In PA and in a JAM about Payday Loan

you should prob look into it a little more---- that attrn is NOT w that company lol.. you think u know SOOOOO much hahaha

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I got a call today from a lady by the name of Melissa Wilson saying she works for CCR & Associates # 716-206-6464 saying that since I have not returned any of their calls they will be moving forward to take me to court, but I need to call back with my lawyer information and my statement. This same lady called me 2 months ago saying she worked for IRS Recovery Inc and that the lady that I was dealing with before is no longer with the company. In this previous call she stated that if she did not hear from me they were going to move forward with court. I feel that if you are going to take someone to court you are not going to wait around for their statement or lawyer info, you will just do your thing. I am almost positive these people are using scare tactics to make people give them money they don't have at this time. I am unsure what I need to do at this point. They are really getting on my nerves. I have a new baby and I am not woking at the moment so I am not able to pay them at this time. Any suggestions?

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I used to be an asst. manager for a Payday loan company. Payday loan companies can not take legal actions against you or even charge you interest on a payday loan. All they can do is charge you for the orginal amount plus the fee for having NSF when they went to cash your check and report it to the credit bureau to go on your credit report. So they are full of it when they tell you they are going to have you arrested for fraud or take you to court or anything else.

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I am writing this on behalf of my employee. I received a fax from CCR, Inc. requesting employment verification as well as an employye signature and am wondering if it is LEGAL for me to request that my employee sign this paper?

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I received a call today stating that I was "a person of interest in an important matter" and stating "you need to call us back immediatly or decisions will be made without your knowledge" The number they called from was 760-694-9592 but they directed me to call them at 888-872-7992 x 1. I don't owe any debts and I have never taken out a pay day loan or any other quick cash loan. when I tried calling (both numbers), I got a voicemail and could not leave a message as the mailbox was full. I am concerned they have the wrong person . . . any suggestions?

By the way, I am in California. Never received a call like this before. . .

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Fraud requires an "intent to defraud" at the time money is obtained. Did you intend to defraud anyone and receive money for it at the same time? No? Then there is no jail or criminal offense. That's just scare tactics. They can't send you to jail. If they tried to report you to any law enforcement the officers would laugh at them, but you could get the report they claim they have the evidence and guts to file against you from the officers and give to your attorney and then go sue these scumbags for malicious prosecution, defamation, and violations of the fair debt collections practices act.

NEVER admit to owing a debt that is not yours and isn't legitimate. Doing so can, in some circumstances, create an obligation to pay. Instead, send a letter contesting the claim and why it isn't yours notarized and certified mail to the collections agency and to each of the three credit reporting bureaus. If you have already admitted to owing more than was owed, owing something where the statute of limitations has already expired for collections, or a debt that wasn't even yours, it's worth a few hundred dollars to get an attorney involved to resolve it for you while you.

Get a tape or digital recorder and RECORD EVERY CONVERSATION with and message from this group. If they are making threats of imprisonment or reporting you to law enforcement, or of you losing your children, harassing you over debts that are not owed by you or amounts you never owed or no longer owe it is also worth getting an attorney involved. The fair debt collections practices act allows your attorney to collect his/her fee from those collectors found to have violated (by your recordings) the fair debt collections practices act. You can receive damages from these scumbags and your attorney can collect his/her fees from them instead of you.

Scum bag collection groups like this one-- and the sleeze who work for them who often troll these sites to make vile comments against you-- will even there try to convince you that somehow YOU are the criminal or the one without ethics or integrity. The reality is that when they violate the Fair Debt Collections Practices Act THEY are the ones violating the law, Congress wrote that law with that intent and to force them to pay your attorneys fees for any actions against them, along with punitive, emotional distress and other damages you may receive by bringing the claim against such companies. For you or a lawyer to bring such an action is what congress intended to make sure that ALL parties obey the rule of law.

Finally, talk of taking away your children is just vile and so unbelievably true. EVERY state in this country is bogged down with foster care systems they have insufficient resources to support, and with children who have been raped, molested, beaten, left without food, . . . there is not a state, a social worker, a state budget administrator, a Governor, or a law enforcement officer who would take away ANYone's children for a failure to pay a bill. First, that would be illegal and you could sue the individual and state for that act, and secondly, even if laws were changed to allow this, it's an economic impossibility where there are so many bigger problems children face for the government to worry about.

HOWEVER, EVERY such vile threat about going to jail or you losing your children as a result of failure to pay a bill is not only a lie, it is a separate count/violation of the Fair Debt Collections Practices Act. Sue these bastards and bring an end to illegal practices by them against you and against everyone else on this list they are illegally abusing.


*America's founders did away with debtors prisons in this country that had been prevalent in Europe for centuries. You can go to jail for fraud. You can go to jail for refusing to pay court ordered child support. You canNOT go to jail for inability to pay a debt-- even if it's a tax debt or court-ordered child support. You can go to jail only if you have the assets and refuse to pay (a contempt of court charge, NOT a failure to pay charge-- see the difference?).

Even garnishments of wages, however, as an alternative to jail in this country can only occur legally AFTER a judgment by a court of law where you will have been summoned and had an opportunity with an attorney to contest any claims against you. This is called being sued. And, NO collection company of ANY kind is legally allowed access to your bank accounts, bank account or other financial information, etc. in the effort to collect unpaid debts unless and until you have been sued, you lost the suit, and a judgment was entered by a court against you. Until then, just record the phone calls, take a recording of those phone calls to your state attorney general's office and then to your own attorney and sue these bastards!

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I've never taken a pay-day loan in my life and I just received a phone voice message from these a$$hats! Unfortunately my phone doesn't have the capability to block numbers.

Actually the reason I'm here (as a collector) is to verify the information a customer gave me in regards to this obviously fraudulent CCR & Associates threatening her with charges on a bill they do NOT own right, title and interest to. Word to the wise: Don't make assumptions, and when you decide to flame consumers, posting insults makes you rather obvious as a fraud collector. Do yourself a favor friend and find a different line of work more suited to your talents (i.e. mob enforcer). My job is difficult enough as it is without scammers fouling up the mix more. Just a friendly heads up. In-so-far as the address they give, it's a UPS drop box. Don't pay these people! Call the original creditor and track down the chain of title to the correct agency and I'm sure they will work with you for an amicable resolution.