just had to add this phone number to this feed, this company CRG is now calling themselves Stephen Lloyds Group, out of Mesa AZ unfortunatly there is a legitmate Stephen Lloyd Group that actually conducts their debt collections legally, so please don't get these two companies mixed up I have contacted to Tucson Company, provided them will every piece of information he would need to notify that AZ States attorney office that Patrick Nahass Jr. and Lori Nahass are not only using illegal debt collection techniques they have now lowed to an even lower form of scum, by hijacking this legitimate companies Name, and using their website to refer their customers too as a show of legitimacy.. again The company in Tucson Is NOT The same!! well here is the new number for CRG a.k.a. PnL Agency, a.k.a. Stephen Lloyd Group a.k.a. Pure Scum Of The Earth People Robbing money from the poor uneducated people (about debt collection legalities) and scaring these poor people into paying a debt that they cannot afford, but are so scared they borrow, steal, get loans whatever they have to do to avoid going to court like they tell you!! I REPEAT YOU ARE NOT GETTING SUED THIS IS NOT A LAW OFFICE, THEY WILL NOT SUE YOU, THEY LEGALLY CAN'T SUE YOU ON THE ACCOUNTS THEY PURCHASE ALL ARE PAST STATUTE OF LIMITATIONS OR ON THE VERGE OF BEING PAST STAT, ALSO THIS IS NOT A LAW OFFICE, THEY DID NOT HIRE ANY TYPE OF PRIVATE LOCATOR COMPANY TO HAVE YOU SERVED, THE PRIVATE LOCATOR THAT IS CALLING AND TELLING YOU THEY HAVE A NOTICE TO APPEAR AND SOME DOCUMENTS TO DELIVER YOU... AREN'T EVERY GOING TO COME SERVE YOU BECAUSE THEY ARE SITTING IN THE EXACT SAME OFFICE THAT YOU ARE CALLING TO GET A "RELEASE ORDER" AS THEY CALL IT THERE.. AND 80% OF THE TIME, WHEN YOU CALL BACK AFTER BEING TOLD YOUR BEING SUED, THE PERSON YOU CALL BACK TO IS THE SAME PERSON THAT TOLD YOU THEY ARE GOING TO SERVE YOU THEY JUST CHANGE THEIR VOICE!! I USED TO WORK HERE I KNOW THIS FOR 100% FACT THIS IS HOW I HAVE SO MUCH INFO ON THESE PIECES OF TRASH... LORI NAHASS IS NOTHING BUT A 2-BIT WHORE THAT REAPS THE BENEFITS OF HARRASSING AND STEALING MONEY FROM THE UNFORTUNATE PEOPLE THAT SIMPLY CANNOT AFFORD THIS, I'VE HEARD THEM USE LINES IN NOV. DECEMBER AFTER CONSUMERS ARE SAYING THEY DON'T HAVE THE MONEY IT'S XMAS TIME AND THEY HAVE KIDS, I HAVE HEARD PATRICK NAHASS JR. HIMSELF ONE OF THE OWNERS LITERALLY TELL PEOPLE, THIS IS NO JOKE, WELL MAAM, OR SIR, I KNOW ITS XMAS BUT YOU NEED TO PAY THIS, IT'S TIME FOR YOU TO CANCEL XMAS FOR YOUR KIDS OR YOUR GOING TO COURT.. WHAT A PIECE OF TRASH HUH?!? ANYWAYS HERE IS THE NEW 800# I AM APPLYING THIS NUMBER TO ANY OLD NUMBER I FIND ONLINE TO HAVE THE SEARCH BAR PULL THESE OLD COMPLAINTS UP AS WELL!!

(800) 385-6505
(800) 385-6505
(800) 385-6505
(800) 385-6505
(800) 385-6505
(800) 385-6505

(800) 385-6505
(800) 385-6505
(800) 385-6505

OWNERS - Patrick "Napolian Complex" Nahass Jr.
Lori "Hey I'll Fuck Anything for money, I mean come
come on look at my husband, he's 4'11" tall, bald,
sits in his office blowing lines of cocaine, and
calling the younger 20 something year old girls in
his office to make sexual propositions to them, but
hey i don't care, Patrick Nahass Jr. gives me money
so i'll marry him" Nahass

MANAGEMENT - Carrie "The Dirtiest Hoe I've ever met" Black

all i can say is RECORD RECORD RECORD, the more aggressive they are and the more threats they make to you that you can get on recoring, just puts more 0's and commas on your settlement you can gain from them.... best way to accomplish this is lead them on, tell them that you are going to pay this, act scared like you don't want to go to court, just never set up the payment, they will start calling you constantly, both the "law office" (there is no law office) and the "Private Locator" (there is no private locator) will start calling you until you cant stand it anymore, finally to get them really upset with you, i mean this sends them through the roof and they start telling you all kinds of new charges you are getting for having a declined payment on file, but set up a payment for the entire balance on the last day of the month, but of course give them all wrong info, give them a fake cc # use your debit card just switch a few numbers on the last set of 4 #s this way the card will decline, and they will start slamming you with calls and threats, tell them that you had a payment come out or something that you didn't expect, set it up for the end of the next month and do the same thing... I promise you that after doing this they will be so AGRESSIVE that you won't believe what they are telling you, get this on recording i can't preach that enough... and I guarantee you a pay off here are some examples of lawsuits that directly involve this company and it's owner.. these all have taken place since i have been posting the companies physical address that they won't give you, the owners names, as well as the companies alias and company name that you will actually be suing... they use fake info so you cannot locate them.. but i will always be tracking them and posting their new info, this will happen until they get shut down... nothing worse than someone who is stealing from poor people to pad their bank account to buy things like a custom chopper had to cost 110k, it is huge, and Patrick Nahass Jr. is literally tiny, he's a weak little pansy, when he sits on his gigantic bike that was built for a real man, not a tiny little over aggressive bald weirdo.. he looks like a child on a harley it's hillarious, i have been staking out their office, so next time He rides his bike, I will take a picture and post a picture of him.. and you will see... the photos i have right now i cannot put online so i can avoid a lawsuit against me.. I'm trying to get photos of him cheating on his wife... which i know for a fact he is doing i just haven't caught him yet...

(800) 385-6505(800) 385-6505(800) 385-6505(800) 385-6505(800) 385-6505(800) 385-6505(800) 385-6505(800) 385-6505(800) 385-6505(800) 385-6505(800) 385-6505(800) 385-6505(800) 385-6505

Company Update They Moved, Changed Business Name Again, and phone #'s, unfortunately they cannot escape the Skip Tracing Techniques of me... I'm working on getting them shut down for good... but being I Know all the Upper Management, and owners legal names, they just cannot hide and escape being Sued and shut down forever... located another civil suit you can refer to it's Ryan vs. PnL Agency / Rhonda vs. Patrick Nahass Jr. / Torres Vs. Nahass just a few to review all of them won the civil suit 100% of them so get your own nice payday for them harrassing you your family your friends, neighbors, co workers etc...

Yes this company is now using the alias of Stephen Lloyd Group, they are a collection agency that uses multiple different illegal collection practices in order to collect a debt, the owners names are Patrick Nahass Jr. and Lori Nahass Jr. for lawsuit purposes record all of their calls and you can get a nice check from these idiots, the company you want to reference when doing the lawsuit is another name the co. goes by which they won't state but is there FEIN # and it is PNL Agency (refer to PnL agency Vs. Beau Scott in AZ, he settled outside of court for 15,000 and couldve gotten much much more if he decided to ride it out) they will call from a privat number there will by a person on the other end that is a complete asshole, telling you that they have some documents to deliver to you, or a notice to appear and you can clear it up by calling the firm, 1st of all there is no firm, they aren't going to sue you, and more than likely the account they are referencing is past statute of limitations, also has been inflated close to 300%, don't be scared they aren't going to sue you as they don't have the means, they aren't a law office, they don't work for a large group of attorneys that hire them to do their collections, and if someone was going to serve you why the heck would they call you 1st, at any rate record every call you recieve, The owner is Patrick Nahass Jr. / and Lori Nahass.. The manager at their Boiler room scam center is Carrie Black, and the business names they use are the following:

CRG- Credit Recovery Group
PnL Agency - Pat n Lori Agency (this is the main one and the one you will be suing)
Stephen Lloyd Group - this is the latest one as I have been putting together a lawsuit to get this company shut down for a few years, they will contstantly change their phone #'s as well as move every couple of years to avoid litigation.

the Physical Address I have located for them since they definately will not give you this info is:

1555 S. Gilbert Road
Gilbert AZ 85204

Like i said if this place calls you it's like you won the lottery let them keep calling you and keep breaking the law over and over, don't argue with them just lead them on like you plan on paying them, the longer you hold out on giving them payment info, you will notice the more and more aggressive their technices become, such as having a "private locator" contact you and have you served... honestly get them on recording saying that even just once, but get them saying it to you over and over again.. it's a heavy payday... if they call you at your Place of work and are telling you this again make sure to record this info, tell them you cannot be reached at work, if they call you again at work.. another pay day... you are not being pursued for "the breach and fraud in the inducement of a contract" you are not being sued period (get that recorded add more to your check) if you want to most aggressive attitude from them post date the entire payment for the last day of the month, give them complete fake payment info, so obviously it won't go through, this will make them extrememly angry, and the calls will again become more and more aggressive the more aggressive they get the more comma's in your check... just make sure to record them.. and like i said lead them on for a couple months, tell them that you are working on getting this all paid, ask them if your in trouble if the response is "Yes you have charges pending" Boom money in the bank... if you have any questions, respond to me on here and i will give you every piece of info you need to pursue them legally, and get a fat pay day, if you get all this recorded, DO NOT let them Settle with you outside of court for 15k or even 50k I'm guaranteeing you if you took this to the end you will be getting a paycheck of closer to a quarter of a million on the low end 100k... Guarantee It!!!! Go Get them!!

CRG (Credit Recovery Group), PnL Agency LLC, All American Finace (3 different names for FTC and lawyers cannot locate them for service of peocess)

2222 S. Dobson Rd. Building 5 ste 503
Mesa AZ 85210

Patrick Nahass Jr. (Owner) - Uses the alias Patrick Ford

Beau Kawalski (Manager)- Uses the alias Beau Jones

Jeremy Beavers (Dialer & Closer)-Uses the aliad Jeremy Boxtedder when you call & John Bordsen when he calls you to allegedly serve you summons

Carrie Black-Cervoski (Dialer & Closer)-Uses the alias Carrie Wilson when you call & Nikki Cruz when she calls you to allegedly serve you summons

Ashley Black-Cervoski (Dialer & Closer)-Uses the aliad Ashley  Dover when you call & unable to locate her alias when she calls you to allegedly serve you summons

Brian Phillips- uses alias dustin marka when calling you

I am an attorney pursuing CRG (Credit Recovery Group), learned very quicky thay the name I had to use for this lawsuit was PnL Agency L.L.C. the reason the owner uses 3 names and does not provide physical address is to prevent anyone from locating him for lawsuits or F.T.C. shutting them down. For everyone's info these are valid debts, the ammounts are very wrong, we learned that the owner applies any figure that he feels necessary to make him more money generally the figure we notice applied to many of these purchased debt os approximately $750.00-$850.00 keep in mind this is completely illegal. So if they contact you please contact:

Arizona's States Attorny General

WWW.FTC.GOV

WWW.BBB.COM

and if you want to pursue them legally contact any attorney who deals with fraud companies or debt collection companiea. This is a very easy case as they violate about every FDCPA (Fair Debt Collection Practices Act) that exists so if the attorney you hire knows what he or she is doing its a guaranteed win.

i just got a call from 18885663263 - his name is Patrik ford - he said he is calling from CRG credit recovery group - he threatens  me that hey are sending me to court because if i dont pay my debt in 2 payments and i dont even know about this debt - he is rude and hung up on me twice because i have ask for a verification letter in order for me to provide my debit card over the phone - I CANT FIND THIS COMPANY IN GOOGLE. so im pretty sure is an other scam -- i need help what should I do?

Is calling EVERYDAY claiming to be Cory Jacobs and is supposedly going to sue me for some past debt. He is even calling family members.

These scum bags called my wife trying to bully her and she is pregnant and not only that but high risk as we were told ee could never have kids. SL when I took the phone from this worm of a man named Cory Jacobs he tried to push me around well it didn't work to well for him considering iam in the U.S. Military and iam used to do***e bags like him and I said my piece he tried to say his but apparently his intelligence is just to low you know like that of a guinea (very stupid bird). So any way thus blog was more for the CRG stooges that like to reply to them. And by the way Jacobs if you are reading this play your games and tricks on me and I will play my games.

These guys are far from scum. You guys with your buy now and pay later, forget to pay the phone bill, are the ones who make this a legitimate buisness. You think that just because the Statute of limitations has expired that you cannot be contacted about a debt?  This is not true. the statute of linitations only allows a creditor to sue you for the money either by a judgement or any other means a court will decide. So although you may not have it on your credit file (that you can see last 7 Years) when a bank or a credit provider pulls up your credit file they can see it as they get a full copy.

I'm sorry to tell you but they are not members of BBB and Cory Jacobs is scam artist and you should not have to apologize for anything. It people like Cory that need to pray for God's forgiveness because he preys on people especially in the economic hardship our world is enduring right now.

I am replying to your message in regards to a man named Cory Jacobs with CRG.  I have never received a phone call quite like his before and I'm not saying I haven't spoken to rude people before but, he went way beyond rude. It was not even my alleged debt, the debt he is trying to collect on was supposedly my Fiance's alleged debt but like you the debt is 11 yrs old and past the statue of limitations. He really messed up when he called me because I'm not a sheep and don't scare easily. He yelled at me, threatened to file a claim against my Fiance, called me a liar after I told him the phone I answered was not my Fiance's phone. Mr.Jacobs also gave out personal information after I told him I was not his wife. That is against the law! I don't know if you know this or not but for every infraction a bill collector makes you can take them to court and get $1000.00 and that's not including punitive damages.That means if they try to collect on an uncollectable debt, keep calling after you asked them to stop, or call at times there not suppose too, if they call you at work. I could go on and on but I'm just letting you know there is ways to deal with people like Mr Jacobs.
I have studied the laws regarding this  in depth . I like reading and just happened to come across the laws regarding bill collectors one day and I learned a lot.
Mr Jacobs got the wrong person the day he talk to me because he had no right talking to me that way and your right he was very condescending and would not let me get a word in. I'm disabled and stress is the last thing I need, but that's exactly what he caused me mental and physical stress. I wish you luck and pray no one else has to deal with someone as hateful as Mr. Jacobs......

They have been calling me for the past 3 months saying that I owe a phone bill in another state that I paid when I moved.  They have tried scare tactics like putting it on my credit report and that is would show up on my income taxes showing I owe it. I am homest and I pay my debts, and I would have if I hadn't read these.  I reminded them that I had paid the bill over 7 years ago, and they told me it wouldn't be 7 years until Sept, 2010, 6 months from now. They refuse to send anything in writing showing the dept and keep harrassing me and asking if I have proof of payment. When they would not send a letter, they suggested an email that wouldn't even download. What a scam!   They have my phone number, ss #. and I gave them my address, like an idiot.  I have read the  reports above just in time to stop them!  Thank you gracious Lord and all of the above folks!

a guy named Mark Stevens keeps calling saying its important to get in contact with me today or my credit will be runed for life and I will go to jail if I didnt pay this debt from 1999. yeah right he cango to hell with the debt!

I have received calls from these idiots for about 6 months.  The debt they reference is supposedly from 1997.  I actually have fun with them, since i know this is a scam.  I keep them on the phone for as long as 55 minutes, haha.  This company is one of those bottomfeeder companies that CANNOT provide proof of anything, much less any paperwork.  They purchase a name, ss#, address, and tel number only.  I would advise everyone hearing from them to dispute anything they say, and write the certified letter above.  This will stop their calls, and if not, allow them to be sued.  The have been found guilty in state and federal court in Illinois many times, but i guess for them that is just the cost of doing business.

IMMEDIATELY dispute this transaction with your bank!

I GOT A CALL ON JUNE 3 09 TELLING ME I OWED MONEY FOR A CREDIT CARD FROM 2000.. THE AMOUNT WAS 1284 BUT THEY WERE ABLE TO DROP IT DOWN TO 357.. THE GUYS NAME WAS MARK STEVENS.. LIKE A FOOL I PAID IT. AND NOW NO ONE WOULD RETURN MY CALL..  I FEEL SO STUPID BECAUSE I FELL FOR THIS SCAM.. IT WAS NOT ON MY CREDIT REPORT BUT SINCE I WAS IN THE PROCESS OF PAYING OFF MY DEBT I DIDNT THINK TWICE ABOUT IT.. IS THERE A WAY I CAN GET MY MONEY BACK?

They've left messages for a Dwayne Harris and now they used my husband's name. It's not only a scam but an tacky way of making money. I found the same listing and the owner's name on Manta. It's completely ridiculous.

Cardinal Recovery Group LLC
571 Tollgate Rd
Elgin, IL 60123-9328
Phone: (847) 289-8590
Owner: Ashur Youash
Caller: "Jennifer"

After pressing for the specifics, he told me to "get off his phone" and hung up!

BE CAREFUL!

I'm going to recant my last post. Actually I have decided differently. I can't remember ten years ago, but ten years ago I did have some bad debts, but I also worked very hard at fixing my credit report. The thing was they had an old address on file that they sent letters to and this wasn't on my credit report. But in retrospect, it probably was something that was mine. I try to be honest, I worked hard at cleaning up my credit and this just threw a monkey wrench in my plans.  I blew a gasket and called them up and yelled at them. Still they were not rude to me or threatening. I did more investigating and find they are a member of the BBB and I did over react. So forget what I said, and even though this fell off my credit report and was past the Statue of Limitations it was most likely money I owed at one time and I'm taking responsibility for it. They are a lagitimate business and I'm sorry I smeared them and blew a gasket yelling at Cory.

Yes, it happened to me yesterday and I feel for the scam. Supposedly a debt from the year 2000, and it isn't on my credit report. Fell for it, hook, line, and sinker and I feel like an idiot. They were 'nice' on the phone but threatened me with garnishment. I don't know why I fell for it. They made it sound like such a good deal. Wipe away a a supposedly $5300 some dollar debt with interest for only $500. They kept offering a better deal but it had to be done immediately. So I did and later knew I had blown it. Called my Visa card and since I authorized it they can't stop it. I called "Cory" or whoever he is and told him I wanted the payment stopped and he refused going on about how many people won't pay their debts. I said I wasn't one of those people and if he didn't return my money that isn't on my credit report and is way to old to even be on it he refused. So I told him we had nothing to talk about then. Now I have to jump through hoops and do all kinds of stuff and hopefully get my money returned. Can't believe I fell for it. They are smooth operators and have a good thing going. Be careful.

thank you. i will follow these guidelines. i appreciate the fact that there is honest people out there still not trying to pry on people especially in this economy when the country should be pulling together not trying to rip people off

i also spoke to cory jacobs which i think is a fake name. the letter that they sent was not the same name. this guy claimed i owed on a first card from the year 2000. he became very mean and screaming at me especially when i said this sounds like stolen identity and a scam! I will follow up with the proper procedures and will certainly find out how he claims to have my ss number

Cardinal Recovery Group LLC
571 Tollgate Rd
Elgin, IL 60123-9328
Phone: (847) 289-8590

Yes, Upset, you DO have rights....contrary to what rogue collection agencies (like this one) think otherwise.

You have rights under the FDCPA (Fair Debt Collection Practices Act). In your case, they have first violated Section 809 by demanding payment on a debt without providing proof that you actually owe it:

http://www.creditinfocenter.com/legal/FDCPA.shtml#809

Furthermore, if the alledged debt is as old as they say it is, it is NOT collectable, as the SOL (Statue of Limitations) has expired. They are (more than likely) bottom feeders who have bought this debt for pennies on the dollar and have no proof as to the actual owner of the debt is. They prey on unsuspecting consumers in hopes of extorting a payment, in order to reage the debt and "restart the clock".

Secondly, they have violated Section 804 of the FDCPA, by refusing to identify themselves:

http://www.creditinfocenter.com/legal/FDCPA.shtml#804

Third, they have violated Section 806 of the FDCPA by verbally abusing you:

http://www.creditinfocenter.com/legal/FDCPA.shtml#806

Here is what you do:

First of all, STAY OFF THE PHONE!

Second, file complaints with the FTC (Federal Trade Commission) regarding the above violations:

https://www.ftccomplaintassistant.gov/

Third, send them this letter VIA certified mail, demanding validation of the debt they are harassing you about. Request a return receipt and keep copies of everything you send. Once you have written proof they have received it, they have five days to comply. If they still refuse to provide VOD (validation of debt) and keep calling, they can face fines of up to $1,000.00 PER violation.

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

VIA CERTIFIED MAIL

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(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.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state)
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

I get these calls a lot over the past year. They claim I owe a phone bill from about 12 years back and from another state that I lived in once. I don't owe the bill, never used that phone service and have told them over and over.

They even threatened me with a bad credit report. I usually don't answer if I see the name Cardinal Recovery on the caller id but this number said unknown and I answered. It was a lady this time asking if I was home, calling me by my first name like she was a friend. I hung up. I know my friends and she is not one of them. I have asked her who she was before and of course they won't tell you, just yell at you about a bill you don't owe. The man even called me a liar.

The scum even calls so early in the morning I'm not even up.

A man named Cory Jacobs with CRG called me and told me I owed a debt over 12 years old.  I have never received anything on this until now.  I don't owe it, and even if I DID, there is NO way I would not have known about it until now.  He was rude, yelling at me, and condescending in every sense of the word.  He will not listen and will make you to be a thief.  He threatens credit bureau reports with no legal leg (as told to me by the BBB, CCC, and FTC with whom I have filed complaints).  Do not let him bully you.  Write a cease and desist letter to him and his company and a copy to the FTC.  The BBB told me that often times, these companies buy out bad debt and will use illegal and neglectful tactics to collect debts that are well past the statute of limitations, and even will try other customers who had accounts with the company they are "collecting for" to get you to pay others' debts.  Its ridiculous and really uncalled for.  Google his name and you will find many facts about him and the other's that have had the same experiences with him.  I feel this is a big scam since he can give me no bill, no paperwork whatsoever to back his claims.  I even called the original "debtor" and they have no claims that I owe or owed them anything.  Be careful and let someone know when you are being bullied... especially about a claim they can't or won't back up.