Ellis CRosby & Associates

No never anything like that I have been with Nextel for over 2 years and I haven't changed my plan.

Would it be alright to send a letter to Bennett & DeLoney asking for proof that I owe this?

well this is nothing you would sign up with Nextel with.

you go into tho web menu and you join it on your own. It'll ask you for a credit card or billing info.

This may not even be right Frontline Educational Products...

hmm...I'd just wait for validation I guess. Have you requested that yet?

Have you checked to see what's on your credit report that may be similar. The company could have changed names too...

Wait for Validation how? Should I send a letter to B&D requesting Validation?

I have not checked my credit report, I;m not even sure how to go about doing that?

Yes, it is your right to request information to validate the debt. Once you send the letter, by law they must cease and desist all collection attempts for 30 days. In other words, you have 30 days to respond to them and let them know if the debt is valid.

The following is an example letter of how you go about it:

Your Name
123 Your Street Address
Your City, ST 01234

ABC Collections
123 NotOnYourLife Ave
Chicago, IL

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on _________________. 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, in writing, 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.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

Your Signature
Your Name

I love the street name...

NotOnYourLife Avenue

Excelent thank you,but somethings in that letter are not true, I wouldn't take legal action over this, I don't even have a lawer, It should also be noted that B&D has already tried calling me once.

Sorry anime2bfound

Quote:

Thank you Mikey and others you have been most helpfull. hopefully after I send this letter they will back off. Because I don't think this claim has any truth.

Anime2bfound: Cut and paste the letter to your specific situation. The main thing is requesting the information you need to validate the debt. All the other stuff refers to your rights and if they violate them in any form or fashion all you are saying is you wont hesitate to bring legal action against them.

More than likely once they receive your letter, they will comply and send you what you need to validate the debt.

I copied the letter and sent in on Friday. This morning, I receive another phone call from Ellis Crobsy. I ignored it. I just want to know if this is the right thing to do. Is there anyway to get them to quit calling me? Thanks

whitetigerwy

Did you send the letter certified. They may not receive it till today or tomorrow...if you sent it Friday.

Whitetigerwhy:

Sending the letter is your legal right and it protects you from illegal and abusive collection agencies like EC, therefore it is the right thing to do. All you are doing is requesting information regarding the original debt so that you can validate it as well as their right to collect it. By law, they are required to comply with your request and CAN NOT engage in any further attempts to collect the debt until such time they have sent you the information and you have contacted them back regarding your investigation. The letter included a cease and desist order as well, so when they receive your letter, they should stop all collection calls. BUT, it doenst mean they will.

I got them to stop calling me by sending a formal complaint to Ted Crosby himself explaining I intended to take legal action against his company because of they way I was treated. I sent it certified with return receipt. I got the receipt back a couple days later and have not heard from them since. I also told the guy harassing me that I was recording him, he got pretty mad about that and hung up.

If I were you, since you have sent them a C&D and request for information to validate the debt, if they do not comply with EITHER, DO NOT PAY THEM ANYTHING! However, more than likely they will not send you what you have asked and they will continue to call. In that case, you will have no choice but to call an attorney to get them off your back.

I mailed B&D the letter you recommend on the 15th of this month. I have not gotten a call from them for a week, but this morning they called again, bright and early at 6:50am the last time I heard from them was on Saturday Sep 17th at 7:00am.Why are they still calling me after I told them to stop? Why are they going through so much trouble for $25 that they can't even prove I owe?

Anime, I guess, you must have sent the letter to Bennett DeLoney through certified mail. It must have happened that another person who is unknown to this fact might have called you.

If it is required, you can again send a copy of your cease and desist letter with the copy of the CMRRR receipt number and inform them about your displeasure.

I got a phone call yesterday from a collection agency stating that I still owed money to a payday company. Someone from Ellis Crosby called me a work threating to have me arrested and sending people to my place a of business. So I went ahead a paid. Now I receive this phone call telling me I still owe the same company money. Help

Deirdre

If you saved your confirmation number or your receipt from the payment you made to Ellis, then that is all you need.

Is this another company that is calling you?

If this is another company all you need to tell them is that you made payment to them, and they might ask you to fax them the receipt.

I would recommend placing a complaint anyway. Threatening arrest is against the law, especially since Ellis Crosby & Associates have no power to do so.

They are already under investigation for unethical collection practice, and embezzlement. They'll charge high interest on accounts, get paid --because they're threatening people, and then reselling the accounts to another company.

Place your complaint with Summer with the Attorney Generals Office and with the Better Business Bureau.

Sorry you didn't find this site sooner....

Regards-
Mike

I have a letter from them also, they are rediculous, when i tried to ask them about the fees they told me they were regulated.

Deirdre,

It might have been possible that your credit file has not been updated with the bureaus even after the payment was done in full.

Send a letter to the company whom you earlier made the payment explaining the situation and ask them to update your credit file with the bureaus. Once your account is updated as 'paid', all the worries relating to it will disappear.

Mike,
This is another company that is calling me and when I told them I paid that bill he mentioned Ellis Crosby. When I called them back today to find out some more information, the person I talked to could not even find my SS#. And yes, I do have my receipt from when I sent that payment, which I should mention was almost doubled. Thanks, so much for everybody's help. I hope we can stop this from happen to anybody else.

Do you know that when you open a checking account you are agreeing not to write bad checks? Just because you have checks in your checkbook doesn't mean you have money. If you don't have money in your checking account then don't write checks then you won't have to be contacted by a law firm.

You are the ones hurting the economy by writing bad checks and not honoring them. You are stilling from the merchant..so stop blaming the collection/law agency that is trying to make good on YOUR debt. Don't write checks if you don't have money...that will solve all of your harassing calls. Stop crying and pay your debt, and don't give me the story that you are trying because trying isn't doing.

And before you go getting after me for working for the collection agency???I don't .. I work at an accounting firm and I pay MY bills???Do you?

Okay--so I just posted that last one. I wanted to say sorry. I don't mean to offend. I know that most people don't write bad checks on purpose, but seriously don't spend money you don't have and I think a lot of your problems would go away.

Guest

What a lot of people don't know is that the majority of these payday loan companies will take back their money before your direct deposit is made.

That's where the big problem arises. And when you get charged that NSF fee, it becomes an even bigger issue.

I'm sure that not everyone who takes out a loan defaults on purpose.

However, when the collection companies call and threaten arrest, they are breaking the law. It may be illegal to write hot checks. But more than likely it was an accident.

The collection companies are threatening people, and tacking on even higher interest fees. These companies are currently under investigation for unethical collection practices.

The people who have posted in fear of being arrested are wanting to pay back the loan. However when the collection company is not willing work with you, and tells you no---we need $1015 (on a $500 loan) by 3pm today or you'll be arrested....that's just wrong.

-Mike

The fact is that when checks go to a law office they have been outstanding for more than 6 months...some checks a year. So the check writer has had time to pay their outstanding debt and the merchant has waited long enough to get paid for goods taken.

Payday loans are a different story..you know what you are getting into when you apply for the loan, and you better be prepaid to pay the high fees for the convenience of getting the money quickly???you don't get something for nothing. That just goes back to the fact that you shouldn't spend money you don't have in the first place.

Are they still making threatening calls? I received a call from a M Thomas that I need have my attorney or myself call by 11:00am. I am so sick of these calls from them. Have anyone heard anything?

I owed 2 payday loans. The companies are jd marketing and fsm group. I am permanently disabled and draw $281.00 a month for disability. The first call from cosby and associates went like this. Are you sitting down? Do you have a lawyer? You are being charged with credit card fraud and owe jd marketing group $1130.00 and fsm group $680.00. Both loans were originally $325.00 each. He stated that they were contacting the district attorney and a judgement would be charged against me and i would probably serve time. His name was paul cline. He told me that i had not read the fine line on the loans but would not give me the details of all the charges. He stated that he would not call me again and that i had 48 hours. I got a part time job which i was not able to keep because i stayed in severe pain but before i resigned another man from the same agency called my employer and told them that he was a investigator and i needed to call asap.when i called him he was rude, arrogant and would not give me the details on all the charges. He said that he hoped my children would not turn out like me and be liars and cheats and then hung up in my face. I was in shock and devastated. I had to get medical help because i was so nervous and upset and thought the sheriff would me knocking on my door at anytime. They would not accept any payment arrangements except ones that i could not pay. These people need to be put out of business. I was devasted by their harrasement.

S M SHOEMAKER,

Don't pay Ellis Crosby anything. They are out of business. Instead make arrangements with your creditors. Your money will go towards your debt account. If you pay to Ellis, they will pocket your money.

Read more posts about Ellis Crosby in this forum. You will be able to make strong decisions.

I recently received a letter from Bennett & Deloney for a debt that I do in fact Owe, the problem was that the original Creditor double charged me and that's why I never paid them in the first place. I contacted the original creditor and asked why the sent the account to a lawyer showing a duplicate charge? Well, they finally after a year realized I was telling the truth and said they would fax Bennett & Deloney and let them know that It was a double charge and I only owed for One. I requested confirmation that the from the original creditor that the duplicate charge was no longer, I should be recieving that info soon. Well here is what I find absurd. I contacted Bennett & Deloney to make sure that they recieved the fax from the original creditor, and they said yes. When I told them I would be sending Payment at the end of the week, they tried to tell me they did not accept mail in payments, and if I didn't have a credit card I would have to do a check by phone (even though the letter I received said not personal checks.) or I would have to send the money via Western Union (I Don't Think So!). I told these morons that if they didn't accept mail in payments then why did the letter they sent me tell me I could send a Cashier's Check or Money order? I was given the reply that they had a large mail room and it could take a while for it to process. My reply " So you do take mail in payments and you lied to me. why would you need such a large mail room if you didn't accept mail in payments?" Well I finally told them how it was going to be. I said that I would mail a payment by cashier's check overnight so that I could track and see when they received it and could have record of it. I told them that according to their letter I had 30 days to dispute so my payment and gave me no deadline on when I needed to pay. No where on the letter did it say that this account was due on receipt of the letter, and that they would get it exactly when I said I would send it and no sooner ( They wanted it that same day.)

Hi Jami

It is a very responsible action from your side that you wished to track your payment till the time it has been posted to your account. Make sure that you get the proper receipts after it has been paid. Also, it should be updated in your credit report. Ask the collection agency to update your credit report with the three bureaus. Thus, this account will be shown as 'Paid' and will give a good view to your credit.

Regards
Roxette

Oh,believe me I let both parties know that I was going to get all the proper receipts from both of them. the original creditor said they already requested it off my credit report, so I also requested an official investigation be done on the duplicate account so it will be taken off my credit report. I let them know that it's not them watching me, but it is now me watching them. I have a feeling Bennett & DeLoney are going to try and some how get me to pay the duplicate charge (One minute they said they recieved the fax from the original creditor showing the account was a duplicate, and the next they were trying to say they couldn't take the charge off until I pay the original charge.)

Quote:

I want to thank all of you who post on here. I was scared by Ellis Crosby in August, and paid a debt that I have no way of telling it was mine. They called again and threatened me recently and I found this site as well as the lawsuit that's pending. So I am trying to contact the 2 creditors that Ellis is saying I owe a lot of money to, and am having no luck with locating the phone number to JVC marketing. Also could anyone tell me who FSM group is?

FSM is a payday loan company. 866-516-9300 Fax # 866-516-9700. I don't know JVC Marketing. I am dealing with one call JD Marketing.

It's happened to Me

Whoever your creditors maybe, but you don't need to pay Ellis Crosby anything. As they are undergoing legal actions, so they will not deposit your money to the debt account. Another collection agency will try to contact you later for recovering the same debt. You might end up paying twice this amount.

Tell Ellis Crosby that you are aware about their legal actions and refuse to be contacted on phone. Send them a cease and desist letter to stop contacting you. If they still do, consult your attorney and file your complaints at the FTC, BBB and the state attorney general against them.

They harrassed me too at work. I sent a scease of communication letter and I filed a complaint with the better business bureau and of course Ellis, Crosby did not reply. However, My account was turned over to a different collection company who is working with me. Much better !

Thanks Kathryn, Ellis Crosby gave me the name JVC Marketing, on their last phone call to me. I can't seem to locate a phone number or anything about them. I want to validate the debt, but I don't know who this company is.

It's Happened to Me

Have you checked your latest credit report from the three bureaus? These accounts might be appearing there. You can contact the companies listed in your report. It will be much easier.

Regards
Roxette

Thought you all might like to see what Ellis, Crosby & Associates think of themselves:

"ECA's focus is deeply rooted in building long-lasting relationships with our clients by providing the most productive debt recovery in the industry. Our priority is making our client the priority of their passed due consumers, while maintaining a professional and efficient approach to collections. Our success is measured by the commitment, integrity, and recovery we provide our clients. We want our client to be the total indicator of our rate of performance, and by this we can improve on any type of collection success rate. Our employees are the highest trained, highest paid, and the most motivated professionals in the industry."

Their website also says that it's "Under Reconstruction." Think the lawsuit might have something to do with that?

CJ, this is completely bookish language which was unfortunately never followed by ECA. :D

Yeah, I just found it to be pretty funny that a collection agency who has such immature tactics tries to spruce up their image with fancy wording.

When I read about these people, too, it reminded me of a company that had similar tactics and was shut down by the FTC, National Check Control. When I worked for a check guarantee company, Certegy, our customers who had returned checks would sometimes have to deal with them. We always told the customers to get the debt validation in writing, don't believe their lies about being law enforcement, don't pay them a dime, etc. Complaints and lawsuits started to pile up and sure enough, they were taken care of. I expect the same will happen with Ellis, Crosby & Associates and deservedly so.

Yes CJ, I have heard about that lawsuit filed against six of the companies violating the fdcpa laws. Extra charges were added on the amount of the total debt and they did not even give the necessary information about their debt.

My parents just got a call today from someone in Jacksonville, FL with a number ending in 0959 and with a registered owner of a Biblical passage. These people tried the same scam on me saying something about finding a "warrant". When I asked if a criminal warrant was issued for me the "agent" said "if you continue to try and be invisible we will track you down like an animal". They would not identify who they were or what court or judge had issued a warrant for me. Please don't call all the numbers in Jacksonville that end in 0959. I included that information in case anyone else has received a call from these people. Their number is blocked on caller ID also and their voice mail does not identify the comapany. Possibly Crosby or some of his cronies are up and operating again.

From what I have read on this site most of these people are trying to do the right thing. Tell me Guest, why isn't that when you go to the Credit company before getting behind they don't work with you then? You have to get harrassed and your credit ruined. I don't think most people plan on defaulting, I know I didn't. There should be some limit on how long they can add late fees and such. I think that if by 90 days of delinquency, the account should be closed and no more "fees" added with only a reasonable interst rate, like what a bank would charge for a personal loan. The way they have it set up now is more like loan sharking and I thought that was against the law.

FG

Be careful with the calls from Jacksonville, FL. Ellis Crosby is using different names to harass the people. They are getting aggressive

They have called my job 12 times today, they told me yesterday that I had until 2pm to pay them $350 bucks or they were going to do job verification and send a cop to pick me up. I was about to actually go take out another pay day loan to pay them. They I did the research and found this site (Thank the good Lord). So I did not pay or even answer their calls. I just got called into the VP's office a few mins ago..and he wanted to know what the heck was going on? B/C Ellis has called and said I was using different social security numbers to obtain loans. I printed the comments from this website out and told him to google the name of ellis and crosby and associates. And he will see whats going on. Now we are just waitig for them to call back and we are going to record the call. I've also filed a complaint w/ the FTC and Florida AG. Anymore suggestions anyone? These calls are driving me nutts!!

I am writing because I am at work at this moment dealing with a very rude employee of Ellis Crosby and Assoc. I took out a loan from a company called Electronic Payment Processing and paid that loan off over a month ago. I have received threatening phone calls at work from a man named Samuel Lewis that works for Ellis Crosby and Assoc. once in early September just after paying the loan off and today October 28, this man has called me 5 times at work and talked to my boss once. He told my boss that it was an urgent matter and that he could help me get out of a bad litigation.

I told Mr. Lewis several times that this loan had been paid, gave him the date and confirmation number. He insisted that I was lying. I then proceeded to call the company that I received the loan from and explained what was going on. They told me that they no longer do business with that company and that they took my name out of collections on Sept. 13 the day after I paid the loan off. They told me to ignore his calls and let him know that this is harassment. I then proceeded to call Mr.. Lewis back and at that time he would not come to the phone. I asked to speak with his supervisor who pretty much told me that I was crazy and hung up on me. After all this I received a phone call from Mr. Lewis again today at my job at which time I told him what information I had got from the company and he asked me "Is this true?" I was in shock. He then told me that he is only trying to help me out of a bad situation and that he wasn't getting anything out of this and that I had not paid and hung up.

I have never been treated so rudely or called a liar so many times in my life. What should I do and who do I contact in Tennessee to complain and have this company shut down?!!

The best thing for you to do in this case is mail EC a certified letter containing copies of your payment receipts showing where you paid the loan off. Also, obtain a letter from the original creditor stating the loan is paid in full and include it with your letter. Once they have received it, they should verify the information, then back off, BUT that doesnt mean they will. They are extorting money from people that is not legally owed. They arent very smart over there, they are being sued by the Florida Attorney General and at the same time are continuing to collect debts in an illegal and abusive manner. If they dont back off once you have sent them the information, then you will need to contact a lawyer and explain it all to them in detail. Your documentation is proof enough that EC is illegally attempting to collect a debt. You should also file complaints with the BBB and the Florida and your state's attorney general. In the mean time, refuse all calls from them, hang up in their face if you have too and if they continue to harass you and keep calling back, tell them that you are recording their call, writing down the number of times they have called and will forward it to your attorney. If they argue the fact about the number of times they have called, tell them that it can be verified through phone records if need be. Good luck and dont let them bully you. EC are a bunch of liars and hopefully will be put out of business because of the lawsuit. It would be nice if criminal charges could be brought against them for instances like yours where they are trying to get money from someone who has paid their debt in full.

BTW, I too had a very bad experience with EC and am currently suing them in the State of Texas. My suit was filed two months ago and EC was served. They have yet to respond. I read somewhere in these threads about someone who works for a bankruptcy company and apparently EC has file bankruptcy. I dont know this for sure of not, but I am sure they are trying to get out of the $150,000 lawsuit against them. I just wanted to get them off my back because of thier abuse and harrasment. Since they have been served, I havent heard a peep from them.

Hi Tinab

Welcome to the forums.

Ellis Crosby had been doing unfair activities and harassing large number of people some months back. It is due to their mischievous activities, they have been filed a class action lawsuit by the Florida attorney general.

In this forum, you will find cove of information on this company and their scare tactics used for recovering money from the people. Read it thoroughly so that you feel stronger and file your complaints at the FTC, BBB and the state attorney general office.

Regards
Roxette

Yes they called my work and threatened me saying they were going to have me arrested and that the got ahold of my boss and human resourses for internet fraud and inter state banking fraud. I couldnt beleive it, ill pay them. They need to back off, and if you send thme money does it actually get taken off your account. I was scared though...