2011-06-06 21:04:05
Received a call on the answering machine from a "Miss Adair," stating in a threatening tone of voice, I (or my legal representative) had better call back immediately, or she would file some legal papers. The call back number was: 1-877-238-5751.  I didn't call it back.
Sherry Thompson
Sherry Thompson
2011-06-06 21:04:05
A call from this number was made to my boyfriend's cell phone, more than once.  The last message they left was from a woman, "Casey".  She said she was calling for me, from CR Associates.  She said if me or my attorney did not call back today, that she will have to "proceed with this against me."  She was referring to a previous call from the same firm, saying that they would file a 1099-C to the IRS so they can put a lien on my tax refund. (I also want to add that they called my boyfriend a total of 3 times.  The second time, they threatened to file a 1099-C with the IRS, to put a lien on my tax refund, if I didn't call back the next day.  Due to the fact that they called him a third time, they obviously did not file the form.

Today, I called this number back (877-238-5751) and used the fake name "Sherry Thompson".  "Richard" answered without stating a company.  I asked what firm he was from.  He avoided the question and asked for my phone number.  I gave him a fake number.  I could tell he was trying to look up my account or something (he was typing).  He then said "CRA" and asked for my number again.  I gave him the same fake number.  he said- "You're number is in NC and your calling from Virginia? (I was at a Pennsylvania phone booth at the time- so I don't know where he got Virginia.)  He also asked for my social security number.  I did not give it to him.  I then asked what CRA stood for.  He didn't answer the question, then said, "Try some different bait." and hung up on me.
2009-09-09 13:23:56
Debt Collector
Another call on my cell phone. This time it was Lisa Campbell. All she would say was it imperative that I return the phone call. It's the same company and as usual they refuse to say what it's about except that it's so damn important that I call back. The number called from was 757-271-9342. The number left for a return call is 877-243-5123.
2009-08-28 21:57:07
Got a call from Mr. Babcock for Mark Dunahey(sp). No such person here by this name and we've had this phone number for more than 10 years.  Supposedly his paperwork was put on hold until he could straighten out some discrepencies.  I was trying to call back to tell them that the person didn't live here.  I used the number provided (877-238-5751 ext 48602).  I was told I was currently caller number 15 waiting on a representative, "thank you for your patience".  This continued until I was caller 4 and then suddenly I was number 16 in the queue.  It dropped back down slowly to number 2 in the queue and then I was back up to 15.  It went back down to 4 and then up again to 13 in the queue so I hung up.  

For a company that really needs to talk to someone they should actually pick up the phone when someone calls.
2009-08-27 20:07:55
I received a call and a message was left by the same name "Mr. Babcock" and was asked to return his call and he had received my package and to call him at 877-238-5751 at some extension regarding this matter.  I felt it was suspicious as a couple of years ago I got contacted by a scammer then and I was approached the same way.  I called back and a woman answered and refused to identify who she was who whom she was working for  and who CRA was, I hung up and will report it to the attorney generals office if they try and pursue anything.  I did this with the other scammer and they caught up with that comapny and they were told not to make anymore contact.
2009-08-26 14:22:27
call said her jaw dropped when she opened my "file" and that i had to call her back or have my lawyer call her (natalie) to keep this from going any farther
2009-08-26 02:05:09
Debt Collector
Called the person who owns our place we are living.  We do not rent.  We live here and take care of the place.  Lied and said they were calling related to my husbands work.  Which was a lie.  I am SO MAD!!!
2009-08-25 21:23:35
Experienced rude phone message in an accusatory tone on my spouses phone. Then they called my spouse's ex spouse for them to give their ex a message for me to call them. I do owe creditors but as a rule I make arrangements with them and keep to them. I am glad that I googled this 877 number and see that I am not alone in this. Is there a way that we can get a class action suit against CRA?
2009-08-24 15:55:32
Debt Collector
A woman called and left a message stating that this was a serious criminal matter and we should call back immediately.  Called the company back from another line and they wanted information but would not anwere any questions about their company other than the name CRA.  When we did not provide them with info the "customer service" rep. was very rude and threatening
Ms PTSmith
Ms PTSmith
2009-08-22 18:09:15
Female called, left message for Hosea to call her.  "This is important"...call back 877-238-5751 and ask for Ms. Sawyer.  This is about the milionth time they have called for him, but first time with this message.  Suspect same company has called asking for Stephanie W. but different message for her.  Annoying and disruptive calls.
2009-08-21 20:28:24
anyone that makes calls like that in an attempt to collect is violating many FDCPA laws.  They are using illegal scare tactics and threats.  

They want you to react - and hope YOU DO NOT KNOW THAT WHAT THEY ARE DOING IS ILLEGAL!

ALfalfa posted the FACTS about this "debt collector"  on Aug 20th -

Federal Trade Commission
Your State Attorny General
VA State Attorney General

Consumer Recovery Associates
aka Consumer Credit Association
aka CR & Associates
and the world's most grating phone numbers:

877-360-1616   800-913-4915

2697 International Parkway # 4   Suite 270
Virginia Beach, Virginia  23452
PO BOX 2916, VB, VA 23450

Head Debt Collectors:
Christine Spruill       Mr. Parker          Mr. K C Scott

Peter Brunson           Conrad Grey       Jane



Bud Says                         Consumer Comments Below

1-866-857-3916 is one of those irritating numbers that show up on your caller ID that can never seem to be identified.   When you return the call, you get the ominous "Can I help you?" or "Case number please."  They refuse to identify who they are when questioned, will not state they are debt collectors, and by tone imply you have committed some illegal act and are in great trouble or they would not have called you.  It is a violation of FDCPA.  It took quite a bit of research and cunning to discover whom the voices were behind the lawbreaking 866 number were...but it's coming together now and they are without excuse.

Give us your stories on CRA and let's put together some useful information to bring these folks down.  Record their calls where legal and save the tapes for future use.  We'll post 'em here if you have something of interest.

In the meantime, hold them to the law; make them put everything in writing, validate the debt.  Use the cease-communication letter.  Violations of the law should be pointed out to the Virginia Attorney General.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.

FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY

Dealing with debt collectors

Statute of limitations by state ? always double check directly with your own State Government Website

Recording calls from debt collectors ? always double check with your own State Government website


The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren?t; or
indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:

you will be arrested if you don?t pay your debt;
they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn?t; or
use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans? Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members? Pay
Military Annuities and Survivors? Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen?s and Harbor Workers? Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
2009-08-21 20:12:09
Debt Collector
Joseph Coleman called my cell again, but from a different number this time...843-278-0375. He didn't saying anything about the paperwork pending in Rockingham County as he did yesterday. This time he just said that he was from CR Associates Mediation Firm and they had an urgent matter to settle with me. He wants me to call his assistant (no name) ASAP at 877-238-5751 because it's such an urgent matter, but being Friday afternoon he was leaving the office.
As usual I do not answer these calls or return them. We do not have caller ID at home, but I called the kids and MIL and told them to just tell him not to call and to put anything he had to say in writing.
2009-08-21 02:23:10
I called several of the phone numbers listed on here and this is the message I got:  The # you have dialed is not in service, please check # and try again.  

I did get a voice message at one of the numbers of a Joseph Coleman.
2009-08-21 02:15:03
Debt Collector
had a message from a Armand Trout and it was very importatnt matter that was forwarded to her office and it was imperative that she be reach immediately today.  When I called the gentleman was rude and asked for file #.  I told him I wasn't giving him anything until I knew who CSR was and he told me he wasn't going to give me any of that information and hung up on me.  I called back and asked his name and he wouldn't give it to me.  I called back again and this time a different man and I asked his name because I was going to turn them in and he said I don't want to be turned in so why would I give you my name.  I do plan on sending this info to the phone company, better business bureau, attorney general, texas no call and anyone else that I can think of.  After my sister called they asked her if the last 4 digits of her ss# were something and she said no and they said it wasn't the same person and they would take the number off their list.  I am beginning to wonder if this is not a way to obtain information like identity theft.  If you get calls from this number please contact as many agencies as you can regarding this phone number.
2009-08-21 02:12:02
Debt Collector
I had a message from a Armand Trout and it was very importatnt matter that was forwarded to her office and it was imperative that she be reach immediately today.  When I called the gentleman was rude and asked for file #.  I told him I wasn't giving him anything until I knew who CSR was and he told me he wasn't going to give me any of that information and hung up on me.  I called back and asked his name and he wouldn't give it to me.  I called back again and this time a different man and I asked his name because I was going to turn them in and he said I don't want to be turned in so why would I give you my name.  I do plan on sending this info to the phone company, better business bureau, attorney general, texas no call and anyone else that I can think of.  After my sister called they asked her if the last 4 digits of her ss# were something and she said no and they said it wasn't the same person and they would take the number off their list.  I am beginning to wonder if this is not a way to obtain information like identity theft.  If you get calls from this number please contact as many agencies as you can regarding this phone number.
2009-08-20 22:12:08
Mr. Babcock called me. He yelled into my answering machine and stated that this was a VERY serious matter and that I or my legal rep needed to call him TODAY! I used another phone and called him back. No Mr. Babcock avilable, huh. They wanted my name and real phone number. I did not give it. I said "who are you", and "what type of business is this" neither question was answered to my satisfaction. He hung up on me!!! I am contacting the BBB. This is horrible.
2009-08-20 18:58:40
They called me last year with all kinds of threats of law suits and such. I never did find out why they were calling. I thought I was all done with them, but somehow they got my cell number and my mother-in-laws number. It's a Joseph Coleman or Kullman. They called from 864-335-8282 and 215--325-1354. He's threatened my 16 and 12 year old sons and my mother-in-law with law suits and such if they don't make me call him back. The number left to call back on was for CR Associates at 877-238-5751.
In this last call he states there's some type of mix up with paperwork in Rockingham County (NH). I have nothing pending in Rockingham County.
I've told everyone to tell them not to call again and to tell them put everything in writing if they want to talk to me. I also told them not to give out the mailing address. Obviously if they got my mother-in-laws phone number they have my mailing address.
2009-08-20 15:12:59
Debt Collector
Consumer Recovery Associates


2697 International Parkway # 4
Suite 270
Virginia Beach, Virginia 23452
PO BOX 2916, VB, VA 23450

Head Debt Collectors:
Christine Spruill Mr. Parker Mr. K C Scott
Peter Brunson Conrad Grey

They are reportedly a serial violator of the Fair Debt Collection Practices Act (FDCPA). They may be illegally using credit information obtained from Experian or other credit reporting agencies.

This company has been known to contact and harass people they believe may know the person they are trying to reach including distant relatives, ex-spouses and possible former co-workers.

NEVER answer these calls if you see this as a caller ID. NEVER return these calls. NEVER give them ANY information about the person they are seeking or refer them to others.

Any ?positive? comments you read in these notes about the company may have been written by employees of the company.

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:

Individual names that CRA reportedly uses:

Donald Adair
Mark Adair
Chris Adams / Christopher Adams
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
John Gibson
Mr. Gilam / Gillum
Bert Glenn
Laura Glenn
Sidney Albert Glenn
Conrad Gray / Conrad Grey
Paul Gowl
Christy Hartman
Mr. Hartman
Miss Howard
Mrs. Jenkins
Ms. Jewel
James Johnson
Mrs. Johnson
Perry Johnson
Mrs. Jones
Jay Lamb / J Lamb
Mr. Lane
Tyler Lang
Mr. Ludwig
Ms. Kitchens
Ms. Kitchum
Kristen / Kristin
Lindsay / Lindsey
Marisa / Marisha
Stephanie Martin
Chad Miller / Chat Miller
Gary Miller
Sherri Morse / Sherry Morse
Mr. Parker
Gary Reison / Gary Reasons
George Reasons
Jennifer Segal
Liz Segal
Tonya Sells
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
Mr. Wang
Mr. Weippert
Ms. Wells
Maranda Whiten / Miranda Whitten
Gina Williams
Mrs. Yelder

Kim C.
Kim C.
2009-08-20 14:52:57
A Mr.Babcock left me the same message stating that I or my representation needs to contact them immediately to give my statement. I called back..surprisingly "Mr.Babcock" was unavailable. I spoke with another man who was very rude, stating that the IRS would come after me and take my possesions from me if I did not pay him $4,000 for a "credit bill" from 2000. I do not have credit anything. I pay cash for everything. I told him send whomever he wants, I am not paying him for something I had nothing to do with. I lso told him tha if the IRS wanted me, they would come get me themselves, they wouldnt send a nobody to do their business.
2009-08-19 20:30:46
They called me as well!! Saying I owe lots of money and am going to get into trouble
2009-08-19 19:00:59
I received a call from this number looking for Henry C. Williams.  In informed the caller that there was no such person living at this address or at this phone number. Even though I do know Henry, he has never lived with me at this address.  The representative was spoke inapporpriately to me.  He stated that his name was Mr. Adair and the call back number was 877-238-5757.
2009-08-19 03:26:44
Debt Collector
Looking for Tracy Smith
1-888-260-2222 1-323-526-0023 1-360-529-6177
Call Type:
Your name:
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