at the beginning. It was helpful. Have a great day and best of luck to those trying to get out of debt. The choice for me is debt free. But it happens slow and steady- thats how races are won right?


Submitted by on Wed, 09/07/2005 - 14:25

( Posts: 202330 | Credits: )


Hi Lynn

Welcome to the forums. Now that we all know about the legal actions faced by Ellis Crosby, there is hardly anything left from their side to be done on the consumers.

Those who don't know much about Ellis Crosby will gather the necessary information from this site and react accordingly.

Once again, thanks to all the community members for bringing awareness to all of us.

Regards
Roxette


Submitted by roxette on Wed, 09/07/2005 - 14:32

roxette

( Posts: 4009 | Credits: )


Thanks! I am currently working to get myself out of my debts. Does anyone have any suggestions on where to start?


Submitted by on Wed, 09/07/2005 - 16:01

( Posts: 202330 | Credits: )


Hi Lynn,

Making the first move, you can register yourself in this site. The consultant will help you in easing your debt related problems. He will be offering you professional counseling which will help you to make your repayment process easier.

All the bills will be combined into one loan amount and this program will eliminate all the financial charges and the late fees.

Once your payments are complete with the creditors through the debt consolidation company, you will be able to see the substantial results in your credit report. Your credit scores will increase and you will regain your financial worthiness.

I have taken the benefits of this program and have seen significant improvement in my credit report.

You too can take the expert advice of the trained consultant.


Submitted by ben on Wed, 09/07/2005 - 16:15

ben

( Posts: 2034 | Credits: )


thanks for the website, how do I know this is not some sort of scam? I do not want to do anymore damage to myself.


Submitted by on Wed, 09/07/2005 - 18:08

( Posts: 202330 | Credits: )


Hi Lynn

debt consolidation Care has business partnership with reputed consolidation companies only in the entire United States.

This company has a good standing in the market and I am sure you are familiar with the quality of help offered in this forum.

You can go ahead and make your wise decisions.

If you face any problem, just let us know.

Regards
Roxette


Submitted by roxette on Thu, 09/08/2005 - 11:50

roxette

( Posts: 4009 | Credits: )


Much like most of you on this site, I just found out this agency scammed my mother. They threatened to press criminal charges against her for phone & computer fraud. Most importantly, they only gave her a few hours to make the payment by and even went so far as to wish her luck.

When I got involved they changed their story to bank fraud. I have since spoke with both parties to get info.

In my mother's case the loan was given, 30 days later the repayment was made; however, PB continued to debit her checking account a monthly fee of $90. My mother was unaware that she was still be billed monthly by PB for a debt that was already paid. Five months later she cancels her bank account, gets a call from Ellis threatening her for default of her loan. When she did nothing, they stepped up their game. I have informed Ellis of the situation regarding them fradulently attempting to collect on a debt that doesn't exist. They still insisted they were going to prosecute my mother.

I have collected information on my own about Platinum B. Thanks to this website I now have info on who Ellis is.

Tomorrow my mother is going to file a complaint with the Texas Attorney General's Office. I have drafted a 5 page letter documenting the incidence. From what I can gather from this site Florida has already filed suit, and consumers have filed with their attorney general's office in Maryland and Calfornia as well. I am going to pass this information along with the Texas complaint. Additionally, my mother will be filing a complaint with the FTC. I had advised her to do this all prior to finding this website. If anyone has any additional info regarding these parties

Collaberative efforts of many is the only way to put a stop to these scrupulous business practices. Not everyone offering loan assistance is out to scam you, but the few who are need to be stopped.

More details regarding my mothers loan. Her loan was for $300, she was told she would be required to pay back $480. This agency collected $840. When the bank account was closed Ellis told my mother she owed them $755. This must not gone unpunished. I will see these people pay even if I have to obtain an attorney on my mother's behave.

Hope this story helps others out. Buyer beware.

[color=red][size=2][email removed as per forum rules-Mike][/size][/color]


Submitted by on Thu, 09/08/2005 - 20:40

( Posts: 202330 | Credits: )


Did your mom make arrangements to pay in full or did she roll over the finance fees and this is how she got to the 480.00? If she continued to pay finance fees and didn't inform them in writing that she was paying in full, than they would deduct the finance fee and the loan principal would not be paid down.


Submitted by on Fri, 09/09/2005 - 03:11

( Posts: 202330 | Credits: )


Most payday loans will refinance up to 5 times before they start taking the refinance charge plus $50.00 towards the loan. If you dont notify them you want to pay down or payoff, then all they take is the refinance charge. I learned the hard way, a $300.00 loan ended up costing me $935.00 by the time I paid it in full.


Submitted by on Fri, 09/09/2005 - 10:51

( Posts: 202330 | Credits: )


Hello and Help:

I had taken out two separate payday loans back in 2004. I received a harassing and threatening phone call last week from a representative of Ellis, Crosby & Associates indicating that they represented "E Processing" and "EP Processing" whom I took a pay day loan out with in 2004. The loan with each company was $300. Back in July 2005, I received a threatening phone call at my work from Ellis, Crosby & Associates indicating that I owed a total of $935.00 to them for the $300 pay day loan taken out with "E Processing." I made a verbal agreement over the phone with them (Ellis, Crosby & Associates) to send $600 that day via money gram in which I did send the money, and as I understood, the representative told me then that if I paid the $600 through money gram, that this would settle the account and I would be marked "paid in full."

As indicated above, I received a telephone call on September 5, 2005, from Ellis, Crosby and Associates indicating that they represent "E Processing" whom I owed a total of $342.40 (this is the company where I paid Ellis, Crosby & Associates $600 via money gram to settle the account back in July 2005), and "EP Processing" whom I currently owed $935.00 ($300 loan plus fees, attorney fees, etc.). I received the call at work in the afternoon around 3:00 p.m. and was told that I owned a total of $1,277.40 to them for collecting for "E Processing" ($935.00) and "EP Processing" ($342.40); that I had approximately one hour to let them know if I would be able to make the payment in full of $1,277.40 or they would have me arrested on writing bad checks, conduct a scan and send a subpoena to my place of employment forcing my employer to pay the balance owed and that I used my computer at work to apply for the loans which is considered personal gain; that my employer would fire me immediately; that I would get arrested on bad check charges and fraud in the State of West Virginia, and that my life would be over. I starting to cry out of fear of losing my job -- I am a single parent of two and the pay day loans were taken out on good intentions to help me pay a couple of bills in 2004 as applied for. After consulting with family members who helped me, I was able to send Ellis, Crosby & Associates, on September 5, 2005, a western union quick collect payment in full of $1,277.40. The representative then called me the next morning to verify that payment had been received, that no charges would be brought against; that they would contact the two lenders to let them know that they have received payment in full; and that the files with their office has been settled and closed.

Well, something ironic happened that same day. I received a telephone call from a Mr. Eric Pitts who works for a collection company "BMG Consulting" who represents "E Processing" for the same exact pay day loan that was taken out by me in 2004 that I paid in full to Ellis, Crosby & Associates. They indicated that I owed them a total of $810.00 ($300 for E Processing, and $300 for EP Processing, and the remaining $210 which represents their collection fees and costs.) I told this gentlemen that I had already paid these accounts in full to Ellis, Crosby & Associates in the amount of $1,277.40. He proceeded to tell me that Ellis, Crosby & Associates were being sued; that they were illegally collecting from consumers like me by threatening to have me arrested, lose my job, etc., and that they are the collection agency for "E Processing" and "EP Processing"; that these companies had fired Ellis, Crosby & Associates from doing any collection for them since they were being sued. I then placed a call to Ellis, Crosby & Associates and explained to them that another collection company "BMG Consulting" is asking me to pay them for the exact loan that I paid in full to Ellis, Crosby & Associates. Ellis, Crosby told me that BMG Consulting were fired from the two mentioned pay day loan companies and were upset because they are losing out on making money on collection fees. I placed a call back to BMG Consulting and explained this to them. They said Ellis, Crosby & Associates were lying and Ellis, Crosby & Associates said that BMG Processing was lying. BMG Consulting told me that if I could get a letter from Ellis, Crosby & Associates indicating that I had paid both accounts in full, that they would not proceed with any collection attempts from me. Ellis, Crosby & Associates faxed me a copy of the Notice of Accounts paid in full and they also faxed a copy to BMG Consulting.

The representative from BMG Consulting claims that I would never get a settlement paid in full letter from Ellis, Crosby & Associates, and that the 2 pay day loan companies would never get their money. I did get a faxed settlement letter from Ellis, Crosby & Associates, but how do I know if "E Processing" and "EP Processing" have received the money? Can some one advise me of my legal rights. Could Ellis, Crosby & Associates have me arrested for writing bad checks even though these loans were done over the internet online and no checks were written nor any check numbers given? Could they have subpoenaed my employer and had me fired? Why is Ellis, Crosby & Associates and BMG Consulting in a disagreement over who is the real collection agency? Should I contact an attorney over this matter? What were or are my legal rights? Help me.....


Submitted by on Mon, 09/12/2005 - 11:37

( Posts: 202330 | Credits: )


No, they cannot have you arrested. If you have not written any checks at all then you are fine.


Submitted by on Mon, 09/12/2005 - 12:08

( Posts: 202330 | Credits: )


In a situation like this I would actually recommend speaking with an attorney. You might need to not only speak with them, but hire them. Ellis, Crosby & Associates (these are not two people, but instead one person; Ted Ellis Crosby) are under investigation for unethical practicing. I'm sure this will still stay on your credit report untill your attorney helps you, or you do some major leg work.

Sorry to hear about the problems you are having. Keep us posted on what happens.


Submitted by Teleport on Mon, 09/12/2005 - 12:28

Teleport

( Posts: 1388 | Credits: )


Sounds like everything was done via western union, paper trail. Problem is that Ellis could say it was for payment of another debt, he said she said. Not sure if the faxed letter Ellis sent you was detailed to show which account/loan was paid in full. If it does you have enough documentation to show the loan was paid in full.

I would contact the Better Business Bureau in your town to report what happened. Write them a letter and let them work on your behalf to help resolve the situation. I would also probably file a complaint with the state of Florida's attorney general office for Ellis's collection methods. You should also file in your own state as well, W. Virginia's attorney general's office. Hopefully one of these agencies can clear up this mess without a blemish on your credit report.


Submitted by on Mon, 09/12/2005 - 15:26

( Posts: 202330 | Credits: )


Also most attorney's will work free till the case has been settled. You might even be entitled to your money back. I know, I know...you actually owe on that loan, but in this case you were being charged high interst fees -- what they claim as court fees. Plus---not only that, but they sold your account again to get money for it. So if you were to pay again, who actually is suppose to refund you. The first collector? Perhaps...depends on what you hear back when you make a complaint and see what your conversation is about when you speak with a lawyer.


Submitted by Teleport on Mon, 09/12/2005 - 15:40

Teleport

( Posts: 1388 | Credits: )


Did you try E Processing & EP Processing to see what they said about whom you should be paying?


Submitted by on Tue, 09/13/2005 - 10:04

( Posts: 202330 | Credits: )


They're going to claim they are owed the money. These accounts get sold cheap. Most I've heard an account costing is $250 for a $1000 account...basically .25cents on the dollar. When they pay that $250, they are going to say you owe us. And you need to pay $1000.

That's how they all stay in business. You'll need to provide proof saying that you paid.

However, if you haven't paid the first company, then E Processing will be the one you pay.


Submitted by Teleport on Tue, 09/13/2005 - 10:11

Teleport

( Posts: 1388 | Credits: )


I received a letter recently from Bennett & Deloney stating that I have a debt with Frontline Educational they also say they will settle the issue for 25.96 , the letter also states that the Firm of B&D has been Retained by E Partner Net. The thing that perplexes me is I didn't know I had this Debt, I have never had any past due balances on anything.I never bought anything from Frontline , I don't even have any invoices from them, I tried contacting Frontline only to have my emails bounce back(due to a full inbox) and my phone calls go unanswered (Just a machine that tells you to call back later) The letter from the Firm also says if I don't do something about it 30 days they will assume the debt is valid and will sue.

Can anyone tell me what measures I should take? I'm not sure how to go about this, I never had to deal with something like this before.


Submitted by on Thu, 09/15/2005 - 13:07

( Posts: 202330 | Credits: )


Have you changed cell phone companies recently?

Or have you disputed any charges on your current plan. What I'm coming up with is a service that is used with cell phones (entertainment feature either billed to your phone or credit card) that will allow you to get user ratings on restaurants, get driving directions, etc...


Submitted by Teleport on Thu, 09/15/2005 - 13:24

Teleport

( Posts: 1388 | Credits: )