Corporate Receivables calling me to hell - how can I stop them?

I worked at CRI some time ago and it was hard for me to maintain the quota that they game me. The company is legit but it is an aggressive collection agency. It is very demanding and it is not a job for everyone. I agree some people at CRI do step over their boundaries but when you do like I did the managers will get after you. The frustration and stress there makes some people overdo it. Some folks there are JERKS. There is one person there that nobody likes and her name is Anastasia. She thinks she owns the company. Maybe she has become a collector and you are dealing with her. After CRI I worked at 2 other agencies but honestly CRI is the only one that is all about business.

Wow. This agency sounds like a clone of Protocol Recovery Service. Everything you describe, i have experienced, which is why I don't collect anymore. Third party is junk, there is no reward to reap in it. First party, like student loans are very noble and dignified. I guess it's because they can afford to be.

i have been reading all of your e-mails and in some cases you have a legitimate complaint but one thing i have noticed as a common theme all you are looking for is a way to avoid dealing with the debt if you are not satified with the collector you are dealing with simply pay your account then you remove all doubt as to whether you are blaming the collector as the reason you are not paying....just a thought

Does anyone know the fax number for this such company?

Hello Everyone.
I payed off my debt with Coporate Receivables. Inc. At the begining of April. After all the crap that I went through and as many others have, I can say it's a relief. I took the advice of the woman I talked with from the FTC and charged them 10 dollars a month for my time and efforts. I called it an administration fee. After my last payment I thought I was done. Well I was wrong. I just recieved a bill from them saying that I have commited to pay $100.00 dollars before the 6th of April. The funny part is that I just got it today on the 6th of April. The letter is dated March 27th 2006. I guess that can be blamed on slow mail and CRinc sending it late. I have infomred CRinc in previous letters and in each letter I have sent with my payments that this fee was going to be included and that if they disagreed with the fee it should be disputed in writting. CRinc had not disputed it. The $100.00 dollars is the extra I would have paid if I did not charge them the fee. It looks like somebody there at CRInc knows a little math. I will be sending them a letter Certified with a signature repeating what was sent and what the fees were. I would also like to get a suit going with any one else who would be interested for the harrasment and embarrasment that we went through by working with CRInc. Could I post an address for people interested? Or would that be against the forum rules?

In my last post I put payed off in April. The month mentioned should have been March. I also put my watch ahead by a day when I advanced my time. Thats what I get for posting this at 1:00am. Sorry about the confusion

Andrew

Posting personal information goes against TOS. You can join the forum and once you are a member, you can interact with others through PM. Joining is free here.

I worked for these clowns a few years back... (I'm outside the nondisclosure period now). A real classy bunch. NOT!

As prior posters have indicated, everyone there is under an alias. Those aliases are registered with some (but not all) of the states, depending on the amount of data required by each state to license the collection agency to operate within said state. As I recall, Minnesota is one of the states that gets the whole list of real name / alias.

To be fair, a few of the folks there are ok people, but you've gotta wonder what (beyond pure greed) can possibly keep them from looking elsewhere for work. Their website claims a 4 year employment length for collectors... I'd content that number is skewed by inclusion of management in the average. Take out the folks who run the place and have been there since the beginning, and the average employment length has got to be less than a year.

Frankly, it's high stress and the employees are pounded (figuratively) and intimidated (literally) into squeezing people for everything they've got. As far as who they collect for, they handle major accounts such as the group that funds Best Buy, Bow Flex, Dillards, Polaris, and other private label credit cards, as well as "last ditch" debt. If they can get anything out of the "last ditch" accounts, the company usually gets upwards of 50% of the collected amount... so you can see why the collectors would be aggressive.

They have near unlimited access to credit reports either directly, through the agency that placed the debt with them, or through "non-official" channels. Agents are encouraged to develop relationships with various contacts within other credit card and financial services companies with whom they can "swap" pertinent info such as addresses, phone numbers, credit reports, recent account history, etc... As far as I can tell, such behaviour is illegal, yet I watched it happen with my own eyes. So in response to an earlier post, they may well have your info without inquiries showing up on your credit report.

The good news is that they don't mishandle funds received... they are fastidious about that. When funds come in they are processed pronto, because the company prefers to avoid the FTC and get paid by their clients (in no particular order). So they are above board on that. As for the rest of the ways they "work the system", they know the rules, periodically remind the employees of the rules, and do everything they can to encourage the employees to push the limits as far as possible without going over the edge. And, when they do go over the edge, it's rare that they get called on it (unless the collection effort gets reported).

So I say all of that to say this... they are a typical collection company, with generally above average results thanks to having learned how to "live on the edge without getting caught." What that means for you is that it is important for you to KNOW YOUR RIGHTS!!! Record every call you receive! And, if at all possible, get a lawyer! They are a lot more restrained if you actually have a lawyer involved because there are far easier marks out there without lawyers that are easier to intimidate into paying.

And most importantly, JUST DON'T GET INTO DEBT!!! Pay your bills on time, don't buy things you can't afford, and treat your credit like a loaded gun... it can be useful, but if misused the consequences can be severe! In all my time there, I can only recall talking to two people who were in debt due to circumstances truly beyond their control... the remainder all could have avoided such dire straights with a very small amount of common sense!

Those were the days...

In my prior post I should have been clear as to who I was talking about... I am, in fact, referring to Corporate Receivables Inc. (offices in Arizona and Texas)

Wow, everyone harrassed by Corporate Receivables, you can add my name to the list! I'm being harrassed at work by a Ray Long and he, too, is rude and condensending. He completely went off on me telling me I'm a worthless loser who had no money. All I asked him to do was call me on my alternate line, not my work number, and he told me he was marking my account with a refusal to pay! Does anybody know his real name? I will be filing complaints at the FTC, the BBB and with Best Buy who sent my account to these people in the first place because THEY HAD MY ADDRESS WRONG. i've already settled my debt with Best Buy, but CR and its rude reps need to pay. I cannot believe how these losers treat people, and Andrew L please keep us posted on that harrassment suit.

what can I do because the keep calling me at work being rude. I had one lady yell and telling me do you freaking understand? do you . i told her that i was at work call me back later of course that did not work. what should I do???

Have you sent a cease and desist letter to the collection agency. Under the federal laws, the CA is restricted from contacting you further after received your cease and desist letter. Make sure that you sent it through certified mail with return receipt requested. The laws will be violated if they try to contact further and you have a case against them.

People,

Does CR already exist?

Does anybody have anymore information about these characters?

I just had the same problem with CR. I returned a call on my answering machine from "Mitch Young". He demanded payment in full for an HSBC Best Buy account that admittedly is late. He says I owe $3500, but my statement says $3200. Just a few days ago I got an e-mail statement from Best Buy saying my next pymt is due by July 7th (true - the payments are behind and I tried to explain a recent financial squeeze I'd had), but I thought if I paid the account current ($315) by the 1st of July it'd still be in time for the July 7th due date per Best Buy's e-mail statement. "Mitch" still demanded payment in full, yelled at me that he was going to contact all my other creditors (this is apparently the only account in collection)and said something about causing "charge offs" on my other accounts and would see to it that my credit rating was ruined and see me listed as an "I-9", whatever that is. He said payments were not acceptable and that I had to borrow the money within two days and pay the full amount (today's Friday and he wants it by Monday). He yelled that he wasn't going to play games with me. He said that if I sent him any less than the full amount he'd send it right back. I told him that I'm a disabled veteran and live on VA disability and social security and would have to make payments. He didn't care and said only payment in full would do the trick. He said he'd initiate some sort of assets inquiry in preparation for court action. I told him that if I'd known this was going to collection before the due date I'd have sent the payment in earlier this month. This was the first and only time I've talked to these guys, so far. I sat down and sent HSBC the $315 to bring the account current and enclosed a copy of Best Buy's statement with the July 7th due date. I suppose I should call HSBC as suggested in an earlier post and let them know what's going on, and maybe they'll let me continue to make payments to them. I really, really don't want to have any more contact from CR (in AZ). I'm surprised HSBC sent the account to them because I've never received anything from HSBC warning about a collections action nor have I EVER received a phone call from them asking to do a check by phone to prevent collection action.

so i talked to a Ray Long, like that was his real name, and his supervisor. Both of which threatened to have my credit ruined. Both of which told me i should not make purcheases i cant pay for. The funny thing is, is that it was all a mistake. It was a purchase i never even made. They both acted like children and proved to be completely un-professional. It was rather frustrating but, like i said, it twas a mistake and they will never collect a dime from me.

these guys are a joke.....with no punchline. I will never buy through musiciansfriend, for they, in some way, have given these clowns the chance to harrass me. Oh well....it will be resolved. P.S Ray long and his supervisor are the most unprofessional scumbags ive ever talked with on the phone...

After moving around several times in a short period, my bills got redirected many times. In this process my bill with HSBC got lost and I hadn't paid it in quite some time. I then had to deal with Ben Collins, who told me that I didn't understand credit, and I was refusing to pay. He told me I hadn't paid in seven months. I told him that wasn't true and that I have my records right in front of me. He then began to yell at me, stating he had more proof than I did and that I was refusing to pay. I told him that wasn't the case, and he just interupted me time and time again. He then critizied me for not calling him back any sooner then I did. I see that I am not the first to have a problem with this guy. He yelled at me every phone conversation, laughed at me when I told him what happened, as if I was an idiot. We spent a good portion of every phone call screaming at one another. When I finally called back to take care of the debt not 24 hours later, he critizized me for calling him back that day, instead of yesterday. When I told him that I had to go to work, he laughed and told me that wasn't an excuse and that I wasn't making this a priority. I said, "well I'm on the phone with you know, telling you I have the money, do you want it or not!" He responed with something like, "I don't care, don't hold this over my head, you're the one who can't handle credit!" This is when I lost my temper and he told me that he, and I quote, "I have know respect for people like you!" He didn't like it very much when I told him the feeling was mutual, and a few other choice words. Nonetheless, how should I go about reporting him?!? Email me @

email address removed as per forum rules - Mike

I am having problems with some lady named Hillary Jones. She keeps harrassing me because my husband owes a debt. She refuses to let me or my husband speak with management. 602-749-1200 and 1-800-643-2376 or the numbers I keep dialing and she keeps answering. I have already filed a complaint with the BBB in Arizona onlone. Anyone have alternate numbers so I can speak with anyone besides her?

I thought anthony was bad, or that this company is one of the many comapanies that has to allow slower people to be employed by them. I cant even remember how many times i had to tell anthony that i cannot receive phone calls at work, but yet here he goes and calls and calls, completely defamating my charecter and position with my company, he had the small balls to tell my manager my business and problem, telling her that if this is how i run my life, he cant imagine how i run my job...well i gave in and gave some money...but that wasnt enough, instead, i cancelled my bank account in fear that this company isnt ligit...well then, i have to deal with hilary jo nes, she wasnt soo bad, in fact she cracked me up with her opinion on anthony jackson, i at first felt more comfortable, but then the **** just came out...like she had no chioce but to be this awful of a person, she questioned my employment and position and when i questioned her knowledge of my line of work, she completely changed, taking my 3 options i had to settle my account, down to one....is that legal/fair????

[color=Red]****Adult term removed - Jason[/color]

John Fox at Corporate Recievables is one of the biggest jerks ever. They do not try to communicate like real humans, they think that they can bully or intimadate you with these threats. How long can they harrass you???? 1-5 years or what?

I tried to set up three automated payments to pay off my debt, but the guy I spoke with, Mitch Young, stated that was not an option and that it was "taken care of" and then he hung up on me???? If they want my money, isn't this a reasonable way of payment?? He was very rude, short and yelled into the phone.

I received a call from this company about a phantom best buy account. I have never financed anything from BB!! They obviously make random calls hoping to get lucky. Abuse followed. Never have I been so P'ed over a phone call.

I *69ed the call. Called back to TELL them NEVER to call again! The call in to this company was a mirror image of the first! Amazing!

I will follow up with FTC. I *57ed(trace) the first call. This is on file with local police. This company will be served with papers should I receive another call.

Cold Call Harasment at its best!

;)!!!

Harassment plain and simple, I have been threatened and harassed by Mitch Young for two week cause some one gave him my number! Anyone know where he is?

I keep getting mesgs for someone who doesn't even live here anymore, from a Mr. Jordan at 1-800-643-2376. He is a rude idiot who refused to put me through to a supervisor. I called back three more times and he finally put me through to a Mr. Brooks who claimed to be the supervisor and said he would take my number off. We will see about that. The Jordan guy is rude, he is a jerk and just plain ole nasty. Anyone really know how to get a real supervisor? please advise

We arranged a settlement, payable in three payments. This was going to take 460 off our balance. However, when we did recieved a statement saying the second payment would be deducted from our account, the remaining 460 had been added back into the balance. When we were making the arrangements over the phone, we asked for a settlement in writing. Samuel Cooper said they can't do that, but whatever he says over the phone they have to do because it's recorded. After reading the posts, I obviously don't believe they record anything. Can they do this? Can they go back on the agreement? Yes, we owe the debt. I lost my job and we got behind. We don't want 'out' of it, but we had 'agreed' on a settlement so they could get their money faster.

I am dealing with CR also..First I take responsibilty for my debt and have been working to get everything paied off this is the last thing I have left to pay and I am totally debt free as I have learned my lesson in life but I owe $756 they wanted three payments of $252 once a month until done. I requested to make 2 payments a month of $189 which for the month would be $378 more then they were asking for in a month and get it paid off in two months instead of three and (Anthony G) started yelling and me and saying I cant make up how I want to pay them.. Hello I am offering you more in a month then you originally asked just in two seperate payments in the month.. now they won't take my money unless I have the full amount and hang up on me when I call them. 1) I have never had any collection agency hang up on me when I am trying to give them money and the ones I have delt with have either worked out a payment plan or if I paid off an amount by a certain time they would take off a percentage. I pulled a copy of my credit report and found the name of the company that I acutally owe the money to. I will contact them and see if they will take my money I know that with the Fair Debt Collection Practices Act there are rules they have to follow. This is the last debt that I have left to pay and they wont take my money. Plus I have found out that you don't have to give them your checking account info or pay them with a check over the phone. With this company they will get a money order if I have to continue to go through them. I don't trust them to give them my account info any longer.

Hopefully some of this information will help some of you out. I have learned to be nice and sweet and not get angry on the phone with these people but I have also learned that to get things done sometimes you have to take matters into your own hands.. I put myself in this position and I am getting myself out but I will not be treated like a child either. Plus it helps when you do your research. I have paid of 12 debts in the last 5 yrs and I will not let this one stop me from completing my task.
I found this information to be usefull and hopefully someone might also.
Before talking to any debt collector, review the Fair Debt Collection Practices Act. This is a general ???????rule book??????? that the creditors have to play by. Follow this link to better prepare yourself for battle. http://www.consumer.ftc.gov/. Many states also have their own ???????rules of engagement??????? that you should know. You can find out more about what your state allows a debt collector to do by contacting your local attorney general????????s office. Just do a quick Google search; attorney general California debt collector (for example) and there will be a direct link about that States Fair Debt Collection Practices Act.

Quote:

This is to update on my post from yesterday.. Well it worked I contact the company that ownes my debt that I pulled off my credit report. Spoke with the liaison to there outsource deptartment. When I spoke with him I advised that CR would hang up on me would not talk about a payment plan and that all I wanted was to pay 2 times this month and two time in December to have this account paid in full before the end of the year. But instead they tell me that if I dont have the full amount that there is nothing to talk about. He placed me on hold and when he came back advised he had contacted CR and that they should have no problem taking my payment now and if they did that I was to contact him back immediately. Well of course I call CR and Anthony will not pick up the phone so I spoke with the receptionist who got me to the first available representatve (now they are nice). They took my payment plan and by the end of the ear I will not have to deal with them.. I will also contact the main company back once they get paid by CR to get a letter from them that it is paid in full. I will not deal with CR or expect them to send me anything. Sometimes it pays to go to the top..(Plus I got Anthony's real name cause the Liaison was giving his real name and not his fake name.) In this case CR was keeping the main company from getting there money from me. I know this will not help everyone but it never hurts to put the info down.

Good Luck to you all!!

I was wondering if someone could give me some advise. I owed Seaman about 2500. Now the reason I came into contact with CR is because I decided to do a credit check on myself and saw the my once excellent score of 757, all of the sudden became a 622. I realized I had a Seamnas bill that I totally forgot about because when I made the purchase, they had a special in whcih you pay your first bill in a year. Hence my first bill should have been payed Feb 2006. The last bill I ever recieved from Seaman's (HSBC) was perhaps September 2005 (I know cause Ilooked in my files), so the bill was completely forgotten about UNTIL I did a credit check. When I call Seamans they told me they no longer can help me because they sold my debt to Corporate Recievables. I then called Corporate Recievables and wanted to straighten this out HOWEVER!!! when I spoke to their "supervisor" it became an all out verbal war because I could not pay them the full amount. He became very abusive and knowing my temper I lashed out just as equally. Now I know I am completley responsible for this debt, HOWEVER I refuse to pay them one dime. BTW they called my house and verbally abused my sister, after she told them who she was and they said she was lying... that she was actually me, covering up. Regardless... does anyone know if I can switch me debt to another collection agency, because I really dont want to pay them nor deal with them.

CR does not purchase debt. Call HSBC and tell them you will be sending the payments directly to them and also update your current with HSBC.

I talked to HSBC Retail Services about my account and one of the supervisors told me they sold the debto to CR. CR is requesting Balance in full. I really do not wan to deal with CR. what can i do? what happens if i send my payments directly to HSBC?
Any suggestions?

can CR purchase debt? what happens if CR do not receive a dime from me? is the account going back to HSBC?

First I would suggest running one of the free credit reports it will tell you who actually ownes your debt.. from my understanding and dealing with CR that the place that owned my debt had outsourced it to CR to collect for them.. I called the owner of my debt told them I wanted a payment plan to pay them off when CR wanted payment in full. They contacted CR and now I am making payments. Take control of the situation yourself. Look up your rights when it comes to Collectors, review the Fair Debt Collection Practices Act. This is a general ???????rule book??????? that the creditors have to play by. Follow this link to better prepare yourself for battle. Many states also have their own ???????rules of engagement??????? that you should know. You can find out more about what your state allows a debt collector to do by contacting your local attorney general????????s office. Just do a quick Google search; attorney general California debt collector (for example) and there will be a direct link about that States Fair Debt Collection Practices Act. It worked for me and now I am going to be debt free.

I receive so many calls from Corporate Receivables. They yelling to me and treating me with my work. The name of the collector is Cynthia or what ever the name is. I'm pregnant and I so tired of the calls. She called my Human Resources office to check if I work.

One time i told Aaron Bell that i was getting the money to him by the end of the month. end of the month arrived and had no money to pay him. he called me and told me he needed the money now or he will garnish my wages. i laughed and i hung up. few minutes laer i called the bank and told them that i am been harrased by corporae receivables. its been two months already and i havn't gotten any calls or letters from them. not only that i continue to get my monthly statements at home. what is going on? any suggestion of what is going on?

I was originally dealing with Corporate Recievables, however my account has been sent back to HSBC (for a seaman's credit card) and HSBC sent it to a new collection agency (Leading Edge Solutions) The guy I spoke to Angel Gracio was the NICEST individual, very compassionate, and he knoew I do want to pay this debt (but know I can not pay in full). However my question is this 1. he said they will be charging me interest (it's a new law) for everyday it's in collection is this true? Also... if HSBC took back the account can't I pay them directly?

I've had the same problems too, especially with this guy Jeremy Peters, and also Mary Shaw. does anyone have the number to their office in california, or does all correspondence go through AZ?? they call constantly at my work, despite the fact that i tell them every time not to call there.

After a horrible experience this morning with Corporate Receivable's Hillary Jones, (if you want their Phoenix, AZ address let me know- I have it) I logged on to find this site and felt significantly comforted as a result of all of your comments. Corporate Receivables is absolutely the most abrasive, rude, condescending company I've ever dealt with. I am a 36 year old professional, educated, mother of 6 children and to have this woman call me and act as she has, it pushed me to a level I've never been to before. As many of you, we had a financial hardship 1 1/2 years ago when a business partner stole 200k from us. This put us in a tailspin financially up to this point but are working our way out instead of filing bankruptcy. We intend to have our debt paid off by November, but I will never give corporate receivable's one cent as a result of the way they treated us. After learning that Yamaha Motor Corp sold our account to Arrow Financial, and that Arrow OUTSOURCES these "bad" accounts to CR (NOT SOLD...OUTSOURCES), I spoke with the manager of outsourcing at Arrow, Larry Shiff. I wanted to file a complaint with him regarding this dispicable company (which I hesitate to even call it a company). Larry started questioning my integrity and was almost equally as condescending! I know that some people walk away from their debt and give the rest of us that are respectful and want to pay off what we owe a bad name, but I don't appreciate being treated like a jerk that doesn't pay my bills (as Hillary has told my husband before). I don't know what to do about any of these people, other than PAY MY DEBTS AND NEVER GO TO THAT PLACE AGAIN! Pay CASH!!! Thanks for your comments and information. It has been great. Good luck everyone, and know that you are not alone! It made us feel much better!!!

I used to work for these guys, it was a very profitable relationship, as long as i did what i was told that is. i know all of the things people are complaining about is true, you see the collectors are all chasing a monthly carrott that the owner hangs over their heads. make no mistke this is a financial sweat shop the only thing the owner Bruce Davis care more about the money is a lawsuit of state complaint. if you are having trouble with making arraingments, all you need to do is work out a payment plan that will fit into you budget and get the debt paid off in a year or less. once you have that all worked out send the letter certified mail return reciept requested and mark it atten:Jose Sobrino (that is his real name not an alias)he is the manager and the person responsable for keeping the company from getting suid or having to face a complaint or a fine for violations of the fdcpa.if you ever have the unfortunate luck of ever having to speak to this guy i assure you he is shady and he will try to get tough with, but rest assured he is a paid guard dog that will do whatever he has to to protect his master, so he is controlable, when you send the letter make sure you "cc" a copy to your state attorney general and if you don't want anymore calls put a cease and desist order in your letter letting them know to contact by mail only and if they do call you will record all calls, this is considerd legal notification that all calls are recorded and you will forward the calls to the state attorney general. if you follow these steps i assure you of 2 things 1 your payments will be accepted 2 you will not be harrassed by any of the rep's there again. just make sure whatever arraingments you set it is very important you keep them.

I have had the same problems with this company. They keep calling my work which is a major company in home improvement business. I have told the rep that has been calling me, what the situtation has been doing, but he has been rude telling me that i need to get my stuff in line and come up with a large sum of money with 48 hours otherwise there will be legal action taken against me. And also he has asked for info about my work stats and who is incharge of my payroll, and when i ask him a question he is rude and gives me no answer at all. What can I do to get a handle on this problem??

Here's another one for this company - does anyone know what state they are really from.

My future daughter in law went to H&R Block - they talked her into Rapid Refund. The IRS decided to review the filing (a large refund). IRS told her to give them 15 days. This jerk called her today, demanding instant payback, refused to talk to her.

And H&R Block paperwork on their Rapid Refund has a payback percentage (Get this) of 237%. Yes she should have realized it - they didn't go over the document with her - just gave it to her as part of the refund. Too naive. Major lesson for her but ...

How do you a) get H&R Block reported and b) file a BBB complaint against Corporate Receivables and what type of legal action can be taken about it.

I am not sure if this is the same company from out of Phoenix, AZ--HOWEVER, I agree with everything that was said about them above. In fact I contacted the credit card company to file a complaint. Question? This company has to be regulated by someone. Could you provide this information to me. Thank You.

Yes, I would like to know Mary Shaw real name--also who is Joe Owens ( supervisor)?

I thought I was the only one. I have been dealing with some of same issues all of you have. Mary Shaw is an evil women! What is her real name?

Abraham smith....that is a name I'll not forget. Personally I will not rest until I have his ass in court, he was extremely verbally abusive to both my wife and my kids.

I'm having the same problem. This guy Ben Collins called me today and told me I had 24hrs to pay the debt in full...or else!
I have never even heard of Corporate Receivable until this afternoon. I wasn't about to send them a bunch of money. I don't even know who they are. Every time I tried to speak Ben would chime in and say things like

"do you understand what you're doing?"
"You are ruining your credit."
"You just want to play games."
"You don't care about anything do you?"
"So let me get this straight you are refusing to pay the debt?"
"answer me"
"Why don't you ever have any money?"
What do you do with your money?"
"You are ruining your sisters credit do you get that?"
"I don't have time to play games with you."
"Is this a joke"
"Of course your not going to pay it right now you want to prolong it because that's what you do."

Ben refused to speak with my representative. Is that even legal?

My Ikea account was turned over to Corporate Receivables, but i'm still getting bills from Ikea with new late fees and letters and calls from Corp. Rec. Why?

I have been making regular payments to Corp Recievables for many months. this month i was going to mail my payment on 4/16 I was told in the beginning as long as the payment was there by the 30th it was fine I get a call on 4/13 This Jon Owens guys is screming at me saying I always call (I was returning his call) I always have excuses and never pay on time Now this is the 13th when I return his call right... So then he says my agreement is now null and void and I need to pay more each month. I have no job and on an tight tight budget. But to avoid getting more charges I agree to pay 75.00 Then on Sat. 4/14 in the mail I get a letter to confirm my payment of 50.00 due on or before 4/19 SO I call this Jon back and he says it is an error and I need to quit calling him and just don't pay he doesn't care What should I do This guy is a #1 jerk and totally out of control.

Hello,

I have read this forum and is has been very helpful. However. I do still have questions. I have been contacted by "Derrick Miller" and told that I was to pay $9399.14 for a motorcycle that I cosigned on. I was open and honest with him and told him that is would take a while to get the money. Keep in mind that I have never recieved one thing from HSBC about a defaulted pay,ent or even a notice saying that the payments werent being made by the cosignee. Miller then told me that I would have to disclose information such as my name address social DOB place of business and any accounts that I had. It was ok up until he got to the place of business, #s and my accounts. I told him that I did not want to give that info yet I would still like to settle this debt. He told me that he would put my account into refusal to pay and ruin my credit for a LONG time. I am 22 yrs old and I stupidly cosigned and I do realize that I made a mistake so I am willing to pay but they will not work with me after he said he has put my account into refusal to pay. I just recied the letter 5 days after the call and I am currently looking into the next step on settlement. Any information and/steps to get this taken care of would be appreciated since CRInc is being vry childish in the manner. I have an appt with CCCS and am currently looking for an attny in Knoxville, TN if anyone else has any advise. THANKS!

Spoke with abraham today, by far the rudest person i have ever spoke too. spoke to his supervisor again very rude, they threateded to come to my home and force me to pay, lol threatening me, i find it funny actually