Check Resolution Services threatening to serve summons–I’m too scared

Pepper,

Have you tried to call Check N Go themselves about this issue? I'm not sure, but they might be willing to work something out with payment arrangements.

I don't blame you at all for not giving this guy your banking info. I would be very skeptical about the situation, especially the fact that you said everytime you call the number for "Kevin," it's really him, but just using a different name each time. He's probably thinking that he is scaring you by saying you will be served a summons if you don't take care of the matter with your debit card. Keep refusing to give your banking info.

Send this company a debt validation letter.

By the way, has Check N Go even contacted you at all?

Check n go did contact me right after the payment was missed, but that is all.

Got another call from "Kevin" today telling me that he received a confirmation fax from Check Resolution Services to serve me today after 3 p.m. if I didn't contact them to try and work something out. He wanted to know if that was a good time for me? Stupid question! Now "Kevin/Seth" was supposed to call me back to tell me what the bank "First Federal" would agree to. Isn't the lender for Check n Go First Bank of Delaware?

I will try to contact Check n Go to see what's up. When I tried about 8 months ago they told me that the account was in collections and they couldn't do anything.

I'm really close to just filing for Bankruptcy with everything else that's going on in my finances lately. Does anyone know if PDL's can be discharged in a bankruptcy?

it's possible check-n-go charged it off and sold it.this person can't have you served in that short a time.check your state laws in regards to recording calls.still look into it with check-n-go,but i'm almost sure they sold it to this JDB.if you have an address send a DV and C&D letter.send it certified mail return receipt.

I don't have an address. Of course, "Kevin" won't give it to me. I asked for one to send a money order for payment arrangements, but he just started hemming and hawing and saying that my payment would probably come in too late to stop the summons and would probably be sent back.

He advised me to just go out and get a prepaid visa and give him that #. Told him that I didn't have the money to do that on that particular day and he told me to just give him my debit card # until I could afford one. He said he knew how I felt about my debit card and it wouldn't be used, but just needed it to satisfy the bank so they would agree to the arrangements. I told him no. He said he just couldn't believe that I'd rather go to court than give him my debit card. I just said I'm sorry.

Try writing to the corporate headquaters. That's what I'm about to do. They actually did break a few laws here. They also tried getting my mom to give him information. Luckily my mom doesn't.

he either has 5days after first contact to send a dunning letter.or within 30 days to file a lawsuit.next time this doofus calls let him know that.the clock started when he left that voice mail stating you would be served that day.now that time frame may be shorter,but it is around 30days from when he mentions it to acting on it.he can't just throw those phrases and words out there.keep track of the calls.if by some chance you get an address sue him out of existence.

btw here's the link for headquaters address, i'm about to write them as well as file a bbb complaint.

Mystic,

The link for the headquarters address did not show up. Could you please repost it.

Thanks

Sorry thought I posted the think.. argh.. for somereason it's not posting it. Go to Check'n'go and then about us page and down on the bottom it has "corporate headquarters" address.

I just got the same call from the same number!! I gave my information! They said I was being brought up on bank fraud charges!! Now I want to stop payment and don't know the name of the company to stop it!!

Call your bank NOW and explain the situation. Did you give them your debit card/credit card # or checking account info? If you gave them your debit card/credit card # just tell the bank what's going on, they'll cancle the card for you. (Or they should)

That say guy called "Kevin" called me as well in reference to a pdl loan from august/2007. I had posted a new topic in another area and this is one response that I got:

Checkngo is legal, however Check Resolution Services isn't. IF you google the phone # they left you'll get lots of hits. If you do a search here on Check Resultions you'll also come up with lots of information. Unforatently I can't post a link, but hopefully someone will come along. I filed a bbb complaint against them last two fridays ago and this is what their corporate office said:
Our records indicate that we have not had any account action on Ms. Pagenkopf since 2002. At this time her account was marked as bankrupt and her account written off. In addition, we have no contact with a company called "Check Resolutions Services". As far as the debits to her account, as stated earlier we have no record of this. If Ms. Pagenkopf would like, she can send a copy of her bank statement with debits by Check 'n Go to us and we can investigate further. ....


*** So needles to say we are not the only ones dealing with Check Resolution Services and it seems that we need to start filing complaints. I am still baffled though as to who First Federal is because like others I thought check n go used First Bank of Deleware and that is who I thought the pdl I got was through. I tried to do a search on First Federal and came up with nada -NOTHING! In my opnion First Federal might not exsist at all.

I just called back the 888-995-0615 # and talked to "Mr. Carlson" He was a complete jerk. He said I am definitely going to jail if I don't pay this and he hopes I look good in "County Oranges" I guess that means the jail jumpsuits?? Whatever I called the Attorney Generals office in my state (michigan) they said that I cannot go to jail for this, they can sue me but that is it. He also told me they would put a hold on my license and I can get pulled over and have to wait to be served. The Attorney General's office told me NEVER to give information out over the phone!! I called my bank and they said they cannot stop it unless it was a repeat withdrawl. It was just my checking account info, not a debit card. I don't want to have to close my account and re-route my direct deposit, but I guess I have to. Kevin also told me that if I value my freedom, I should skip out on my house payment to pay this. I asked to at least break it up more instead of half now and half in 2weeks, he said they don't finance debts. He kept comparing me to a bank robber!! He treated me like I was stupid! The attorney General's office told me to go to the state of michigan website and file a complaint right away and to close my account. They make you feel so stupid and like a loser at these places. I wish I could just pay it so I wouldn't have to worry about them, but I really can't. I lost my job when this defaulted and haven't worked since. He said unless I am homeless, I have the money to pay and that's how the judge will see it.

I just rec'd a call from John Lawrence who said he was a private process server. This is a debt over 2 yrs ago and he is just calling me. He told me I would be served by the end of today if I didn't call Check Resolutions Services to get this taken care of. Said it looked pretty serious. These guys must think because we were deperate enough to get the pdl, we must be stupid when it comes to the law. According to a local attorney in Tx all you need to do is tell these guys not to contact you anytime. If they do you can file against them. Of course, you still owe the debt. This just means they can't harass you.

you are right on.we all advocate paying what you owe.we just don't condone the illegal practices the PDL'S,CA'S.and JDB bottomfeeders use.

I received a call from Check Resolution Services about 2 weeks ago. They told me I would be served in 2 days. They asked me what day i prefer. This was suppose to be the private processor. She gave me a number where i spoke with someone name sara, funny when i mentioned sara's name the rep on the phone melissa had no clue as to who i was talking about. I guess someone just made up a name. The called me and told me I would be brought up on charges in my state, and that I would be served with court papers today. Finally thing like you guys I can't find information about this company?

I know everyone is wondering whether or not this is a legit company. I received a call from them with the same exact tactics that everyone is reporting. I too freaked out and provided my bank account information after being threatened to be served at my place of employment. I mean come on how embarrising is that. I was too nervous at the time to try to find out if this company was legit before giving them my bank account information. During the time I gave them the information I asked them would I receive something in the mail cofirming they represented check and go and regarding our payment arrangements. I never did. They did take the money I agreed to from my bank account inspite of me receiving any written communication from them. So I called them and asked for the paperwork. I was placed on hold for them to confirm if they indeed mailed them out only to find out they never did. So I requested they fax them to me. They faxed a damn letter I could have typed up myself the same day that I called to find out why I didn't receive anything prior. I was pissed, so I called check n go myself to complain and spoke with their collections department. They looked up my account with them and confirmed that they did give my specific account to these bogus ass collectors who definately disregard ALL the FAIR DEBT COLLECTION PRACTICES ACTS to get the debt paid. They are a legitimate company as confirmed by check n go so if you owe check n go it's best to pay them. They do use bogus schemes such as jail threats, warrant threats and fake names representing county officials to get you to pay off your check n go pay day loan debt.

This company does really collect for check n go. I called check n go's collection department and they confirmed they gave these rude ass people who do not follow fdcpa rules to collect debts my account to resolve. I want to file so many complaints about them but don't know where to start. I gave my bank information, set up payment arrangements and they are taking the money out of my account as agreed. If you owe check n go it's best to just pay them. I can't believe check n go who is such a reputable company would give this scam artist collection agency their accounts.

I came accross this site while searching this check resolution company after receiving a call from a man in my county. He advised me he been retained to serve a summons and complaint and to provide a courtesy call before the summons was served. I didnt mention the fact that I am a retired attorney and I specialized in bankrupcy. I then called this check resolution they informed me of a pay day loan I took out with check n go about a year ago. I was desparate for money at the time, went through a divorce etc. I authorized a check to be deducted from my account for repayment of the loan but my account with my ex wife was closed when check n go went to get the money. From what I could gather, and this is common practice when a creditor sues someone. Check resolution had been retained to handle the litigation and paperwork filing for the lawsuit request. This sometimes requires an arbitration which can take quit some time. As far as these criminal charges being filed, the man I spoke with "Ken Morgan" Advised me there are none. He said that the bank financing these loans are quick to jump the gun when someone closes their account. Due to the fact that there are people who try to make a living at taking out loan after loan with different lenders and close their accounts.

sorry got cut off there.
In cases of a civil claim even small claims court, the complaintant can request that they provide a final opportunity for restitution to be made out of court. The messages that I have read on this blog clearly indicate the lack of knowledge on this subject. We are all aware of the Illegal tactics that collection companies use to try to get people to pay. I had no treats of jail or a warrent for my arrest. Some of these Blogs are clearly falsified and blown way out of proportion. My dealings with this company lasted about 5 minutes due to the fact that I am on Social Security and dont have the means to pay. The only option I have is to not show up at the court proceeding and let them file a judgment against me. I am to old to care about credit anymore and have no assets.
The Best advise I can offer is to stay away from the 250% interest pay day loan sharks.

If it's really a legit company, then why did someone from Headquarter Corporation tell me differently? This is directly from Headquarters people. Sorry, I'm going by what Headquarters tells me, not someone from check'n'go who will say pretty much anything.

Wanted to also add, if it's really a ligit company, then why can't we find an address for them? As I said, i'm going by what somoeone from Headquarters tells me. They would know of all their collection agencies.

My, my, check resolution has been pretty busy, calling everyone. I received a call from a so call process server and was told to call check resoultion. I called and spoke to Ken Morgan...he was very nice and explained to me about a pdl that I had with check n go. I completely forgot about it. I gave him my debit card info and and charge has already been deducted from my account. I just want to get this taken care of as soon as possible. I know that they use illegal tactics, but don't they all.

I've filed a complaint with the BBB and with the Attorneys General office in my state because of this. Yes, they've been paid to clear up my balance with check n go but their means of going about it isn't necessary and I agree why are we not able to find any information on them whatsoever? Aha it's because they use bogus ass collection tactics to get debts paid and do not follow up like normal collection agencies to confirm payment arrangements. Have you received your letter in the mail pddiva from them agreeing to what you authorized?

I recieved a call from some guy named Tommy Davidson, who transfered me to Kevin Carlson/Seth. Yes they seem to be the same person. I made arrangements to pay the PDL.Informed them that I would call with my cc info as I do not give that info to supposed pre authorized drafts. The day the draft was supposed to be made they called me at work. Stating there were gonna file charges for forgery of a financial institution. These dumb asses were trying to draft an account that had been closed for 3 years. They were so rude, I said F*ck it, why give you my hard earned money and you still gonna be disrespectful. They been calling every day.

TROLL SPEW DELETED.it's obvious you work for this garbage company by your wonderful verbage.want to judge?get a law degree and go to court.if not then you just got got zapped.
paulmergel

what's obvious is that i'm a moderator and i can and will delete your posts.your troll spew will be deleted just know that.

paulmergel

I just received a call at work from someone saying the EXACT same thing as everyone is typing on here. Looks like they have a script they read and they call from an unknown #.

I have received calls from this company as well. How can we start a nation wide complaint against this company as they are calling my job leaving these threatening messages on my voicemail. I asked them for their BBB ID# and was told that Check Resolution Services have not been in business for 2 years which is the requirement to be registered with BBB. I also asked for a website but the site is always "under construction".

Hello
We had the similar circumstances. And actually offered to pay them less and they would not hear of it. They keep telling us that the bank has rules and that he could not release the name. So in other words the bank that wants to take me to court on a "felony charge" will not give me there name. Seems fishy. Since when to servers call to find out when you will be home! I love it. I am just glad to know we are not alone. I would never do another PDL again! This was awful!!!!! I was scared into a payment arrangement. They kept saying that it is a felony over and over again. It is wrong!

wow this just happened to me 1 hour ago! I also spoke with Ken Morgan, and he threatened me with going before a judge and going to jail. I caved and gave him me debit card number! Guess Im calling the bank and getting a new card issued!

Wow..I just received the same type of call from a restricted nubmer. The private processor "Tim Watts" told me to call check resolution at 888-601-0060 to discuss my bank charge fraud because if not I will be served tomorrow at work. I was like what are you talking about bank fraud charges? He said mam I suggest you call I go what company do you represent and what is your number, he stated he is not authorized to tell me that information. Tried to use the same scare tactics as many of you have mentioned so I just hung up.
I did a search on the net and their website is under construction and I can only assume that its for a pdl I took out with Check n Go long ago and have been trying to work out payment arrangements with them without having to give my bank account info. Because I have not written any bad checks in my life...this is crayz.

I have been behind on paying debtors off and this is one of them but its not like I won't be paying them you know but its got to be something I can afford monthly by money order. I had to close my previous bank account in 06 because of pdl kept drafting unauthrozied after pdl was already paid of course they the online pdl's that were hard to trace such as Route 66 etc..

Trust me I do want to pay my debts but I won't be bullied into giving my account over so easily without information from the collection people.

I had a call from Tim Watson left on my voice mail, saying the same thing. An attorney told me that it is no way you can go to jail for this; only civil court, and most judges in the state of texas will only make you pay half the debt back, because they think of these guys as legel loan sharks

Hey everybody I think I got a possible address for these jerks. i did some research for this company and the registrant is Patrice Underwood with an address of 1124 Minnesota Street Shakopee,MN 55379

NEVERMIND THAT ADDRESS IS INVALID PLEASE disregard it . thanks everybody

[email]info@checkresolution.com[/email] is INVALID
Mail Server: Not found
Comment: checkresolution.com does not have a mail server

I live in Texas and also received a call from Kevin/Mr. Goldman saying I was being charged with Fraud, defrauding a lending instutiton, theft by check...needless to say this was left on my office voicemail. After a little research and finding this string of postings, i realize I have wasted a day worrying about nothing. When they called the second tim, I refused to provide a debit card or checking account number- I was told that this was a courtesy call before this issue is turned over to the Bexar County District Attorney, but the first caller said I was being charged with several things and it had been filed this morning. They went as far as to contact my Father in law in Florida (no idea how they got his number)...they said they were trying to locate me. I was being investigated for fraud. I am now filing my own complaint with the Texas Attorney General

I have the same similar story with this ignorant company. They are dodging my request for a debt validation letter and won't give an address. Now what???

I had dealings with this company just yesterday with a similar story to all the ones posted here. I was called by a Howard Goldman claiming that he was a server and I was having charges filed against for fraud etc. This was left on voicemail on our home phone and both cell phones. Come to find out he also contacted my mother in law, my grandmother in law, my brother in law and also his wifes dad and uncle. When he called my cell again I answered. I simply asked for a debt validation letter and he said he couldn't that I needed to call the number. He then proceeded to call my husbands cell and left a nasty message saying "he didn't have to abide by silly laws" (we have this message saved) I called the number this morning and the guy that answered would not give his name. I asked again for the letter and they said he wasn't a collection agency and so therefore couldn't give me one said I was going to be sued and hung up on me. I then contacted the BBB and filed a complaint and then called my Attorney General who gave me the number to the FTC where I filed a complaint as well. 2 hours later I received a call back from the agency from a Ken Morgan. He was really nice and said that he was emailing me the letter I requested and that they had put a stay on the lawsuit. He then gave me his extension and told me to call back once I received the letter and was ready to make arrangements. Needless to say I still have not received this so called email. My best guess is the returned call and promise of a letter was a "please hush up" ploy and that they had already gotten wind of the FTC complaint. I doubt I will ever hear from the company again.

I just had a call today they phoned my mother and tld her that they need to for me to call back before they come and take to the house to summons me paper b/c i have to go to court and i will be going to jail my mom was very upset my mother is elderly and very ill when i called this place they stated that yes that this is criminal and i will be going to jail i work in collections they legally can nt say that unless it is true i h/u called my attorney bc i filed bankruptcy and i called back adn spke to a female that stated that this is not criminal and that i commited fraud i knew what i was doing and before she h/u on me stated that i should nt bite more then i can chew i got very upset i started crying i called back another rep answered and said maria stop calling now you playing games all i wanted to do was speak w/ someone to get this taking care off right when they did that i called attorney general office and i will be filing a complaint

what is ftc and where do i file complaint

FTC is Federal Trade Commission. The number to file a complaint is 1-877-382-4357....This number came straight from the Attorney Generals office.

I had the same problem with paying off Check N GO but they first go through Bank of Deleware and when it goes to collections they use Recovery One. They are legit and are very helpful in making arrangements. Look at the FDC site they tell you what creditors can and can not say to you. One is that THEY CAN NOT THREATEN YOU WITH JAIL.

These people have been calling my parents, they called my friend in PA (I'm in AZ).

I just spoke to them and gave them a gift card I received yesterday, but did not give them any bank information. They took all the money off of the gift card (which my mother had sent to me to be used for clothing, as I'm sorely lacking) and are demanding more by the end of the month. I'm unemployed due to the economic downturn and probably won't have any money until I file my taxes and get a refund.

I had found this thread last night and quickly read through it-I was contacted by "Robin Waters" who said she was a process server in my county and she said that she was asked by this company to give a courtesy call before serving me with the summons. The guy I talked to at Check Resolution Services told me that the PDL industry has made a massive complaint to the Attorney General and that the Attorney General is leading this massive suit against those who aren't paying and that the legit people who didn't mean to default are being given a "small window of opportunity" to resolve these issues.

I'm trying to get in touch with the AZ Attorney General now to find out if this is truly legit or not.

Whoops, sorry for the double post. Mods, please delete.

done,now i see these morons are getting desperate.that is not happening.there is a motion to prohibit or regulate pdl's out of AZ.now i would let the AZ AG know that an illegal bottomfeeder is using there office to spread a total lie.

Oh I know. The PDL industry tried to pass a "payday loan reform" measure that would allow them to stay under reform. It was voted down (I was one of those who voted NO on it!) and I don't doubt that given that, they're scrambling.

My AG office is having a holiday luncheon-as soon as I know what's what, I'll post here.

Got an update for you guys

I called the AZ AG office to let them know what was going on and the woman I spoke to was *very* interested and asked me to file a complaint online. As I was filling out the form I realized I didn't have the address and I called Check Resolution Services to get the address.

The man who answered was rude and at first I said I wanted the address for a DVL. He said they don't give out the address for security purposes and then I said I'd be filling a complaint with the AG.

The man demanded to know what the complaint was for but still would not give out the address so I hung up and just included the phone number. No sooner than I filed the complaint online I get a call from "Jimmy" who is a supervisor there who wanted to know why I had called so upset. I told him and he apologized, said that the AG's office was not involved and of course they could work out a long term payment solution (I'd been told before they "don't finance debts") said they'd be conducting an investigation into the situation and that he would call me back the next day.

That was two days ago. He calls back today and says that no one confessed to telling me anything about the AG (big surprise!) but given that I've paid $100 that they were going to take just another $150 and call it PIF, which I agreed to.

Definitely know your rights and thanks to you guys, I knew mine. Thank you so much.

Time Watson, he meets the same criteria as all the others mentioned. I new immediately it was a host, However, I did get an e-mail from one of my debtors that said that if one of them call ask them specifics get there name and they will report them. Right now, my priority is my mortgage everything else comes second. With God on your side, how can you go wrong? Thank to you all for the very detail information.

has anyone contacted a lawyer about this???? they did me the same way and i cant afford to be "giving away" money!!!