The caller was very rude and threatening. When asked to identify himself and when I informed that I had never received a call from this number, rudely stated to me, "I've left several messages and now I will file paperwork to see you in court.

Guy was a dick.  Called back and spoke to his "boss."  Wouldn't talk to me.

learn how to spell

This man was crazry, rude, yelling and threatening.  Was talking over me and wont be clear as to why he was calling. when I go quite on line and woundn't answer any of his question then started to push button on phone and then hung up..  A-HOLE

Send them a letter VIA certified mail with return receipt requested demanding that the calls stop or you will take legal action against them for harassing a non-debtor.

These people have kept calling me on an almost daily basis. They insist they have the right number but no matter how many times I tell them that I'm not her, they keep calling.  This has got to stop.

Thank you. I doubt he will call back. I told him I contacted my lawyer and the state police. They said not to worry about it that it's a scam and to tell them I know it it which I did. Dude was like shhhsh me really!  I told him what I thought of that and what he could do with it and hung up.

Their address is listed in another post. Send them a letter VIA certified mail with return receipt requested demanding they either validate the debt or stop calling. The internet has good examples of templates to use. Be sure and keep a copy for your records.

I just got a call from this a**hole telling me I got a payday loan a year ago!  I don't even work. He had mw drivers license number and old bank info. I told him to take a leap!

No problem LOL/Chris/Joeeeey...Just validate it in writing,  along with all of the pertinent information including your name,  real business phone number,  mailing as well as physical address, owner of the original debt,  date of last activity on the original debt,   validate proof of a signed contract,   and  your right to claim and collect, (Kind of like the FDCPA says)  put it in an envelope and mail it.  Most people will review it and if it is valid and meets all conditions,  may even consider paying it.   If it does not,  is not a valid debt or claim, or out of SOL,  they won't pay it.  But I would never ever consider paying a spook stranger over the telephone.....And that  "Have your lawyer contact me"   is just Bluff BS because you know that most won't do it.
As far as being sued by 3rd party debt bottom feeder,   that's no big deal.  If it's not valid or out of SOL,  just show up on court day and say  HI-Deee!    Been there Done that  SHill.....

My gosh!!!   I think I have it too...I forgot how to spell in my excitement.... Should be  "Handle your obligations"   and Probably ole chris/aka/joey........If I start shilling in the next few posts,  somebody shoot me.

............Loan Dementia !!!......................That ugly dreaded disease that all too often is striking down our beloved Shills in their Shilling prime....This disease can strike and a shill will completely forget about That loan he took out a while back,  but is always extremely grateful when a Collections Expert calls him and reminds him of it. He pays the debt with his prepaid walgreen or walmart card,  leaving no paper trails,  and blast eveyone else who refuses to hand over the cash,  as "Deadbeats"  or  the dreaded "Handly your obligations"...   Probable ole chris/aka/joey

"LOAN DEMENTIA......BEWARE,  THERE IS NO CURE"

Consumer Recovery Associates, LLC
2697 International Pkwy, Suite 4-270
Virginia Beach, VA 23452

Consumer Recovery Associates, LLC
135 Interstate Blvd. Suite 8
Greenville, SC 29615



If you?ve had a disappointing experience with one of our representatives, please let us know. To speak with a manager, please contact Kalin Scott at (757) 214-9186. We take your feedback seriously and will do everything we can to correct the situation quickly.


If you?ve had a disappointing experience with one of our representatives, please let us know. You can complete the form below or contact a customer service manager at (866) 563-7805. We take your feedback seriously and will do everything we can to correct the situation quickly.



The representative I spoke with was rude. How can I submit a complaint?
At any point, a customer may ask to speak with a manager, and it is our policy that that employee must get a manager to resolve the dispute.
You can also contact us online to submit a complaint. Rest assured we take your feedback very seriously and will work to resolve the issue quickly.

I received a call from this man. It wasnt even for me. He was calling someone that supposedly had my number before.   I have had it for almost a year. Never had a call for this woman before.  I asked him what company he was with..he told me to drop that attitude and hung up. I called him back and asked him again who he worked for.  He refused to tell me and asked me why I wanted to know. I told him to send his company a cease and desist letter to not call me again. He told me I was wasting my time that I could bet  my life savings he wouldnt call again.  I asked him how long ago the woman gave him this phone number he said it was none of my business and wanted to know why i wanted to know. I said I would find her real number and ask her not to give it out anymore.  He refused to let me speak to a supervisor..said he was one..refused to give me his boss...I told him to stop with the attitude and to stop yelling at me. He told me he was on a headset and he wasnt yelling...I am now going to find out who this is and give the information to my Commonweaths Attorneys Office.  He was rude to the wrong person.

Shill alert !!

This has nothing to do with politics--but has everything to do with violations of the FDCPA. If you have a problem with their opinion, take it up with Romney. I am sure he will more than delighted to tell you what he intends to do with the CPFB if he is elected President.

Like i said do your research or check with a lawyer. Dont listen to dumb and dumber here on this blog who are probably part of the 47% that Romney is talking about living off the state looking for a hand out.

Thank you. Apologists for the debt collection industry want to argue with fenceposts---even if the information being provided is from the FTC.

It's not his personal opinion. Read the FDCPA. Crawl back into your boiler room and try to find some victims who don't know about this site and your illegal tricks.

Just because they are "registered" with the BBB does not make them "legitimate". They pay for that priviledge. And, there is no such thing as them being "registered" with the FTC. They come under their jurisdiction, when it comes to violations of Federal consumer protection laws.

BTW--this is NOT a discussion as to whether or not we should "pay our bills"--

This is about consumers' rights when it comes to the collection of debts.

Have a nice day!

Shill I am not but good one I like that (90% of people reading these will have to google that to know what it is). Most lawyers will take your call for free and give you free advice (not all but a large percentage).  Dont take my advice its not gonna hurt my feelings. Ask a lawyer or check your state laws every state is different. And if you think for one second a third party agency wont take you to court on in stat debt you may want to "get a clue"!!!

Like I said ask any attorney dont take my advice. Everyone will have their own opinion if you dont like mine talk to a lawyer about it (its FREE). And no I dont work there just stating some real actual facts unlike the ones you have stated. Like I said most people giving advice on these sites are typical debtors with credit scores under 600 and just try and figure out ways to get out of paying bills they actually owe. So crawl back under your rock debtor and continue to hide!! Bottom line is this if you owe something (you know if you do or not) pay it thats the right thing to do. If you dont then take the proper steps to dispute. And try not to take advice from someone who doesnt pay their bills. That would be like me being an electrician on a blog trying to give you advice on your plumbing problem.

Jean H,

The call you received is typical of those made increasingly often by scammers and con artists who try to frighten/intimidate people into paying debts they do not owe.

No one with any knowledge of law would make the nonsensical claim that they were going to "take out papers" for possessing stolen property. Even if you were in possession of stolen property only your local District Attorney could take any action: it would involve terms like "indictment" or "warrant"... and no one would call you in advance to tell you about it!

Making threats like this is indeed illegal and if you receive any more calls you should report them to the police. I would suggest recording future phone calls from this number if possible and telling the caller immediately that you ARE recording.

The alleged debtor NEVER needs to prove the debt was paid. The collector needs to prove it's owed and that the collector owns the debt. Sounds like you're deliberatrely trying to mislead people.

So you've been "following" this company for 3 months huh? More like working there for 3 months. Does the boss slip you a bonus for lying on 800 notes?

For someone who claims to "deal with a lot of collection companies and their tactics", you obviously don't know much about the tactics of systematic FDCPA violators (which covers well over half of the agencies operating today, licensed or otherwise).

Telling victims they need a lawyer is an intimidation tactic. The CA knows most of their victims won't get a lawyer, thinking they can't afford one, not knowing how to hire one, etc. CA count on this. The seed has now been planted that the situation is (allegedly) of sufficient seriousness that legal representation would be required, which puts the victime at a disadvantage in the negotiation (extortion, more often than not) with the CA. And the victim has been fooled into thinking that the CA must be legit since they're willing to deal with a lawyer (even though the victim is highly unlikely to hire such representation).

And for the 1 or 2 out of 100 that will get a lawyer, well who cares, the real money has already been made with the rest.

Are you truly ignorant of how this works, or are you a shill?

I've checked this company out Consumer Recovery Associates LLC based in Virginia Beach VA, they are registered with the FTC and BBB. They are a licensed collection agency in 48 of the 50 states. While you have some valid points '"Alfalfa" I would have to question you on one thing why would they tell a consumer to have an attorney call? If a company is calling on "fake debt" or "ghost debt" as they call it they are not gonna tell you to have your lawyer call. Easiest thing to do to check out a collection agency is call the FTC to make sure they are licensed as a collection company. Don't get me wrong I'm not defending them (CRA) at all but while you do have some good points you also sound like the typical person who just looks up ways to beat a debt collector online instead of actually doing the right thing and paying your bills. If it wasnt for collection agencies this country would be in way worse shape then it is now. There are companies out there that do it the wrong way but there are ones out there that do it the right way. Just keep in mind instead of trying to get out of something try and figure a way to resolve it. Unless you actually dont owe (which is possible) then take the proper steps to dispute it.

I deal with a lot of collection companies and their tactics. I've been following this company for about 3 months now. I do have one question for you though, did you offer to provide proof of it being settled? Most people say things were taken care of but they may not have been as long as you have proof you should be fine, send them proof see what they say. When you say stolen property you must be talking of like a rent to own place right? Thats the only thing i can think that would fall under. You also may want to check your state laws on those too, a lot of them can be taken to court as theft or i believe they use the term "failure to return rented/leased merchandise". I would talk to a lawyer and see what they say some states it classified as a felony some as a misdemeanor.

Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.

Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.>

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm

Received a call from a man who identified himself as Daniel Wade.  He told me to have my husband or his attorney call him today or he was going to take out papers for possessing stolen property.  The matter that he was talking about was settled long ago and it did not concern stolen property.  I do not take it lightly when I am threatened by someone who has nothing to do with my business nor does he know what he is talking about.  Must be some kind of law about threatening and harassment on the phone.

I got a call also from this phone number. It was a rude guy yelling and threatening. He was talking about a loan that I supposedly did last year but is not true.