calls from ellis. Another company trying to recover the same

Hi jarodene

Have you paid $200 recently to Ellis Crosby? I wish if you have done some research on Ellis Crosby before sending the money, you actually would have saved it.

Ellis Crosby doesn't have the legal rights to take actions against you as their business is undergoing termination. Moreover, threatening to pay the debt is also a violation of the fdcpa law and you can take necessary actions against them. You can file your complaints at the FTC, BBB and the state attorney general office.

If any other collection agency is asking for the same debt, ask them to validate it so that you can have proper information about your debt. Samples of debt validation letter have been posted in this site. You can send it to the agency before you make any payments to them.

Your ultimate goal should be to get proper details of your debt account and it should necessarily go to your debt account only.

Regards
Roxette

I paid them before finding this site. Now I got a letter from another agency stating I owe $1,134 for a $390.00 loan and I paid Ellis $665.00. I already filed with the ftc & attorney general in florida

Hi Valerie

Welcome to the forums. Do you have the receipt of your payment made to Ellis? Also, send a copy of it to the bureau and the collection agency to update your debt account as paid.

I hope this will solve all the problems with this account. The collection agency is trying to contact you as it is shown as unpaid in your credit report.

Regards
Roxette

yes i have my copies of the payment as well i sent copies to the attorney generals office with my affidavit

Ultimately, your credit report should give a positive view of this account. Send a letter to the credit bureau also. The approach will be direct and helpful also.