Creditors Financial Group - Are they difficult to deal with?

Hi

You must be having the Creditors Financial Group address. Send them a letter in writing offer your payment proposal along with a check. If they cash it, you will understand that they have accepted your proposal. Do remember to send this letter through certified mail with return receipt requested. You will have proof that you made every effort to pay the account.

A collection agency, Creditors Financial Group, cannot contact a person after they have been notified to correspond through mail only. You need to send a cease and desist letter clearly mentioning the point "Correspondence through written communication only, no phone calls". After they have received this information from you, they will be legally restricted from calling you over the phone. This is a federal law and if they try to break it, you can take legal assistance in this matter.

collection agencies make the dealings look tougher. Do not hesitate or fear Creditors Financial Group. They are trying to collect the full amount at one time. You need to make them understand your financial situation. Applying force on you or using unfair collection tactics are against the laws of business.

Again, I was reading the forums and ran across a situation where the collection agency asked for a SSN. It was adviced not to give them the info, pending that they are able to pull up your information without it. In relevance to my situation, I can remember the first individual I spoke to asking for mine because it was "quicker" to look up faster than giving him the 15 or 20 digit account number. I did, so what should I do now??!!! The more I read the forum, the more I wish I had or hadn't done before they hung up in my face!! THESE PEOPLE ARE A TRIP!!! Thanx for any info or suggestions.

Hi ls3designs

You must make sure that your SSN info is with the company that must be authorized for it. If it is gone to a company doing illegitimate business, you need to monitor your credit file regularly. SSN# can be used to open up new credit accounts unknown to you until you view your file. If this happens, the credit company will ask for the payments and you will have long process to prove your identity theft. The best move is to monitor your file regularly.

stay away from them...they have 38 pending court actions against Creditors Financial Group for illegal debt collection practices...they have never sued anyone! DO NOT GIVE THEM ANY MONEY or INFORMATION!!!

I have had very unpleasant dealings with Creditors Financial Group LLC...I was about to make them an offer but will not do so the way I had planned. Thanks for all the info...

I am currently dealing with Creditors Financial Group collection agency and definitely should have done some research before agreeing to pay (THIS MORNING) 1/3 of what we owe! I have never felt so threatened in my life! Alyssa, my "rep" told me that I was going to loose everything we had if I didn't pay. I am sickened after the conversation I had with her and now even more so after reading this blog! I am so mad that I didn't read this a few hours earlier. They are terrible people and I can't believe they can sleep at night!

Send Creditors Financial Group collection agency a "debt validation" and a "Cesae and Desist" letter by CMRRR. This will stop them in their tracks.

Don't give them any information about your bank account your ssn or anything send them only money orders and do not let them tell you what to pay you tell them also I too have read that they don't sue and if they threaten to sue you don't believe it record the calls from creditors financial group phone number, if you are sure your state allows it and do send them the paper saying only to contact you through mail don't let them abuse you
I personally think the way they do their business they don't deserve the money

I hate these people!
I sent them a letter around Halloween, with my current phone number. I then told them I could only afford to send them $50 a month, and sent a check along with my letter.
I asked that they stop calling my in-laws and my mother, as they are not responsible for my debt.
Just found out today that they called my sister and asked for me. They claimed that Creditors Financial Group LLC cannot reach me by phone. BULL. I gave them my correct phone number. I haven's seen a call come in from CFG on the caller ID, and they haven't left me a message on my machine.......................

GS did you send Creditors Financial Group a C&D letter by CMRRR? If not they will continue to call your relatives, friends, etc.

If the collection agency or creditor has contacted anyone other then you about your debt and told them anything that relates to your account you may be able to have the account thrown out under fraudulent circumstances. Read Kevin Tredeaus book debt cures. He states that it is ILLEGAL for a creditor or collection agency to leave messages with info. about your account or talk to anyone other then you in regards to your account. The only thing Creditors Financial Groupare really aloud to say to anyone other then you is that they are trying to contact you and for you to get back to them.

i have been dealing with these people for over a year now i send them montly payments because i am currently without a job have a newborn baby, they somehow got my mothers phone number and call her this morning her number is unlisted and i dont give her as a point of contact he told me that i was being sued even tho just 2 weeks ago they cashed my check, he calls my cell phone, my in laws and now my mom, what should i do besides the letter, even if Creditors Financial Group sue me i cant pay the full amount as is anyways, he says my bank is the one with the lawsuit but when i call them they said they sold my account to them but yet my bank account is still open, so if i owe my bank for my credit card and they were going to sue wouldnt they close my bank account too?

I have monitored amd not has shown up on it for ever. But Creditors financial group collection agency keeps bothering me. I called them once and explained them that my credit report is clean. I did not give them my ss because what if the have a my name (which is very popular), but doesn't much my ss and they just write my ss to make it mine. I have ignored their calls, but it's annoying comming home and have to listen to their annoying message. What do I do?

Send them a C&D letter CMRRR, this should stop the calls.

Back in December, a guy from Creditors Financial Group left a voice message at the home of a friend's parents! He said he was from CFG's legal department and had reason to believe they could help locate me. They'd also been leaving threatening messages at my home, office and on my cell. After they stunt they pulled in calling my friend's parents, not only did I send them a C&D letter, but I also filed creditors financial group complaints with both the Federal Trade Commission and my state's attorney general's office. The AG's office contacted me to let me know that CFG wrote them a letter of apology, confirming that they had stopped calling me (which they had) and that they'd since turned my account back to the original creditor. The AG's rep told me it was good that I also reported to the feds because if enough people lodge creditors financial group llc complaints regarding their collections tactics, the FTC can file suit against the CA. Do not allow them to frighten or bully you...report them!

I have been getting harassing calls from this company for the last 3 days. I have know idea who they are looking for and yet they continue to call me. Finally I asked for there manager and address and they told me, "That is not necessary we have been calling the wrong person." I then got in an argument and hung up the phone. I tried to look them up online and all I can find is a bunch forums talking about what horrible people they are. If any one has any info I would love to stick it to them.

I agree colletion agencies shouldnt break the law, but people have an obligation to pay back your debt. People should live within there budget. Just because you can make the mininum payment doesnt mean you can afford it. People shouldnt carry a balance on credit cards.

These guys are ridiculous! They threaten and try to intimidate you regardless of your reasons for being behind. This guy called me an a**hole and called me a crook!! Record anytime they call as they can be sued for some of the crap they pull

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CFG are a bunch of crooks that rely on intimidation. You have rights exercise them. You should of course have valid reason for not paying your debt.

Fight!

Agree. We need a groundswell against CFG and their illegal tactics.

The answer the question, let them know that you will be filing a complaint to the FCC. If you choose to file the compliant make sure that you state that Creditor in harassing your family and that they are refusing to accept the pymt plan that works for you. When you submit the complaint via email make sure that you cc: the FCC.

Watch how fast they will stop calling and setting up pymt arrangement with you.

Been there done that!

i woke up today to one of their messages on my house phone.So far ive gotten to calls from them.I have to credit cards,one capital one credit card and a chase credit card,both cards that had a combined credit limit of $900.Not very high,but they've hit me with so many fees that both cards went over their limits and continued to get hit with fees which eventually lead them to going to collection agencies.Ive gotten hundreds(it seems) of letters.I think each card is at around $1500-$1900 now all because of overdraft fees and late fees.I cant believe they worry so much about this small debt when there's people out there with tens of thousands in debt.Just these two small cards have ruined my credit and i seriously dont know how or when im gonna be able to start paying them off.I will say that i sure as hell dont feel i should have to pay for those fees.Ill pay for what i spent using those cards and thats it.

I want to write just because I had such a positive experience just now with them. If you ever have to deal with Creditors Financial, please ask to deal with Christopher Tucker. He is so pleasant and we were able to come to an agreement that was a winner for me to settle my debt. Not all credit agents are bad and mean. Thank God and now I can sleep well at night knowing my debt is being paid.

IRONIC their website is down today, HUMMM SUSPECT. I got a a call today at my home, next to the person with credit issues. There person at CFG called as if she were friend of my neighbor with works "personal emergency" said she had been trying to get hold of my neighbor for days and could I leave a note on her door to call. I asked I am uncomfortable with you calling me, her neighbor and how did you get my name, it is matter of public record. Well I live at address right next to this woman. So I said "What is your name and who are you with" Ms. SO N SO at CFG. I replied what is CFG- What is CFG stand for 'Creditors Financial Group" I WENT OFF> How dare you find a neighbor in public record, call my home and pretend you are concerned person in her life and ask me to leave a note on her doorstep to call a *%##&$a7 CREDIT AGENCY. Shame on you, this is harrassment and send her a letter in the mail if you want to contact her. And do not call me again and I am reporting you as of today. I have the woman's name whom I will not write in this reply, and I am reporting CFG for shameful tactics no matter if someone in debt, for harrassment on innocent bystander neighbor and will inform my neighbor of this horrific tactic.....THIS WORLD HAS NO SHAME.......DO NOT USE CFG - GO TO NONPROFIT GROUPS ON SUZE ORMAN WEBSITE OR CLARK HOWARD THEY ARE CRIMINALS ...

Now i have worked at CFG, and your right if what you say is true. If they leave a message on your phone threating legal action.. call back and play the message and the guy gets fired. If you say u r going to pay 50 a month and dont, and the phone calls start again.

You are the one that cranked up the credit and partied or did whatever, and sure now its time to pay it back. I do feel sorry about the college kid that is getting crewed and the old man that couldnt pay his 10k on cc cause he is going to die soon and there is nothing they can do to collect, so he screwed the system.

You people bitch when people try to collect money that you OWE. GO BK. Get rid of the debt do something. Make arrangements, pay 10 bucks a month... Do something... if you cant do nothing then dont.

As for leaving a note on the persons door, its public info and guess what, they are asking you to leave a note on the door saying they are trying to get intouch with this deadbeat that doesnt respond.

Your right it sucks and great people get screwed. Some collectors are heartless and shameless.... i tried this job and i couldnt do it. Maybe cause i understand troubles people get in, but i also realized you lived outside your means time to step up and do something.. offer 40%... they will take it. Be smart and stop bitching about shit that you charged.

It's a great stress reliever!. Every time they hang up on me I feel thousands of dollars richer! If a debt collection buys your account off some company, they paid your bill. If you don't have a contract with, CFG, with your wet signature on it, you don't "owe" them a penny, period! No contract = no debt. Hey, you can't help if these idiots bought a bus load of bad paper. Debt collection is a gamble, They're betting you give them money, that's the reason for their tactics. They feed on fear and your ignorance to make really easy money. The "debt" they bought with your name on it, was bought for 2-3% of the "debt". Nice mark up. Don't be a sucker = Don't pay debt collectors period! They made a bad bet. Send the certified letter "return receipt requested" and precede ROFLYAO! Great therapy! Oh yeah, No Charge

I am at a complete road block with this creditor. I informed then that couldnt make the payment in full and pretty much nothing over $100 and the rep. was a complete jerk. Im not sure what to do now. Im stationed overseas and leave from the states in 4 days and dnt know whether to send in payments through mail or what?

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Personal attacks are not permitted here. - Uncle Wulf

whoever the jackass up there is that's giving you guys awful advice in regards to not paying your debts.. is an idiot. "tooloud" does not know what he is talking about at all.. i actually work for cfg and i will sympathize with you guys, yes there are multiple complete assholes that work there. i however do my best to try and help people work out something within reason to help them resolve their debts. just because your debt goes to collections doesn't mean that you don't have to pay it... does the client purchase the debt at a ridiculously low rate... yes, but that doesn't mean that they paid your debt for you. and just because we are not allowed to threaten you with legal action does not mean that the client doesn't retain the right to pursue you for the balance in full plus the court charges it costs them to pursue that matter further. not to mention that they could close a multitude of credit lines that you're an authorized user on if they so choose to do so. and then who could forget you're awful credit score... i understand some people experience hardships and fall behind on their bills, and i'm more than happy to work with those people. its people like the deadbeats that wrote up there who believe that because a credit line is charged off and sent to collections it no longer needs to be paid. that's false, and i don't know who severely misinformed "tooloud" of that but they should check their information. the only state you can really get away with not paying debt in is texas, assuming that you don't mind having horrible credit..

They are law breakers... Ignore them and don???t give them a cent. Instead report their law breaking habits to the proper agencies...

Call too early in the AM... Earliest call was 6:30 am...

For all you people who "claim" you work for CFG and for all you people who say "Pay your debts", I am a relative of someone who has "an issue" with them. CFG has no right harrassing me. I'm not the one in debt. I'm not the one who has missed payments. I will be glad to take your company to court so you lose your job. Then when you can't pay your bills and creditors start harassing you and your family, you'll get a taste of the crap everbody on this forum had to deal with.

They called me last week, after making $100 monthly payments to N.E.S. for a Bank of America account for almost a year, they sold it to C.F.G. The man was reasonable with me, offering a 50% settlement or payments of 330 a month. That is higher than I was paying but his tactics were allright. Thank God, I am able to come up with the settlement in full, but at least they offered me a payment plan. Some people do not. I wish that others on this board would've had a nicer representative like I did. I know they are all pretty scary, though. Best of luck to you all.

Okay, if I'm reading you correctly, you have already settled the account through series of payments with N.E.S, right?? Haven't you settled for 'paid in full'?

You have come up with the amount they have been charging, fair enough, but have you not recognised that you'd be paying twice for the same account?

If you have the money to pay twice for an old account, I wonder, how have you defaulted in the first place?

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They keep calling all over town, mothers/fathers/sisters and al this bullshit over $1500, that was not even mine it from my ex wife, dont ever give then any infomation, or make settlement with them they can not colllect a thing ever. so dont ever offer anything because once you do your screwed for ever.

These guys are out of control. I know I owe them but calling 10 times a day does not help me all it will do is get me fired so I cannot pay anyone. What do they think...I won the lottery in the 15 minutes from their last call!!! Now they are telling me that "something really bad is going to happen to me". What does that mean? Are they sending someone to break my knee caps? I'm a little worried.

These people are collectors. They keep calling my # looking for this person. I called them to tell them this person is not at this number. They are insolent. They called me a lier, they lied about this account and they hung up on me. If I get another phone call from them I will call the phone company for harrassment. I don't think I have ever had such disrespect from an agency.

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I spoke to a man today from creditors financial group, he said he was going to file civil suit on Monday if I did not make a payment or pay off my dept with them, that Best buys sent to them to collect, He told me they were going to file judgement and tap my husbands wages, suspend my licence if this goes to court. So I am at fault for ignoring the bill but when you can not meet their requirements and they do not except what you have to pay, What am I to believe. Can any one help or had this happen to them.

for one they can't file a judgement.they would have to sue you and win.if they did things legally then you would have your day in court.they can't just do the things they say they will do without a court date.two they can't suspend your license.only secretary of states can suspend or revoke licenses.they don't suspend licenses for non driving related debt.i would fire off a DV letter certified mail return receipt asap.

Paul is right, it's against FTC Act to threat anyone about a lawsuit. Is this their first contact? Have you sent them the debt validation letter? If you haven't, please do it immediately as Paul has mentioned.

I dealt with them, I tried to pay off my debt, but at the end by mistake I send more money that I was supposed to sent, it's been more than a month since I was told they would send it back to me, no answer, every time I call them they just don't pick up the phone. What Should I do?

I don't think there is much other than legal way can be done once they have the money. Hope you have both the settlement agreement and bank statements to prove that you have paid them more than the agreed amount.

If you continue to slander me in public and lie without any proof or basis for your lies I wil sue the hell out of you. If I see one more posting with you having such a statement I will find out by calling this website and finding out who you are because you are such a coward you can not even disclose your name. I am the person you are speaking of on the remark I was a child molester. Do not drag my name in to something I would never even fathom as I have two children of my own. This is your only warning. Thank you. CALL ME YOU HAVE MY PHONE NUMBER~~~


Evenin' Joe -
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The offending remark has been deleted, as we do not permit personal attacks on this site. Should such remarks show back up, please contact me through this forum, and I'll deal with those, too. Now, kindly let it drop.
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Thanks -
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Uncle Wulf

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WOW, how do they get away with this crap. They called my preacher, and told them that my wife had filled out an application, and would be happy with the results of her application. Even told the Preacher, that he was with The Aurora Group and left a Phone # and extension # for my wife to call. She never filled out any application for anything. Also where do they get the right to call your neighbors, using some sort of address listing to get close neighbors. The Preacher lives right across the street. After I talke to Emanuel at CFG and told him not to call the preacher again, he said he would still call the preacher and all my neighbors. Called me an old dryed up man, and said I was a bum. Vietnam Veteran, and recently laid off in Construction. I'm not a deadbeat, how can they get away with this. Please respond with any help and suggestions. lokkop @ sc.rr.com

Yes, the will stop calling, but now they have a right to sue. Please research this before sending a C&D.