800-392-4029 - can anyone tell me whose number is this?

This is the company calling you, they tell you to call 800-392-4029 but when I got home First Credit Services was on my caller I.D.... they are trying to collect a debt from Ellis Crosby

FIRST CREDIT SERVICES INC.
1 Woodbridge Center, Suite 410
Woodbridge, NJ 07095
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Thanks so much for the info.

Thank god for this forum. I found who the phone # went to but has Ellis Crosby sold accounts to them? Is this company pretty much the same as Ellis Crosby or are they legit? Thank you for your help.

Any collection agency is required to practice within the legal lines as laid down in the FDCPA. The company holding your debt in legitimate terms should be able to give you the necessary information.

I just setup payment arrangements with them and they were pretty cool about it. I just want to get rid of all this headache. I really think they are legit. The are the same as Emax/Collectedge/Account Receivable Technologies. All of them are affiliated. At this point I can care less who wants to collect for the original creditor just as long as i am left alone and the payment is in full. I wish you all luck.

I've learned that when there is a pause before anyone replies (when you take their call), they're initiating the recording of your conversation with them. There's a way I know this, and yes, I believe it's illegal. They think that they can use your words against you if they need to. Ridiculous...

Dale, keep in mind that you have to get the receipts of all your payments made to them. You should ensure that your money is going to your debt account only. Keep everything in place from now so that you don't have to face the troubles later.

Once you have completed your payments with the collection agency, your accounts should be shown as paid in your credit report. Having something in written about it from the collection agency will confirm the deal.

I just called them back and asked them to validate the debt after i already setup payment arrangements starting on 10/31/05 with my banking information. I borrowed 2 loans of $300 each with fees $390. So the total is $780. The company sold the debts. Once company sold it at $510 and the other sold it at $390. I get one bill in the mail from Account Receivable Technologies in the amount of $1215. The tell me they are charging me collection fees of $315 and then on top of it they are charging me $20 processing fee per check I electronically give them over the phone. I told them send me a real bill with a breakdown of all fees so we can go through with the payments and they said they could not. I said you can't expect to send me one bill with one company name on it stating i owe $1215 without a breakdown. So I said then I refuse to pay it. The woman said she will note that account and will send it back to the original lender and that I can expect to pay alot more money. She even told me Ellis Crosby would be charging me over $1700 by now. She said If I mail in my check and guarantee its in her office by 10/31/05 then I will not be charged a $20 processing fee. I am worrid because they have my bank info. What should I do?

Dale, you should have never given your bank information in the first place before getting the debt validated.

They are doing the illegal thing by not validating your debt in writing per the fdcpa laws. You have the legal rights to take actions against them if they misuse your bank accounts.

Also, inform this happening to your bank. They will put a stop payment if they try to withdraw money from your account. They might charge you some fee for it but it will be worth spending it. And, of course, consult your attorney regarding this matter.

Regards
Roxette

Ben......credit report? I don't have one payday company that reported any loan to my credit report.

Dale, you should start doing serious repair to your bad credit. Chances of your credit getting ruined are more when you have these negative remarks visible.

I too have received calls from this number. Thanks for who it was because when I've called and asked them they won't tell me. I did speak with someone and told them I needed the debt validated. They said Ellis Crosby had taken care of that. I told them they hadn't. They have refused to send me anything in the mail, however, keep calling me. What should I do?

Ckhenry, have you sent the debt validation request through mail? If not, you will have to send it in writing through first class mail with return receipt requested. Doing this, you will know when they have received your letter and after that, they are required to stop contacting you. If they call you after receiving your letter, you can take legal actions against them.

But if you speak to them over the phone and request for debt validation, you won't be able to take legal actions as you don't have any proof of restricting them from calling you.

In the debt validation letter, they will have to put the correct details of your debt amount along with calculation of proper interests. Also, they are required to show a copy of the agreement letter that the debt has been sold by the creditor to the mentioned collection agency. The company should be authorized to collect the debt in your state.

Also check whether the debt is within the SOL period. All these activities will make your position stronger and show your interest of paying the debt.

I found the a physical address for CollectEdge Services
CollectEdge Services
100 Davidson Ave., Ste 300
Sumerset, NJ

accounts receivable technologies I was told when I called the number but I think it's a bogus company

I just got a call from them yesterday. I don't owe any money to Ellis Crosby, I don't even know what company this is. I am very tempted to just ignore the call.

I just received one of these calls on my machine today. I have no outstanding debts, and have no intention of calling these people. Failure to identify themselves is enough of a reason to ignore them.

that company is a fraud!

I just called the 1800 number and they were vey helpful. They told me exactly who they were calling on behalf of and gave me an address to submit payment. We worked through what the problem was and how to resolve it. Certainly everyone should not give out info on the phone and should be a bot skeptical, but being nice and asking the right questions will get you far.

Been getting these calls for over a year, I don't have any debts, so I ignore them. Last creditor who called me was looking for someone I'd never heard of. Bunch of obnoxious asshats.

As far as I know it, I am not behind with any credit company so I choose to ignore the phone calls. Although lately, the calls have been getting more frequent as in several times a day. Should I give these people a call?

I was getting messages yesterday and today on my home phone (which I don't really use). I decided to call and see what is going on, and they are looking for one of my housemates (I own the house, he rents a room). Prior to these calls there were several over the course of the last month from a local bank, so I am sure they turned it over to collections. Even if they are looking for a prior resident at your address or have the wrong "John Smith" or what have you, it's best to call, because a lot of times the final billing for a utility company or something lame can not get forwarded and you wouldn't even know. It happened to my brother when he moved several years back and he never knew about it. Only now did he find out as he's going through a divorce and his wife said all the bills were paid for Sept, but they weren't and she had been habitually not paying in full. When he went to turn it back on there was the overdue amount plus a fee for reinstating, plus a deposit since he's "known as a person that doesn't pay on time." The kicker was a place he moved out of probably 10 years ago, the last bill didn't fwd and he never knew about it and he had to pay a 2nd "doesn't pay on time" deposit, which is strange as he doesn't have 2 residences. But at any rate, if you're not the person, they'll clear your name and it would end the calls and if you are the person and are nice and find out there's something you didn't realize was out there, they'll be more apt to put good marks on your credit for handling it professionally and help you out. It can't hurt to call. As for the original poster, I cannot imagine paying a couple hundred dollars in fees to borrow only a couple hundred dollars, you definitely should be in good communication with the company as it sounds like your credit was already in some trouble to begin with. Hopefully you can get things settled and agree on a payment plan that works for you. You may also want to seek out a non-profit organization that can help you. If you own a home, there are often ones that specialize in providing services with home, repairs, mortgage etc so that you are not snowballing the trouble and can get back on track. Best wishes.

They've been calling me since I got my new phone number. And they're always looking for someone else. Apparently the person who had my number just before me had a lot of debt out there (probably why they no longer have my phone number). Ugh. I just moved to New York, so maybe I'll switch my number to try to get rid of some of these calls.

I called back one day, only to be given to the voicemail of Ms. Stevens. I explained that I was not who they were looking for and would appreciate the courtesy of being removed from their calling list. I hadn't heard from them in about a week and a half, but got another call this morning. No message this time. I wouldn't have known who it was till I googled their phone number.

Found this address for these folks on another site.

Accounts Receivable Technology
1 Woodbridge Center, Suite 410
Woodbridge, NJ 07095

1-800-392-4029

Do a little research: the company with this phone numbers calls people + leaves obnoxious, threatening messages on people's cell phones, some of which were just activated. If you read the 800 forums, you will see that people with perfect credit, 15-year olds + even people with no credit are getting belligerent calls. This company has access to people's credit/debt information, which is how they are able to convince people they're legit, but it's very very dubious. Do not give them any of your personal contact details. A legit company will identify itself, call you by name + follow regulations for debt collection.

I recommend you that you jam their lines, when you have time, just dial their number and live the call live, they are paying for it as it is an 800 number.
If we all do this at the same time, then will see what they do, also this will jam their lines as well.
Be pro active, if they have the right to harass you do the same, don't talk to them just leave the phone on, do not answer and do it again and again and again day in day out.
Forsa

Sue them... I did and got 1000.00 because they are breaking the law. I used www.collectionstoppers.com and it does not cost you a cent.

This company calls me multiple times a day, outside prescribed hours, and will not identify themselves when asked.
When I call them and ask for a letter to clarify the debt, they tell me this is impossible and become belligerent. When I threaten a cease and desist they tell me to "pay your bills" and then hang up.
This is a debt that was paid several years ago.
They are known as Accounts Receivable Tecnologies,
Business Contact and Profile
Name: Accounts Receivable Technologies
Phone: (732) 726-5692
Fax: (732) 726-6490
Address: 1 Woodbridge Ctr Ste 410
Woodbridge, NJ 07095-1151
Website: www.firstcreditonline.com
Original Business Start Date: June 1998
Local Start Date: January 1998
New Owner Date: January 1998
Principal: Mr. Frank Russo, President
Customer Contact: Mr. Frank Russo, President - (732) 726-5692
Entity: Corporation
Incorporated: January 1998, NY
Type of Business: Collection Agencies, Credit & Debt Counseling
BBB Accreditation: This company is not a BBB Accredited business.
Additional DBA Names: First Credit Services Inc.
ART
A/R Tech
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Additional Locations and Phone Numbers
Additional Phone Numbers
Tel: (800) 392-4029
Tel: (800) 828-5658
They can also be reached at 732-726-5692, 732-726-1800.
You can report them to the Federal Trade Commission at https://www.ftccomplaintassistant.gov/

Appears to be a collection agency for GMAC