These Idiots called about a brother of mine and even when I told them he does not live here or has anything to do with this phone number they insisted and threatened to keep calling.

called my girlfriend's cell asking for me. They would not give her any information. They wanted information from me "so they could send me something." they referenced a case number which worried my girlfriend. I have tried to call back many times to get to the bottom of this and never get a hold of anyone.

Those do***ebags called my ex boyfriend and told me to call them asap from CRA. The lady Tracy was very rude to my ex bf and did not explain what their company stood for. I think it's bogus.

Recieved a call today from a Mr. Gibson said I need to call him asap it is urgent in regards to a woman my husband dated 14 years ago prior marrying me...They used our last name as hers...and said we were listed as a contact for her...funny, because our number has never been associated with her. Called the number back to clarify why we would be getting a call for her and only got a recording saying was next in line for call to be answered then it went to a recording saying to leave a message and they will call us back...Funny because caller ID showed a vonage holdings phone number.....uhm.....anyways...said the company was CRA.

Called and left a message for my son who has a different last name (still trying to figure out where they got their info and how they knew to call me).  A John Gibson left a message saying that my son needed to call 877-243-5123 asap today. Left a file number and said "now (name) it's important you call me today, very urgent!!"  Who are these people?

KNOWN FDCPA VIOLATOR AND JUNK DEBT BUYER USING ILLEGAL TACTICS TO COLLECT MONEY THEY LEGALLY CANNOT COLLECT.  They called you because your BIL, has not fallen for their crap..

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

866-857-3916
866-499-6608
888-253-9713
866-563-9556
888-413-8823
877-360-1616   800-913-4915
757-368-3622
757-368-8004
757-368-8331
757-271-8788
866-418-3360


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.

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
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.
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.
        February

Someone named John Gibson from "CRA" called me, asking me to get a message to my brother in law (who lives on the other side of the country) and have him call ASAP at 877-243-5123, and gave me a file number. He said he needed a statement from him on a "filing". He told me "you'd be doing him a huge favor" to have him call so he can give his statement before the filing takes place. My brother in law has lived at his residence for 3 years longer than I've been in mine, plus his number is NOT unlisted. I asked why they were calling me, instead of just contacting my brother in law themselves, and was told they couldn't get his information, but had investigators that "dig up" info.. and that's how they got my number..that I was listed as a "contact" in my brother in law's file. Are they so lame that they can't even look in the phone book? This sounds very fishy to me.

A man cld 9/8 asked me to call 877-243-5123 asap.  I called them on 9/9 from a borrowed phone, I reached a RUDE WOMAN.  The msg from the man was they rec. important paperwork from me that I was not aware of was sent to them.  I ONLY know the name of the bus. because I called after hours and reached recording and heard bus name.

got the same call regarding they had prelim paper in the office which they were sure I was not aware of.  

Need to call immediately. Caller id shows 430-200-0007, Call Ashley

they call me yesterday and left a message on my machine, they needed to talk to me asap, they had my file and there was information in there that need to be takeing care of now when i called they had a machine..

these people called yesterday about an urgent matter for someone I do not know.  I have had the phone number for 10 years, so couldn't be for someone who had the number previously!  I called and told them to NOT call that number again, or I am filing a complaint.  I have been getting phone calls for Years for this individual and I have no clue who he is and I have repeatedly told callers do NOT call.

CR and Associates leaves you on hold a long time and then you get a recording to have them to call you. It's a scam I am sure.  What list are they using that they call for someone who could not possibly have had the number for the past 10 years!

CALL MY HOME ASK WIFE FOR MY ID

Called sometime today...the same people by the number of 877-243-5123 left a message sayin i needed to call them asap regarding paperwork they reecieved and needed a statement from me and have it signed. They never left the name of the company. I called them and when they answered they wouldnt say their name. Very rude people.

A scam trying to get your info. A lady on the other line was very rude and won't give you info. They want you to give them your info.

They basically said as Ally put it:

Called my home phone - left a message saying they needed to get in hold of me 'after getting prelim paperwork pertaining' to me and needed me or my representative to call asap.

Called cell phone - left a message saying they needed to get in hold of me 'after getting prelim paperwork pertaining' to me and needed me or my representative to call asap.