Got about 10 - obscene , fake debt collector calls from this number. company claimed to be shadow creek, also F&S- another number they frequently use is-  560-912-0424.

Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code §§ 392.402?.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice.

Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code § 392.402. The attorney general or a district or county attorney may investigate an alleged violation of Chapter 392. If you notify the secretary of state, this office will notify the third-party debt collector or credit bureau of the bond filing requirement and, if necessary, refer the matter to the attorney general for investigation. Please report the names of any third-party debt collectors and credit bureaus that do not have bonds on file to:

Registrations Unit
Statutory Documents Section
Office of the Secretary of State
P. O. Box 13550
Austin, Texas 78711-3550
(512) 463-6906

The secretary of state is a filing officer for third-party debt collector and credit bureau bonds and does not have authority to regulate the business practices of third-party debt collectors or credit bureaus. The secretary of state cannot resolve disputes about services or investigate business practices of a third-party debt collector or credit bureau.

You may also report any problems that you have with a third-party debt collector or credit bureau to the Federal Trade Commission. The FTC is authorized to take action against a third-party debt collector or credit bureau who violates the federal Fair Debt Collection Practices Act. Complaints with the FTC may be filed online or by calling 1-877-382-4357.

I decided to contact the name of the original debtor and found out who really bought out the account. Always ask the original debtor and then hang up on them after you have their company name and don't answer private number calls again!

I have recently dealt with them. They had called my grandmother, my uncle and my father stating that their names and numbers were on legal documentations and that they were trying to reach me. I finally call the number that was left. The guy i spoke with, Mr. waldorf stated that they needed to put me on hold so he could speak to his client then came back giving me a settlement amount and said they need a credit or debit card number within 24 hours to hold my account so I would not be prosecuted. I told him he was was full of crap cause I could have called the next day and still had 24 hours. I now continue receiving calls from them with a private number and its a lady. She is very nice and I had also called the bbb and the trading center. This company is a fraudulent company and the tc said not to give them any info. I hope you all find this to be of help to you. Oh, and I guess they may be redoing some of their fraud attempts because they said a company name that I had a bad check at.

Received a phone call on 7/12/2012 and didn't tell them who I was and they said they were looking for me for breach of contract and fraudulent use of a check. Her name was Ashley Ryan with Shadow Creek and Associates. Phone number was 1-855-229-7424. They said that if I (she) since I never told them my name on the phone that if I didn't contact them within 24 hours I would be served with a summons to go to court and that I was under investigation.  They even gave me a case number and I said you mean acct number and she said yes. I looked up their number and found all these other people getting calls from them.  I fell for a scam like this before and paid them and never again.  I'm going to wait and see if they serve me. This

We received a similar call from this number. The caller left a vm that bad checks had been written and if he wasn't immediately called back, we would be served and federally prosecuted. When we called back, the story was that we had used a check cashing/payday loan type of service and had never paid it back. No company name was given of who was owed. When we requested proof of the debt in a form of a statement or bill etc. the gentleman said that the only thing he could do was give a receipt after payment using a debit or credit card had been received. After we pressed him further for the proof and questioned how we could trust that the guy on the phone was a legit collector, we were hung up on. When we called the number back again, Tim from Shadow Creek Associates answered. We requested an address for the business and were hung up on again. Total scam.

Keep being smart friends! Legitimate claims will provide proof of what is owed!

See Fair Debt Collection Practices Act (FDCPA): http://www.creditinfocenter.com/legal/FDCPA.shtml

I received a call from this number this past friday and also in February of this year. I called the number left which the voicemail said a Mr. Carr. The young man who left his name said Steve Powers on Friday and Steve Hurst back in February looking for my ex-sister-in-law same reason hot checks. I called Mr. Carr and left a message for him that she does not live here and our voicemail clearly states the our last name which is not the same as hers.  I am forward this to my legal team because I have ask them not to call here but they continue anyway. Thank you for your post because now I have more to go on my caller id only shows private caller no phone number.

My son received one of these calls from supposed ADR.  He was left a message saying he was given ample time to pay a debt.  He has never received a call from them before.  The thing that is scary is that the supposed case number was the last four digits of his social security number.  For this reason a police report was file.

This company is in violation of many laws, first off you can not call family and friends and tell them in detail what is going on, second off you can not threaten a lawsuit and not disclose who you are, and you need to MAIL a letter out within 5 days of calling a person, and you are full of it and a liar, telling me i am going to be served is a lie, telling me i wrote hot checks on an account i never had is a lie, I hope someone sues you for this you need to be shut down.

Why did you hang up on me i wasnt done playing....Please serve me please....oh wait its a lie your not going to you cant even prove its my debt so you hung up on me because i didnt fall for your tactics.

Thank you for your reply! I will report back if I learned anything else.

Yeah I talked to them, its a scam they are trying to scare you into paying them money, do not give them your information. I told them to serve me and they still havent and its been weeks, they are a third party debt collector out of New York that violates a lot of laws. They are not an ADR firm they like to think they are but they are not, your so called file they have was a purchase they made at pennies on the dollar and now are trying to profit on it, the main collector has sold your account they are no longer tied to your account there fore they can not sue you for this account. Do Not fall for their lies.

Got a call from a guy named Marshall Jones from an unknown company using an unlisted number. He told me to call ADR company at 855-229-7424 ELSE he will serve me litigation papers in 24 hours! Is this a SCAM? Has anyone called the 855-229-7424 number? I like to hear your experience. Thanks.

Going by Shadow Creek & Associates. whole deal about you have hot checks were going to serve you blah blah blah you are a third party debt collector you are not a adr firm get real dont fall for it, probably in cohoots with Santa Fe Management and all those other companies in New York trying to use scare tactics to make them pay!!!

need to top calling me harrassing