Certified Check Recovery Systems

They are there in the BBB record. You can check their status online. They have different branches and aliases as well. California office is listed as BBB member company. Do you have any problem with them? Have you received any call from this agency?

Yes, I do have a problem. A lady from this agency called this morning and told me that I owe $150 for a payday loan that I took out over the internet last year. I told her I wouldn't be able to pay anything on it today and she asked me if I had a lawyer. Can they do this?

They all ask this. Then when you say no they begin their threats and intimidation. This is their way of getting you to pay immediately. Remember there are more important things you have to pay. Send them what you can.

I am having similar problems, however they keep calling me at work and this is starting to become a problem. If I tell them to stop calling me at work do they legals have to, or can they keep right on calling? Thanks

If you ask a collector to stop calling you they must stop because fdcpa does not allow them to call if you don't want. But FDCPA does not hold for original creditors. You can send them letters for stop calling you, but they can dishonor it.

Do you know if the original lender is calling you or a collection agency on their behalf? If it's a CA, you can send out cease comm letter.

Make some payment arrangement if possible. Or consolidate the loan.

KatyB wrote:

Quote:

[quote]?? 805. Communication in connection with debt collection [15 USC 1692c]

1. COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt --

at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock AM and before 9 o'clock PM, local time at the consumer's location;

2. if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer;
?? 805. Communication in connection with debt collection [15 USC 1692c]

1. COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt --

at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock AM and before 9 o'clock PM, local time at the consumer's location;

2. if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer;[/quote]

can they put this on your credit. they have no tdl and i donot recall these checks

can this legally go on your credit report