Well, I guess I may get arrested!

Good afternoon! Well my husband just rec'vd another call from "CCA" this morning with a threat to service him papers to appear in court and that they are representing "Sandoval County" in New Mexico. This is the 2nd day they have called my husband with this threat, so being the wife I am, I went straight to our local "Sandoval County" police dept and filed a police report. Just as i was leaving I thought I'd give "CCA" a call to see if they would talk to me. So here's what happened. I called one of the numbers that they have been leaving on my husbands voicemail. A guy by the name of "Elijah" picked up and didn't even introduce himself with the "CCA" company. I proceeded to ask him what company he was with and he verified that for me, and I ask him about the case# he left for my husband which is #022869, he then looked up that case # and ask me if my husband was "Daniel Cross", i told him "NO!" that is not my husband. He tried to ask me for my husbands name and i refused to give it to him. He then ask me what number they have been calling.....so I gave him my husbands #.....with no surprise they couldn't find it in their system.....lol!...figures right?!. So  I asked him for their company address and this is what "Elijah" gave me...PO BOX 1335 in NY. He then asked me to hold on and transferred me to his "BOSS", but by this time I was back in the police dept. The officer saw how upset I was with these people that he took the phone from me and started to talk with "Peter Edward" CCA's boss...loooooong story short the BOSS of CCA "Peter Edwards" finally pulled his head out of his a** and told me with every witness listening while I had him on speaker in the police station, that they had the wrong person and that he apologized to me, my husband and the police officer and that they would remove the numbers from their system and that he was emailing the dept that makes all the out going calls as he was speaking to me......wheew! And all of this becuz of these "Jack***es"...... Beware people, don't let them scare you!. File a complaint with your local police dept, State Attorney General office with your state and with the "FTC" Federal Trades Commissions office.  The phone numbers they used to contact my husband are 855-894-4439 also 855-809-6123

Why am I going to pay someone that lies and is illegally trying to collect on a debt. Who even said they are contacting me, i have been for a friend and they told me everything, I work in a law office and I know the laws so I thought Id take it upon myself and tell people what they are getting into when dealing with this scum. They can not tell you they are going to serve you, they do not have bonds or licenses to collect on a debt, they will not send you a letter within five days as the law says. They will not verify the debt either. There are many red flags here. They do not even have a website and have numberous numbers to call because they keep changing them because they know they are illegal. Please use common sense when dealing with people over the phone and do not give your information out to anyone especially when it has to do with your bank account. Get everything in writing and tell them you will not proceed without anything in writing and verification of this debt which has to include the bond number and licenses for each state they are collecting in. And record all conversations it will only hurt them in the end.

She can not serve you or family without a bond, she is lying to you, she is located in NY and is a third party debt collector with no ties to any legal firm or locating service. It is all a lie and what they are doing is illegal, they can not threaten your family or friends let alone give them your information. Do not fall for this....tell them to serve you and you have nothing left to say...they will not come and serve you

maybe you should call and find out.........

Just received another call from Amber Baker 1-855-894-4441 tring to reach a family member to serve them papers.  She would not tell give me any information.  I hung up the phone.

This person called my mother-in-law.  She is 75 years old.  They were threatening that if I did not call another number that I would be in trouble...ARE YOU KIDDING ME.  I have never put my mother-in-laws number on anything.  How would they get ahold of her?

They are illegally trying to scare you into paying a debt they are not a law firm there is no legal documents there are just a holes on the end of a line trying to get money out of you. I have told them many times come on and nothing they kept calling til i told them they are on a recorded line and asked for their license or bond number they had neither and they acted like the line was a bad connection. They are full of it. Do not believe the post on here that say they had the best experience of their lives....sounds like an infomercial to me

I had a message on my machine to call Amber Baker.  She called from 855-894-4441.  She left a six digit claim number.  She wanted to make arrangements to meet about the legal  documents.  She stated that since I did not answer, ,she was going to be actively looking for me.  I would be served at home or work.She said  I had been  officially notified.

I just got a call from this same number they said they are from santa fe management and woman on the phone didn't leave her name just that I have been served over the phone and I know that in california you got to be served in person by law. This does sound like a scam and no payday loan will call or send a case to a management lawyers office. In fact they just charge it off and try to get their money back later on. I  have never had any payday loan send my loans to any other collection agency or attorney office. Don't fall for this scam. Its all just scare tactics to see if they can get money from you.

I got a call from this number and so did my parents. They had all my info and said I had to pay $600 for a loan I took out 8 months ago? The guys name was Jack.  What should I do?

Please read the laws of debt collection and understand it is against the law for a third party debt collector to call you and tell you that you will be arrested. They can be sued for this. They can not threaten a law suit either that too is against the law. They will not show up at your place of work. They are in NY they do not have bonds or license to even collect on a debt. Report them to the FTC and your state attorneys General

There are no legal documents its a scare tactic to get you to pay them over the phone and them wiping out your account. They purchased your debt that is the only documents they have. They are not legal, the are no lawyers, there is no locating service, just a warehouse full of con artist and a phone line trying to get you to pay a debt they purchased at pennies on the dollar. DO NOT GIVE THEM A DIME get every thing in mail and request a debt of verification letter.

They did not come to your place of employment to serve you, they can not even legally sue you for this debt they are not bonded. Why are you trying to use your scare tactics here to scare people into your lies and scams. GOOD LUCK with that. This company bought your debt at pennies on the dollar which means the debt is no longer associated with the original person which means they are not suing you, they were paid. This is a third debt bill collector and that is all. They are illegally trying to get you to pay a debt, there is no legal documents, there is no one out there going to serve you. They are out of New York and that is all. They are full of it and I would request everything in the mail and nothing over the phone and report these fools to the ftc and your attorney general office. Please do not buy into this scam. They can be the ones sued not you for violation of debt collection practices.

Hay I know!   Why not get a walmart prepaid debit card!   Is that the answer that you are fishing for?
Is this to encourage an endorsement for others reading this board to do the same?  And the toads that you are giving the money to won't have to worry about a paper trail or addresses or validation or anything else. Just take the money and go on to the next victim.   Also,  I don't know of any Money Orders that require a social security number.. If it does,  then you are buying it from the wrong people.    BTW,  my wife is a HS Teacher.
If stranger attempted to enter the school without  Security and Superintendant  authorization,  he/she would be thrown out on their a***s and the police called.

Jenny,  I have read about a disease called......"Loan Dementia"  Is this the disease you have been stricken with?  A horrible disease where you take out a loan,  then forget you took it out until a collector calls you.  And then you become so grateful for these wonderful people helping you that you go to the nearest Posting Board to shout out your happiness.....This disease is quite common amoung many of our prominent board
SHILLS.   But from another point of view,  I am happy that they found a way for you to pay with a prepaid debit card......with the benefit of no paper trail.    (Psssst....was the debt still in SOL?  just curious)
bye bye now.....ya heah..

I have been out sick to return to a rude woman name Angela Barron threatening to come on my job in from of my students  and have me served or even arrested. I called the number she gave - 855-894-4441 and they wanted my last 4 of my SSN and I said no and the man that answered hung up. I want to pay it back but not with my checking or saving account, they are not in good standing at this time. I want to send a money order but can't get any where without giving them my last 4. What should I do?

luckily i wasnt at work, better come to my home next time... why would you go to my work before even trying me at home, i have been there 25 years! my boss wrote me up when they came there-what now?

what is adr? they never said that to me

you wouldnt know because you didnt pay it dumbass

Just got called from the same number, her name is Kelly Brown, didn't know what legal documents she had for my son but if he didn't call she would be out to serve him. I told her I looked up the number the last time they called and that number is a scam. Again she stated she didn't know what it was about but she would be out to serve him with "legal documents".

They will email you a payment plan, they will not mail you verification of debt or even a letter as the law says five days after contact. By paying them your account with ace does not go away it is still there. If yall got a receipt its because you fell for their lies and you can call ACE and they will tell you that you can not get a loan with them because you defaulted on theirs. These two places are not tied together in anyway. Your file was sold they bought it and now are trying to profit off of it. They are liars what they are telling you is all lies.

For starters you apparently work for them. Ace sold this account to these scam artist, they are no longer associated with them, there fore they would not accept payment from you. This company is illegally trying to collect on a debt that is the problem here. It is one thing to call people and tell them they owe a debt but to lie and threaten is another thing. They need to research laws on debt collection. They dont even claim to be a third party debt collector they claim they are an ADR company...why would I want to give over my information to a company that lies to begin with on all accounts. There is no way I would trust these fools and they need to be stopped, they are an illegal collection agency and they have no right to even collect in the state of TEXAS...

I saw all these complaints before I called to see what it was about And was scared to give them my info but i'll tell you one thing..Im not scared of this debt, i forgot to pay this stupid loan and whether they are 3rd party or not I DO OWE THIS and i even took their receipt up to ace and they said i was able to work with them again-not that i wanted to, but i wanted to see how legit this was. I didnt want to give them my debit information so they told me i can use those prepaid cards or whatever. It made me feel better. Funny thing is, I had a lot more on the card then the payment, and they only took what I owe. I dont understand what all these complaints are. If you owe a loan and you dont want to pay it, then dont, but they were professional with me. So now that i put that to the test.. that is my feedback :) thanks for listening

I GOT A RECEIPT AFTER I PAID, WHO SENT IT TO ME?

*they do not have one!!!!!!

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.

These people are a third party debt collector illegally trying to reslove a debt they purchased. Be smart people do not give info over the phone. Do not let these people scare you into giving them this. Get everything in writing. Its that simple. All the ones on here saying they were served are lying research this company and their sister companies...its a scam

get real they are not even license to take people to court get a surety bond people....all of you are lying and work for them do not fall for this crap these people are dishing out. Instead of lying on here go research the laws of debt collection

ace sold your account to these people they dont even mail receipts get real....

lucky for you then i only owed them like 2500. idk why they gave me papers and not you??