What sate do you live in im from wa and I have paid them over $2,000 from a past dept. They can never give me info just a balance and where it is from but the problem is it was from over 10 years ago.... Any ideas on what to do? They have all my bank info???
I got a call from them 18888566927 an they say I'm
a have a fealney n jail time
Ms Brown calling for someone we do not know. Told her over and over.
"Crystal" called me too. "Extremely important" that I or my representative call them today.
Sounds like a debt collector.
A lady this morning around 10:30 am called my moms cell phone asking for me her name was Donna carter. I asked my mom did she say what it was about she said no she didn't say. The only thing she gave my mom was the number to call her back at and left her name and it was for CRA.
I HAVE BEEN GETTING PHONE CALLS FROM NUMEROUS PEOPLE FROM CRA AT WORK. I DON'T KNOW HOW THEY GOT THIS NUMBER. I DON'T KNOW WHO THEY ARE AND I WOULD LIKE THEM TO STOP. WHAT CAN I DO?
No, they can't restore an old debt that is past the statute of limitations. The statute is put there for a good reason and once the debt goes past it, that's it. But if you make an agreement to pay them for it, or a part of it, then that's a new contract you are potentially liable for, depending on which state you reside in. My advice is to change your phone number for a while or for good, and make it private when you get your new number. This may be very good if they and others are calling your elderly mom or dad bugging them for you or your kin's whereabouts. Just inform the kinfolk and necessary persons of the change, the docs office etc, but make it private. They really try to get info through relatives lots of times. Watch your online privacy, too. If they can't reach your mom or dad because you used that number somewhere as a permanent contact number, maybe on the original paperwork, that's most of your battle. The rest is deflecting them if they actually make contact with you. A little bit of phone jiu jitsu should do the trick. If you don't want to lie, make sure you don't let them know you're the party they are looking for.
These jerks call me for what sounds like a combo name of my sister in law and her mom, with dates of birth of one used for the other, or from old buddies' mom's names. I don't have anything active at all, so if they called for me it would be over an item way way way past the statute of limitations.
ILLEGAL DEBT COLLECTOR - debt collectors must be licensed and bonded in YOUR state. No license -they cannot make calls, send letters, sue or anything else.
Consumer Recovery Associates
Address Principles, Owners,
Attorneys,Exec. Officers Rating
2697 International Pkwy
Virginia Beach, Virginia, 23452
Threats of issuing bogus 1099C's on out of statute debts.
This appears to be a consumer scam.
Aliases Other Locations
CIA and Associates CC Associates Consumer Credit Association Consumer Recovery Associates Court Company CR Associates C&R Associates C & R Associates
*135 Interstate Blvd. Suite 8 Greenville, SC 29615
THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS
READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE
You can also post your questions here http://www.collectorsexposed.com/forum/ NEW URL!
These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!
Dealing with Debt Collectors
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
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
Civil Service and Federal Retirement and Disability Benefits
Service Members? Pay
Military Annuities and Survivors? Benefits
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
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
Got called yesterday. Called back this morning. They were trying to collect on a bill that I had already taken care of years ago. the part that scared me was they had my last 4 digits of my social. they kept hanging up on me and then the "partner" told me I had a hour to get the money together. They told me I had an hour to get the money to them. Do not trust these people. They just wont money. You now have right under the fair credit act.
i just got a call from this number get back to us or we will see you in court.
What do they think I am?
Got a call from 864-642-0193 (caller ID) not recognizing the # I let it go to voice mail. "Mr. Sheldon" had the serious tone to his voice of an attorney or someone relating to a serious legal matter. He stated the call was for a guy that I've never heard of and left a reference # and said it was urgent that he or his representative call him.
Thinking it was truly a serious matter I called the 877-704-9454 # to tell them they had the wrong #. To the man who answered I said I received a call from Mr Sheldon and that he had the wrong # in who he was looking for. He said, "was he looking for S**** H***?" and I said yes he was. He said he would go immediately and inform him and hung up on me. Him knowing the name of the person he called for and then hanging up on me pretty much said they weren't legit.
Can you believe this, sucum sucking, night crawlers who have no life and are paid less than a buck a week want my SSN number, life story, howmany bills I owe, and love to make threats to people No Ms. Earl you will not get a response from me. No where else but America.
I too got a call from a Mr. Wong yesterday. The number came up 864-724-1363 but they left the number 877-704-9454 on my message. They were not really rude sounding but they did say they had a very critical matter they needed to handle with me. He also said I had 24 hours to return his call or the situation could get worse. I am glad I did not call them back! I have no debt and no legal problems so I have no idea what these people are doing. Thanks everyone!
Yeap, got a call from "Donna Carter, calling on behalf of Mr. Montgomery". They were looking for my wife, who I informed was not available. I asked the name of their company, "CRA". They could not tell me what it stood for, and when asked about what their company did I was told "We do many different things, I can't really say just one". With that I told them I would pass their information on (and I did), but asked them not to call my cell phone anymore, as it was not my wife's phone. They asked for her direct contact information and I advised that I was not at liberty to give out another person's information, especially to an organization that was not forthcoming with information about themselves.
They gave me the 9454 number but would not identify the purpose of the call.
The call seemed non-threatening, albeit slimey, and the young lady was nice.
A Lisa Cambell called my mothers home looking for my husband which we havent lived there in over 5 years told her there were some very important documents they came across and need a looking at asap.She left a number and said she was from cra..She left 8777049454 which is a matthews,nc #.I called back and a rude Larry asked me who i was i told him i was the person they were looking fors wife..he told me he couldnt tell me anything but if my husband didnt call them back right now they were gonna issue a warrant for his arrest and take legal action.He became very rude and started asking me who i was and if i was really his wife.that i may in fact be someone else trying to get information out of them.I told him yea you called my mother house but im a scammer too!Then i told him have a f**king lovely day and dont call back or ill file a harrasment charge.Looked them up online and there a scamming company that buys very old debts that are almost past there 7 years trying to make one last collect.Funny thing we dont have any unpaid debts!
I just got a message on my cell phone from a Stephanie who said she was calling from CRA and she just wanted to give me a heads up about whats going on around there that she was sure I didn't know about. She said the situation was grim, ans then she hung up.
These people just started calling my cell phone about a week ago, out of the blue. They call a couple times a day. I never answer800 numbers on my cell phone. They don't identify themselves as debt collectors. I think they need to be turned in.
I got the same call, looks like they've been trying to make a few bucks the last couple of days. I spoke to a Mr. Scott who after I called an a*#hole decided to hang up, I guess being ruder than them scares them off!
Larry called and indicated he was from CRA. He said he had some important information concerning a file, that he needed relay to me. Thanks for the information included here concerning these scammers.
I wanted to add, she also stated she needed to speak to him or his representative. The number she gave me was 877-704-9454
I got a call from these people yesterday looking for my brother that lives in a totally different state then me, whom i have not even spoken to since 2004, wth is wrong with these people. I don't even know if my brother lives in the same state as he did. I told the girl I assume it was a debt collection and she replied with no, it is in effort of getting a statement from him. yeah right, so now they have called MY home, harassing ME and LIED about the purpose of the call to boot. My Dad said they have been calling him as well. My question is WHY they called ME. NOT very happy.
I also got a call from stephanie that sounded like a man sometime today. Said that there was a situation that they weren't sure that I was aware of and she wanted to help me resolve it. I never heard of this place before. Im pretty srue that if it is real that I should be getting a letter from them within the next week or two.
Just got a message from CRA and said it was important she talk to me or my representation. The call came from Anderson, S C from a 864 area code.The number she left on answering machine was 877 number.
Yep, I just got a message today too. They are pretty good at the drama. I wonder if they hire struggling actresses. She said CRA was handling an important situation and she wasn't sure if I was aware of what a grave situation I was in. I was so stressed out about something else, I panicked, luckily I came here and am now like yeah, I don't have any old outstanding matters either. Thanks everyone.
Got a voice mail message, left at 8:30 a.m. this morning by a man, "Mr. Gosnell," with southern accent, and effecting a very "friendly" tone. He used my first name and said there was an "important" situation of of which I was unaware, and he needed to "bring me up to speed." This outfit obviously uses "surnames" rather than first names, and although others indicate discourteous messages, his was almost like somebody who wanted to deliver some good news. He also identified as "CRA," but only as that. As others here have noted, this is one of those firms which buys old debt packages, long past statute of limitations, for ¢'s on the $'s. These people autodial many numbers, sometimes leaving voice messages (as here), sometimes not. A friend, far more informed than I tells me that often, live reps. will observe and pick-up live the first call they note as having been answered by someone "live" on other end - then try to coax or threaten some sort of payment from that person. Other calls, even answered, will go unaddressed or may leave message. In my case, I was divorced several years ago, and there were no major or past-due debts, and I had a lawyer take care of everything. Nobody could be contacting me for anything current, and if my attorney let something "fall between the cracks," it would be minor and FAR beyond any period of collectability. These weasels are just the same old collection types who now use telephonic technology to make 1000's of calls, just hoping to collect a few bucks on a small %age - and at price they pay, this small proportion is profitable. Ignore them, and never get into deep communication, which I'm told CAN result in a debt's being restored to collectible status. .
1-877-704-9454 called my cell phone asking for my husband and said they needed to talk to him concerning a "situation he was unaware of"....these people are MORONS!!!
I recieved a call claiming to be grave situation. It was a debt collector looking for the wrong person. They were rude and threatening me and I wasn't the person they were looking for.
Got a call from a Miss Sawyer at CRA. She sounded ominous. Said she needed to talk to me or my representative (read lawyer, implied legal action) right away. Did not identify herself a a debt collector or explain the purpose of the call.
are these people nuts or what "you need to call me back today to avoid future trouble" yea ok buddy CRA breaks fdcpa rules
Also got a very menacing sounding call from someone named Mrs. Berman. Wouldn't give me the company's name or anything. Said she needed to talk to my husband.