Don't give them anything. I paid them the remainder if what I owed on a payday loan, and then some extra for fees. Two months later they came after me again saying I owed more money-- $10,000 --or they were filing a lawsuit. They had my account info from the payment I made earlier and they set up two other payments that were never authorized by me. Luckily I saw the transactions pending and called my bank. I wish I had known better in the beginning- they are extortionists and will go after you even if you DO pay.

 Same old crap everyone else has been posting about these scammers.  GIVE THEM NOTHING.  I work at a bank and have taken at least 5 or 6 of the automated calls from them.  If your phone service can block the number, do it, otherwise, just hang up and enjoy your day.

Calling my work place, reporting  to att. general,

They are not contracted by them.They are contracted with NCA which sells it to Credx which is where all nightmares begin. This company is very rude and a real pain in the a**

I'm getting calls and so is my father from this number and I want it to stop!!!

They can not touch disability or SSI.

Suggest you contact a attorney and file bankruptcy..

I know bro  this isn't my first judgment im on disability times are tough

http://www.consumerfinance.gov/askcfpb/1609/c ... h-my-wages.html

They have to take you to court first, get a judgment against you and only THEN can they garnish your wages.  Nice try, though.

these [removed:lang] mean business! I had been getting calls from them for a few months about my cashnet payday loan I defaulted on  they sent me letters to my house and  the email they had about the debt but I just couldn't pay I  thought or hoped it would go away but now they're having the courts order to have my paycheck garnished!

heres the law cdr can go suck eggs.
§ 804.  Acquisition of location information  [15 USC 1692b]
Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall --

(1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer;

(2) not state that such consumer owes any debt;

(3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;

(4) not communicate by post card;

(5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and

(6) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector.

§ 805.  Communication in connection with debt collection   [15 USC 1692c]
(a) COMMUNICATION WITH THE CONSUMER GENERALLY.  Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt --

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location;

(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or

(3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication.

(b) COMMUNICATION WITH THIRD PARTIES.  Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

(c) CEASING COMMUNICATION.  If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except --

(1) to advise the consumer that the debt collector's further efforts are being terminated;

(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or

(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

(d) For the purpose of this section, the term "consumer" includes the consumer's spouse, parent (if the consumer is a minor), guardian, executor, or administrator.

§ 806.  Harassment or abuse  [15 USC 1692d]
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.

(4) The advertisement for sale of any debt to coerce payment of the debt.

(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller's identity.

§ 807.  False or misleading representations  [15 USC 1692e]
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this title.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.

§ 808.  Unfair practices [15 USC 1692f]
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

(2) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.

(3) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

(4) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

(5) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

(6) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if --

(A) there is no present right to possession of the property claimed as collateral through an enforceable security interest;

(B) there is no present intention to take possession of the property; or

(C) the property is exempt by law from such dispossession or disablement.

(7) Communicating with a consumer regarding a debt by post card.

(8) Using any language or symbol, other than the debt collector's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

§ 809.  Validation of debts   [15 USC 1692g]
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

This organization also appears as the defendant in a number of FDCPA cases in Federal Court, including

http://dockets.justia.com/docket/michigan/miedce/1:2013cv11785/280204
http://dockets.justia.com/docket/colorado/codce/1:2011cv03247/130047
http://dockets.justia.com/docket/texas/txndce/4:2011cv00240/204987
http://dockets.justia.com/docket/colorado/codce/1:2011cv00905/125303
http://dockets.justia.com/docket/minnesota/mndce/0:2010cv04299/116774
http://dockets.justia.com/docket/missouri/mowdce/4:2010cv00801/95913
http://dockets.justia.com/docket/texas/txwdce/6:2010cv00342/459553
http://dockets.justia.com/docket/minnesota/mndce/0:2010cv03276/115177
http://dockets.justia.com/docket/new-york/nywdce/1:2006cv00845/62727

maybe they should follow ur advise CDR has over 21,000.00 in judgements  against them from courts all over the US. They have yet to pay any of them. Maybe when you go backto work for them you should tell them to pay up.

These butt munches called friday trying to grt info on my mom. Said she had passed bad checks and took out a loan fraudulently. After a quick google search I called them back and used colorful language with them. Then I filed a complaint with the state attorney general.

This company keeps calling me for a Patrick who is not related to me and is using this number.  I have told them many times and they still keep calling.  

when they call you, is the voice robotic or is it a real voice. and did you guys ever hear something along "we feel as if you are avoiding us" or "we have your banking information and will make a decision if you do not" or "you have 48 hours to respond"?

i tried blocking them but they just keep coming through, it's getting irritating and scary and can someone help me on what to do?

the voice that talks is robotic to me, is it robotic for any of you?

Very rude and intimidating

stop calling my number I have nothing to do with it!!!!! 715-828-3075

This CDR company is driving me crazy with harassing me daily and 24/7. I do not know why if there is any financial dispute, they do not send anything by mail.

I started getting calls today for my brother who lives in Delaware and I live in Ohio and have no contact with him.  When I called them back to inform them of this they froze my phone up so I couldn't call out or receive calls.  When I finally got through to them the first time I was informed that they in fact taked on my number and that everything was verified and when I tried to tell them there was no way that he lives 800 miles away from me and therefore could not talked to him at all.  They hung up on me.  The second time I again tried to explain that they could not talked about anthing with him on my number because he did not have this number where I was told I didn't what I was talking about because he haad this number for 20 years for all I know and before I could explain who I was and just how I do know what I do they hung up on again.  I then tried a third time and when they answered this time I very loudly told them who I was and how I know my brother and where I live and where he lives.  It was then when the person very nicely asked how to get a hold of him which I told them I didn't know but did give them his home address.  At which time they stated they would take my number off the list.  I told them they better because the next call I make will be to the local police department for harrassing me.

Please have them to stop calling me. They are calling with wrong information. And won't answer my specific questions. They just want me to answer theirs? When did I do this? Where did i do this? They should know this info. My point! But info? I don't think so. Don't know how they got my social, but its sorrowful how info can be transmitted through the internet.

this company has been calling me a lot too. i'm sure i have no debt and they call me daily. what should i do? the voice talking to me is recorded, and switch from woman to man regularly. how did they get my number?

the person who is in charge of credex debt recovery ,s name is james sauer lives in north tonawanda ny is one of the biggest pieces of s*** that ever lived he screws the people that work for him & debtors dont trust anything this guy or his co tells u he is  complete scumbag that norts coke 24 hrs a day

got a call from cdr associates for someone else they left a msg on my voice mail.strange thing tho' it was for someone who lives in the USA while I live in Canada..

Caller's name was Joshua.  He called and embarrassed my family members then called me to attempt to collect money for a debt that he refused to validate.  He knew nothing about the Fair Debt Collection Practices Act even though he claimed he studied it for over 25 years and sounded like he was barely in his 20's.  I called him on the debt validation; I called him on the fact that he spoke a third parties and disclosed information he was not supposed to disclose; which he would have KNOWN if he was a valid debt collector who followed the law.  He also threatened me and harassed me by asking personal questions and tried to get me to admit "fraud" on the phone.  The call was taped according to him, so I hope whoever monitors this lying b*****d hears his illegal collection practices.  I doubt this is a legitimate company and I have reported them to other agencies.

They are a collection company that buys debt from payday loan company. They give the impression they are able to have you arrested for fraud, deception ect. they are scammers trying to scaring you into paying. The latest name is MR. BARTECK. the only way you can be arrested is if you fail to follow a judges orders. As far as I know they have never taken anyone to court. There is over 3000 complaints of fraud, deception, against them. Ignore them they will eventuly move on to someone else. they are frauds.

These guys keep calling me for a debt my exwife did.  I have been divorsed for 10 years and have nothinig to do with her.  The last message said they had my bank information and were going to take actions.  These mother f****rs better stop calling me!

these people from CDR called our business line, stating that they were calling regarding my claim. I do credit and collections for our company, I do not work with these people so I checked on line and found these reports of calls from this number; 855-546-7300. I will not return their call.

We are currently investing debt collectors that harass people.  Give us a call:  951 293 4187.

I have received several calls from this company on work number when they have to leave msg sounds very threatening and if I happen to answer it is just a recording?? not coll at allllllll I have no idea of who this is and why they would be calling me, we all owe debt but I am working them out and if this is a real company their practices are way out of line since I work in collections and know this is not how it is done!! since you are not able to talk to someone when they call you kind of hard to tell them to stop calling you at work for them to have to obey that order

Simply google whois. This will give you info on who owns a website. For credxdebtrecovery.com it is
Registered through: eNom, Inc. Domain name: credxdebtrecovery.com

Registrant Contact: TCNS Tim Tucholka ()

Fax: PO Box 145 Niagara Square Station Buffalo, NY 14201 US

Administrative Contact: TCNS Tim Tucholka (service@tucholka.biz) 1.716-638-0006 Fax: 1. PO Box 145 Niagara Square Station Buffalo, NY 14201 US

Technical Contact: TCNS Tim Tucholka (service@tucholka.biz) 1.716-638-0006 Fax: 1. PO Box 145 Niagara Square Station Buffalo, NY 14201 US

Status: Locked

Name Servers: ns1.tucholka.net ns2.tucholka.net

Creation date: 26 Mar 2009 15:44:25 Expiration date: 26 Mar 2014 15:44:00