I got this call @ my employer and my sister rcvd it! How did they get her #, saying they want to serve a judgment?? What and Who is this??

If they are filing a case aganist you, why are they calling you, What a lie. tell them to get lost.
Send them a letter, telling them not to call you any more. They have to stop. Just tell them,(I don't want to hear from you any more .Period)

All you have to do is send them a letter not to call you any more, Period.
Most are even Licensed in your state.
You could ask them for their Texas License. They probley don't have one.
Call a Private Debt Mediator and let them call for you. they will stop them, its free.
202-684-8663

This is juat a collection agency.

I have been working with my Attorney Since the begining of 2009 against these people (CAR) I recieved a new car from them today I was so happy when the man Mr. Hunter gave me alot of important info so I can turn them in to my attorney.  I have also open an complaint with my state attorney generals office here in the state of Texas.. Also a little FYI please look up the Fair Debt Collection Practice Act this is what the law allows Bill collects to do and it tell you YOUR RIGHT as well. I know these are hard times but we can be smarter then them!

I was called by this number at my office and the caller's name was Arthur Judge who stated that he was from the Law Office of CAR & Associates and that a case was being filed against me in clerk of courts in my county and that he was just following their rules. The debt was from a payday loan in 2007 and with fees/charges, the total was $1585 but they would settle for the loan amount of $1200. He referened a "rollover" program which after explanation was just putting the balance on an already active credit card. When I stated that I couldn't come up with the whole $1200 by the end of the month (the next day), he informed me that they had done a demographic study and that family members have more than 4x this amount on hand, could I get it from them. I stated no and that was a ridiculous statement. I asked for a telephone number to call back and he stated that without getting a payment arrangement before hanging up the phone, he would be unable to stop any proceedings in court against me for willful fraud against a financial institution and that he would wait on hold while I made arrangements. I stated no, but I would make a $50 payment the following day and provided my debit card. I know I'm probably being stupid but I read the stories on here and don't want to risk further contact with my supervisor or payroll office.

First off, let me just say "these companys love people like you".
They know you will most likely panic or make "mistakes" making it easier for them to harass you or claim judgment.

Most times the person owing the debt does not know his/her rights and
ends up becoming the victim of this greedy company.

If you have not receive any documents by mail about this debt.
Do not give them private information by phone, "they have no right to ask or make you" write anything they say down on paper.

(Ask what's this about)
Time of Day: AM or PM
The Date, they called on.
There loan # or Acc #.
There Phone #
His/Her Name

Also don't be rude to them or threaten them.
And say "Ok i do not wish to be notified again over this matter again".
You can get your phone records to prove this, useful if they use scare tactics or harass you none stop.

Then call a/your lawyer, and have him start the process. Give him/her all your info about them you collected.

#1: They cannot call your place of employment!
#2: They can only call you more than 3 times before it's "Harassment"
#3: They failed to provide you with valid documents " Note how many business weeks since they reported it to you".
4#: Calling family/friends/co workers for bank info credit card numbers is illegal.
#5: You will only accountable for the amount "owed". You lawyer can get the rest thrown out.
#6: You can also be awarded damages if you win, ask your lawyer about this.

I have seen a lot of people be scammed out of thousands of dollars over a small debt, injust yes but they know how to work the system!

With any luck, you will be free of them "by settlement" or "a victory" in your
favor.

Hello.  I just got a call from this company (CAR & Associates).  Her name was investigator Kim Blackman.  She stated that there was going to be a case civil suit filed against me in the city I lived in.  She gave me a case number and told me good luck.  I have no idea who they are, what this debt is for or how she got my work number.

These guys called me at work. Mr. Robert Write left a message for me..same story, there is a civil case filed against me in my county (because I have not responded to them) and I need to contact them. Well, first thing I did was check my county court cases. Nothing has been filed against me. Mr Write called me yesterday and I hung up on him as soon as I heard his voice. He then called my supervisor stating that there is a case against me. How the heck did he get my supervisors name??? How embarrassing trying to explain! I called in the evening and spoke to a man name clark and explain what was going on. He explained to me that it was not their practice to contact anyone but the person that a debt is about, it is illegal and would bring it up in a meeting today & deal with Mr. Write....I also told him, that I have never received anything in writing and he read my address to me.......Sorry, not my address! LOL. he did ask for my email and would send me what the debt was.....He has not sent it yet...I also told him that i sent a seace & desist letter, and filed complaints with the BBB, FTC & ag...let's hope this is dropped!

They told me that I had an hour to make a decision on a pay day loan I had two years ago, they call and call and call,  but didnt have any of my personal information.  Dont give these people s**t.

I've been contacted by Central Credit Services threatening to garnish my wages. They were rude and obnoxious. I asked for a letter to be sent out detailing the debt. They refused at the time I'd justed returned back from Desert Storm and settled all my debts. By law they're obligated to provided the legal paper work they are saying that it was mailed to an address that I lived at 17 years ago, but ironically they were able to find my work. Is this legal? Can they attach my wages? They're saying I lost by default. What kind of cruel game is this? Please help!!!!!

It is illegal for a debt collector to call anyone at their place of employment and to harass you over the phone...my suggestion would be to contact your local police department, I know I did and got results....

This company can't garnish wages...it is illegal to have your wages garnished when it comes to a debt...unless it is by the federal government they are the only ones that can garnish wages...

THESE CROOKS WILL NEVER LAST//THEY CLLD ALL OF MY FAMILY MEMBERS AND MY JOB- THEY TLK 2 ME LIKE I WAS NOTHIN//I REFUSED 2 PAY ""ALL OF THE INTEREST AND LATES FEES""- NOT THE DEBT- THAT WAS ATTACHED 2  MY ACCT SINCE 2006'//  I WAS SERVED @ MY JOB// I WAS SO EMBARSSED//I STILL  WASNT CONVINCED TIL I MISSED MY COURT DATE: NOW MY CHK IS BEIN GARNISHED BIWEEKLY FOR 10X'S THE AMOUNT OF THE ORIGINAL DEBT//HOW CAN THIS B LEGAL// I CANT LIE -I WISH I WOULD OF LISTENED

Here's the deal. Someone collecting a legitimate debt will follow the proper legal, formal procedures without complication. Talking to these people is intentionally made to be difficult...it's there job. They will make you feel like you're wrong, but you are not. YOU ARE NOT RESPONSIBLE FOR MORE THAN YOUR DEBT IS WORTH. They will try their hardest to convince you otherwise.

Just follow procedure...ask for a debt validation letter. I was argued with, threatened, and the staff refused to take my statements professionally. The minute I mentioned following a formal procedure (the validation letter) they all of sudden agreed with me and settled for what my actual initial debt was worth.

I'm no expert, but I'm willing to bet that all posts to this website stating that their wages are being garnished, etc. are actual employees or proponents of CAR associates. Call Debt Consumer Care @ 800 debt 913...they are the most helpful people I've found.

You're days of scamming are numbered CAR...truth is prevalent during this beautiful age of unlimited information.

I was receving several calls a week from this company and they were also calling my family members.  I called them back and got there address-CAR and Associates, 450 5TH ST NW WASHINGTON DC 200012739 US, Attn Mr Gravano.  I sent them a letter requesting them to supply me with validation of debt. I sent the letter certified mail and have not received 1 phone call from them since they received the letter.  I also filed a complaint with the Ohio Attorney General.

yea i had the same thing at work making it sound like it was r eal inportant so i got ma att after them thanks

I was just taken to court by this firm and they won. These people are no joke do what ever you have to, to resolve your matters. My original balance was only $400 from the payday loan place. They won $4,500 after interest and fees, the judge said I agreed to the contract. Man I wish I would have worked with them when it was $1,400

This company is a third party collection agency that will make collection sounds extreme so they can scare people into agreeing to a payment arrangement or garnishment of wages...Don't give out any info...without asking for them to send you papers in the mail and ask who do you owe the money to and how much....They can't summon you to court over a phone, you would have to get served with a court order through certified mail or in person. Most likely they are trying to scare people so they will pay...I read somewhere that they deal with old accounts that the statue of limitations already ran out on a previous collection method so they bought the accounts and use the scare tactic to get as much money possible out of these accounts for themselves. So, if you have an old bill out there that is probably what it is about. I would not recommend giving out personal info over the phone such as SS#, Bank acct, or debit.

This just happened to me as well, with a call received on June 10th ..  they left a reference number, saying that they were about to file a civil complaint with the county district court against me, and left a number for me to reach them back at - (202)684-7140. But the number doesn't even seemt to work/I can't get through. They left the message at work, and I don't even know what to make of it, as I'm totally lost as to why a complaint might be even filed against me!

i got a phone call from a CAR and Assc. they called from the main office and gave me a chance to settle outside the court system.... i wanted to but had no checking info or credit card to put my intentions on file so they hung up in my face.... next i got a call from a satilite office in my state giving me one last chance, after that my supervisor and payroll department recieved faxes, i had to sign the papers for a garnishment and now they get 128.41 a week :(

These people are calling me say I owe a debt to them, never sent me anything in the mail as I requested, plus when they told me what it was for, the debt they mentioned has already been. they now have someone else calling me saying they are going to serve. If they inted to serve me then I will sue them for harrassment for calling me at work(I saved all voice mails from them) Thye say they are in Washing tom DC, 202 area code, however the other guy that called was from an area code in NY. Just wanted to make you aware of this. They awill try to collect on a debt that is already paid. This is crazy scumbags

THESE GUYS ARE NO JOKE..... THEY CALLED ME AND SAID IF I DONT PAY THEY ARE GUNNA RETAIN A JUDGMENT.... WITHIN TWO WEEKS I WAS BEING GARNISHED..... I GUESS THEY ARE AN ARBITRATION OFFICE OR SOMETHING... BUT I KNOW I WISH I GOT MY CHECKBOOK

I recvd this call on my home phone the number was 202-684-7132 and they just called my cell number from 202-684-7140 guy said his name was Mr Sanchez an was filing a fraud complaint against me reg my SS# through my county says he is from Arbitration dept of CAR assoc I want to know how these ppl got my cell number its freakin me out now he said it was a 24 hour notice that he was giving me and he keeps calling back days and days and days later saying the same thing

I reccieved a call from this place claiming to be contacting because A civil case against my girlfriend. The caller left a case number that happened to have the last four digit as her social security number...Very odd and mysterious since she has no idea what it could be about...

Seriously,  these people whoever they are can threaten all they want...they have picked the wrong person to harass...a friend of mine works for a police dept that specializes in these types of phone calls and there is nothing they can do to you over the phone...all you have to do if you think this is for real is contact your local police department and let them know what is going on..that you are being scammed. They may threaten a court hearing, affidavit, etc.  simply look up your local county government website to search public records...do not play into these fools games...

I SPOKE WITH A MS. JUDGE CAR & ASSOC, AND IT TURNS OUT THEY WERE HANDLING A CASE I HAD WITH MY LANDLORD, SHE WAS ACTUALLY VERY HELPFUL AND HELP DEFUSE THE WHOLE SITUATION AND MY OLD LANDLORD DROPPED SUIT...

THEY TOLD ME THE SAME THING THAT I NOW OWE THEM 1600.00 AND THAT I NEEDED TO OPEN A CHECKING ACCOUNT AND OR THAT I NEED TO OPEN A MANUALLY MONEY CREDIT CARD AND UPLOAD THE MONEY IN PAYMENTS ON THAT AND THEY WILL TAKE IT FROM THERE. THEY HAVE NOT THREATENED ANYONE I KNOW AT THIS POINT BUT THEY ARE SAYING THEY ARE GOING TO HAVE ME SERVED IN MY COUNTY AND THAT I WILL HAVE TO APPEAR AND PAY. I DID HAVE ONE PAYDAY PERSON DO THIS TO ME THROUGH THE COUNTY AND THE SHERRIFF DID CALL BUT THEY GAVE ME THE PAYMENT OPTION OVER THE PHONE AND TOLD ME THAT I CAN GO BACK INTO THE ESTABLISHMENT TO PAY AND JUST CALL THEM EACH TIME I PAY THEY HAD THE CHECK I WROTE I GOT IT BACK AND I AM CLEAR OF THAT BUT SOME ARE REAL AND SOME ARE FAKING TO SCARE YOU. THIS COMPANY I AM NOT SURE THOUGH AND I DO NOT KNOW WHAT TO DO MYSELF?

i RECEIVED A CALL TODAY FROM A MRS JUDGE STATING SHE WAS A WHATEVER AND THAT I NEEDED TO CALL HER IMMEDIATELY WITH CASE # YADAYADA AND THAT IF I DID NOT CALL THE CASE WOULD BE FORWARDED TO MY COUNTY CLERKS OFFICE AND A SERVING WILL BE SENT TO EITHER MY HOME OR WORK BEING FORCED TO APPEAR IN COURT IF I DO NOT CALL IMMEDIATELY HAVE MY REPRESENTATIVE OR ATTORNEY CALL MRS JUDGE. AND GOOD LUCK. ARE THESE PEOPLE JUST COLLECTION AGENCY OR ARE THEY FOR REAL IT CAME FROM THE 202-684-7140 NUMBER. HOW DO THEY KNOW THEY ARE CALLING THE RIGHT NUMBER AND HOW DO THEY KNOW WE ARE ACTUALLY RECEIVING THE MESSAGES. WHAT SHOULD WE DO? SHOULD I CALL OR JUST WAIT FOR THE SO CALLED WHATEVER

This is a SCAM!! This number is a residence..My relative was getting calls about me scaring her into believing i was being sued etc..I too had to close a bank account because of fraud. Is this them???   weird DO NOT give them ANY information!!