It's a debt collector. Consumer Recovery Associates. I receive calls all the damn time for the person who had the phone number before me. Thank God for Callblocker.

Got a strange call asking if I can get a message to Geraldine (my mom). I asked them who they were with and they said the office of CRA. I asked what was that and they refused and got indignant. She hung up.

Jennifer from CRA called and left me a message saying it was very important that I called her back to day. No other information given.  Very rude

nancy from cra left a voicemail asking to talk to me or a representative. no other information. very rude tone

It's a SCAM callers! Don't even try to make a conversation with this callers.

No idea. blank answer

This Scam runs illegally and  they threaten people.  Just hang up.  They can't do anything.  Years ago, my purse was stolen and fraudulant expenses occured and I was cleared, however there are companies that buy these open claims and try to get people to give money by threatening them.  It is a hoax and they will go away, I promise.  Don't stay on the phone with them, they will only scare you and threaten you.  They can't do crap!

I keep getting calls from this number.  ask for documentation in writing as I do not discuss this over the phone, was told that I have no rights and they did not have to provide me with anything.  I asked (calmly) for the full name and address of the company, I was again told they do not have to provide me with that either. Keep telling me I owe for a cash advance from a place on the east coast, have never live there.  Was then told I had to provide them with a CC number or my house, job car and savings would be gone by noon next day.  I again asked for name and address of company, it was denied.  I again reqested information sent via mail, was again denied.  I then told then good bye and hung up.  They continue to call at least every thirty minuets starting at 8 AM until 8:59 PM.  I have documention of these calls (caller ID) and have turned it over to attry general.  Maybe then they will get the message

This company keeps calling and looking for Reginald. I've gotten several requests for him, but don't know him. I asked for her information, but she refused to give it. I am on the do not call list and have had my phone # for 6 years......

I too received a call from this company looking for a cousin of mine. I called the number back and provided a new contact number and the agent was very nice and took our phone number of there list. Done!!

Called left a threatening message under Voicemail to call or have representative call. Psshhh... Good luck calling me again... BLOCKED. You don't even get VM privileges, being as your just so nasty. CRA

I have been fighting with these idiots for over two years. The phone number used to belong to a guy who is STILL giving it out and listing it all over the net. I pay for unlisted and non-pub, but they keep accusing me of being that scum guy! I have call-blocking and all the bells-and-whistles and they STILL seem to get by and irritate the *&%^$ outta me! I refuse to pay to have my phone number changed because of this, but am so sick-and-freaking-tired of it. They seem to know everything, why the hell can't they find out I am NOT THIS GUY and leave me the hell alone?????

Not only is it disgusting to have calls made to an unlisted, non-published home number PLUS a call to a non-publicized cell phone....but these people also tried to collect on a debt that another collection agency (out of Amhearst NY) was unable to collect.  

I provided documentation last year with the other collection agency that I was not the person they wanted (someone with same name as mine) nor had I lived, worked or done business in Abilene, Texas.

Collection agents must not have too many brains (If they have any brains to begin with).  What part of I AM NOT THE PERSON YOU ARE LOOKING FOR NOR AM I RESPONSIBLE FOR THE MONEY YOU ARE TRYING TO COLLECT?

Received a call on my unlisted home number on 10 Nov 2010 at 8:56 AM.....then they called my cell phone (same day) at 9:00 AM.  What showed up on caller ID was 757-517-3282.

They threatened to ruin my credit by listing an unpaid loan taken out in 2008 from CashNet located in Abilene, Texas (I never lived, worked or did business in Abilene).

They also refused to provide me with their address or full name of their company.

*Sherry* owes money. I receive calls for her all the damn time. Just received one this morning. I don't know her, don't want to know her, just wish these calls would go away.

Thank God for call blocker.

Luckily the woman I spoke to was nice, I told her she had the wrong number, she meekly said sorry and hung up.

I can't even imagine what kind of personality you must have to qualify for this job. Everyone seems to be a sitting time bomb just waiting to explode. I can't remember who the guy was who called me. But right away he started yelling at me. He talked so fast with a southern accent, and interrupted me while I was talking. When I asked him to repeat himself he said "Oh you heard me, what part of this didn't you understand?" I said "All of it." He said he was sick of me and my garbage (like he's known me all of my life) and I need to pay my bills. I tried to explain that I have been out of work for almost 3 years and he said " oh bull, you are a liar" Then he said that it will be turned over to the lawyers tomorrow and I said, Well then, turn the F---ing thing over, cos they aren't gonna get a dime from me either'! Can't give what I ain't got! I started to tell him off and of course, I hear this female recording saying "goodbye." I guess he didn't want or like being yelled at or told off. I called them back to complain about him and when I told her he was an "a**----," she says "mam, please don't curse at me" I started to tell her that I wasn't cursing at her, I was cursing to her about him" She of course hung up. What a low life group of people they have at that company...Is the whole State in need of 'anger management?" These debt collectors work off of commission, and I figure with their personalities, they will have to get sick of being so hateful all day long and maybe go work in sales if they like commission pay. They're all a bunch of ignorant idiots. I'll answer my phone every time they call....I welcome a good joke. As a matter of fact I am going to call them back everyday, several times a day for a while and tell them they are all idiots and they don't scare me, and ask them where are my papers from the Lawyers? cos I've been waiting and waiting. I'll tell them that I'm getting ready to move to another State and ask "Would you like my new address, or would you rather I call you from my new phone number?"

Casey Price you are an ignorant person you think you can just leave threatening messages? Hope you govern yourself accordingly. This azz calls and left a nasty threatening message wanting to know who will be representing me if she doesn't here from me by tonight. Miss Price respectively get on your hands and knees its gonna hurt now legally.....!!!

got a call from jennifer wilson i had 24 to 48 hours to call her back or legal actions would be taken and i better have my attorney ready i do not know what this jennifer person is talking about and i dont know how she got my cell phone number but i will not answer my phone to this number not now not ever!!!

I received a call this morning, saying I need to call them back, all they gave me was a Case number..  This is similar to call I received over a year ago.  they are Rude, Mean and think they have you buy the short hairs...   They do not scare me...  If I need to I will do what it takes to stop these Idiots...  just do not answer your phone from the number 757-517-3282.

Ask them WHO is going to represent them for making an ILLEGAL threat under the FDCPA and hang up.

Consumer Recovery Associates
2697 International Parkway #4
Suite 270
PO Box 2916
Virginia Beach, VA 23450-2916

The following is the most comprehensive information gathered about this company from various sources on the Internet.

***If you?ve been called by a number not on this list or by someone using a different name, please copy this list, add the number/name in the correct order and repost it in its entirety.

Company Names that CRA reportedly uses:

CIA and Associates
CC Associates
Consumer Credit Association
Consumer Recovery Associates
Court Company
CR Associates
C&R Associates
C & R Associates
Farm CIA & Associates
J Lamb and Associates
and possibly GC Services

Phone numbers that CRA reportedly uses:
215-325-1354
234-542-2874
310-601-7244
310-734-6338
310-855-3688
310-860-6293
317-536-5458
319-892-0349
323-319-5178
404-474-4884
404-963-8760
430-200-0007
505-349-0354
505-718-4945
517-879-4821
615-469-5268
617-674-2967
619-564-4447
619-564-4473
620-273-4256
702-946-0389
703-280-1121
706-417-9193
713-518-1966
757-271-6637
757-271-8786
757-271-8787
757-271-8788
757-271-8789
757-271-8888
757-271-8889
757-368-3622
757-368-3623
757-368-3627
757-368-8004
757-368-8331
757-368-8337
757-368-8537
757-468-0169
775-293-4583
800-762-9864
800-913-4915
801-241-2616
801-349-2616
801-386-7803
805-284-9506
816-332-6242
859-514-0968
864-335-7028
866-272-3041
866-367-0328
866-374-6604
866-418-3360
866-442-2693
866-499-6608
866-563-9556
866-645-6269
866-645-8525
866-645-8654
866-655-0659
866-656-5380
866-657-1658
866-657-6525
866-673-1748
866-857-3916
866-861-9257
877-213-3830
877-217-7084
877-240-5390
877-240-9350
877-241-4559
877-284-6622
877-289-4690
877-298-7036
877-298-7306
877-298-7806
877-320-5615
877-326-5615
877-334-2942
877-360-1616
877-407-9274
877-507-3402
877-738-4814
888-253-9713
888-310-5679
888-413-8823
888-706-4381
949-873-2855

Individual names that CRA reportedly uses:

Donald Adair
Mark Adair
Chris Adams / Christopher Adams
Amy
Laura Angelini
Charles Bambino
Ms. Beagles
Ms. Blaine
Sarah Brevard / Sara Brevard
Peter Bronson
Tracy Burman
Mr. Cagle
Mrs. Campbell
Ms. Catasin
Kirby Chapman
Vincent Cignerale
Ms. Claine
Sarah Danvers / Sara Danvers
Raymond Davis
Marion Dunham
Ms. Elder
Ellie Faircloth
Jennifer Feagles
Denise Flynn
James Fox
Gail
John Gibson
Mr. Gilam / Gillum
Bert Glenn
Laura Glenn
Sidney Albert Glenn
Conrad Gray / Conrad Grey
Paul Gowl
Christy Hartman
Mr. Hartman
Miss Howard
Jane
Mrs. Jenkins
Ms. Jewel
James Johnson
Mrs. Johnson
Perry Johnson
Mrs. Jones
Jay Lamb / J Lamb
Mr. Lane
Tyler Lang
Mr. Ludwig
Kelly
Ms. Kitchens
Ms. Kitchum
Kristen / Kristin
Lindsay / Lindsey
Lisa
Marisa / Marisha
Stephanie Martin
Melissa
Monica
Chad Miller / Chat Miller
Gary Miller
Sherri Morse / Sherry Morse
Mr. Parker
Rebecca
Gary Reison / Gary Reasons
George Reasons
Jennifer Segal
Liz Segal
Tonya Sells
Scott
Eric Scott
K C Scott
Randall Scott
Richard Scott
John Sheldon / John Shelton
Ms. Silva / Silvia / Sylvia
Michelle Silver
Mr. Sitton
Liz Spiegel / Spiegle
Christine Spruill
Stacy / Stacey
Jim Stewart
Curtis Taylor / Curtis R. Taylor
Mrs. Thompson
Tony
Vivian
Mr. Wang
Mr. Weippert
Ms. Wells
Maranda Whiten / Miranda Whitten
Gina Williams
Mrs. Yelder

If you want to take positive action:
* Report them to the Virginia Attorney General:
http://www.vdacs.virginia.gov/forms-pdf/cp/oca/complaint/oca1complaint.pdf
* Call the Federal Trade Commission at +1.877.382.4357 and file a complaint

http://www.creditreportproblems.com/Consumer_Recovery_Associates.htm

Their modus operandi of junk debt buyers is all about ambushing vulnerable, unsophisticated and unsuspecting consumers over time-barred debts in which they have paid pennies on the dollars for. Anything they collect over and above this is pure profit, and they don't particulary care how they do it. The end justifies the means, and the key to stopping them in their tracks is to stay OFF the phone and disputing everything IN writing. Get yourself a file folder and keep copies of everything---right down to phone logs. I am not an attorney, but am posting the following information based on my own experience in dealing with them. If you don't feel comfortable handling them on your own, by all means consult with a reputable consumer law attorney, which can be found through your local Bar Association or through the National Association of Consumer Advocates http://www.naca.net/

As another poster has already stated, the sale and resale of time-barred debts needs to be outlawed. Period:

A firm aims to collect at least twice what it paid for the debt to cover costs," points out the Star-Tribune. "Anything beyond that is profit." Successful debt-buying firms enjoy very impressive profit margins. Portfolio Recovery Associates, a Virginia debt buyer, reported a 16 percent net margin last year; for Encore Capital Group of San Diego, last year brought a 10 percent net profit. By way of contrast, Wal-Mart's profit margin last year was 3.5 percent.

The "distressed receivables" market is immense, and bundled debts are constantly repackaged and re-sold. It's quite common for people to be contacted by multiple collection agencies demanding payment on the same long-forgotten debt, which may have been sold and repackaged several times after being written off by the original creditor.

http://freedominourtime.blogspot.com/2010/06/ ... ors-prison.html

Is it any wonder then, why CRA (and other junk debt buyers financed by the Wall Street banksters) are so ruthless and relentless in their pursuit of time-barred debts?

If CRA or another junk debt buyer calls you and demands payment on a time-barred debt, politely tell them that you do NOT discuss legal matters over the phone and hang up. Do NOT admit to owing them ANYTHING, whether you think you do or not.  STAY OFF THE PHONE!  And, don't argue with them. YOU control the caller (not the other way around).  And, if they become verbally abusive or make illegal threats of incarceration, turning you over to the IRS, threatening to send the sheriff out by XX time if you don't pay up, threatening to "ruin" your credit (and other such B.S.), report them to the Federal Trade Commission and your State's Attorney General's office or Consumer Protection Agency. Also, if they threaten physical violence, report them to your local law enforcement.

What did I just say?: Stay OFF the phone.

Again: Stay OFF the phone!!

Why? Because their goal is to get unsuspecting and unsophisticated consumers to admit ON record that they owe the alleged debt (whether they do or not), and extract a token payment which automatically reages it. Don't let this happen. STAY OFF THE PHONE!

It bears repeating: STAY OFF THE PHONE! This CANNOT be emphasized enough! These junk debt buyers depend on the ignorance of consumers to make their millions...legitimately or not. The debt collection industry has become the "Wild, Wild West", and until (or IF)  our government stops kissing the backsides of the ARM industry and Wall Street banksters who bankroll millions to lobby against any kind of meaningful debt collection reform, it is up to US to protect ourselves. We HAVE to be proactive and use what existing consumer protection laws that are on the books (as outdated as they are) to our
benefit, in order to protect ourselves. Simply complaining and relying on others to do it for us has not, does not and will NOT work anymore. There is a wealth of information on the internet about the Fair Debt Collection Practices Act. Read about it and use it to your advantage. The LACK of knowledge regarding consumer protection laws is what CRA and other debt collectors bet on, when they call someone demanding money...."or else". Don't even let them get to first base with that crapola. And, for the trolls who come in here spewing drivel about how we should "pay our bills"---get off this website and mind your OWN business. This is NOT a discussion about whether or not we should "pay our bills". This is ALL about consumer's rights under the current laws...and the collection of time-barred debts are NOT enforceable in a court of law.

The BEST way to deal with CRA and the other junk debt buyers is IN writing. If you get a phone call or letter from them, do NOT ignore it. That is the WORST thing you can do! Otherwise they will *assume* that you owe the alleged debt, sue and get a judgment against you. Then, check the statute of limitations for the enforcement of collection of debts in your State:

http://www.fair-debt-collection.com/statue-limitations.html

Then, send them this letter VIA certified mail with return receipt requested. It is IMPERATIVE that you respond immediately to their letter or phone call. If you wait longer than 30 days, you may find yourself face-to-face with a process server. Keep copies of everything, including any correspondence you may have had with the FTC, your State's AG's office or Office of Consumer Affairs:

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

VIA CERTIFIED MAIL

RE: [insert account number or name of account or name of debt]:

Dear [insert collector's name or company name],

This letter is in response to your [letter dated xx-xx-2005] (copy enclosed) or [phone call on xx-xx-2005], concerning the collection of the above referenced [account or date].

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in (insert your state or the state in which the contract was signed) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the "statute of limitations" has expired.

This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.

(Sign above name)
Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

Though this may stop them from calliing or sending you any more letters, it will not stop them from attempting to collect the alleged debt through the IRS, which they are using as their "surrogate" collectors. They are utilizing the 1099-C for this purpose, claiming it as a "forgiven" debt. Don't be surprised if you receive this form at tax time. **IF YOU RECEIVE A 1099-C ON A TIME-BARRED DEBT YOU HAVE ALREADY DISPUTED WITH CRA OR ANOTHER JDB, DISPUTE IT WITH THE IRS IMMEDIATELY!** If you don't, you will wind up possibly paying taxes on it you do NOT owe!  The IRS does, can AND will investigate your dispute of a 1099-C on a charged-off debt. Once they begin their investigation, they will send you a letter acknowledging receipt of your dispute paperwork. They will then demand documentation from the JDB to support their charge-off claim. *IF THE IRS DOES NOT RECEIVE THIS DOCUMENTATION WITHIN THE REQUIRED TIME FRAME, THE JDB DEFAULTS AND YOU WIN.*

For more on your consumer rights under the FDCPA, go to:

http://www.fair-debt-collection.com/

Recieved a call this morning, they left a message wanting to know who was going to represent me in the lawsuit.  Said it was urgent that I call back ASAP.  There's no record of the phone # except for this.

called my house first wich is unlisted then my cell asking for the same person who i have never herd of, so i called back and they said they were CRA

Got a call from them today...how can I report them should I got to my local police they have all my info. What do I need to do. Are they really scam calls? Can any one give me a website of the company because everytime I call the will not answer any questions that I ask all they keep telling me is the they are going to send me to the IRS? I am worried.....PLEASE HELP

Wanted me to verify last four digits of social. I told them I never give that out over the phone they said I had a serious problem and hung up.

same as others here. Got a call with a recording so i hung up. they call back with a person on the line and wanted me to verify my information. i would not give out my social so they hung up. SCAM

They called said I used a cash advance for over $700, which I have never used in my life, I tried to get details about the dispute but did not give me any and said it was too late to dispute it, then they hung up on me!  What a scam!

Hang up

Received call from an office which identified self as Shapiro saying they want me to pay over $12,000 to settle what had been a $750 debt in 2000...  Was told that I don't know what I am talking about, that my request for a Discover card had been declined because of this, and that I need to clear up my credit card history.  I said I have not made any request for a Discover card.  I said I would accept any reasonable proposal in writing.  The caller hung up on me.