877-704-9457
Inquisitive
Inquisitive
2011-06-06 21:04:44
Unknown
I called 864-649-9008. They wanted me to disclose who I was and the last four of my social. Oh no! When I inquired about who was on the line the female just said CRA failed to elaborate noting that there were different departments, but they had important information to discuss.
DMC
DMC
2011-06-06 21:04:44
Unknown
SCAM  CRA
MB
MB
2011-06-06 21:04:44
Unknown
Just received a voicemail from "Lisa Campbell" - no other information, except I am supposed to call her back.

Who are you, Lisa?
Curious
Curious
2011-06-06 21:04:44
Unknown
??
G. F. Linnstaedt
G. F. Linnstaedt
2010-09-01 15:09:13
Unknown
Wanted my daughter in law from over 20 years ago to call in for some urgent deal.  Said she was with CRA  and referenced #809576 and that her name was Jenifer.  This is not the first time and they have called frequently.  I returned the call and was told that they could not divulge the nature of the call for privacy reasons.
dmf
dmf
2010-08-20 15:31:30
Debt Collector
I just recieved a call from CRA.  When I asked what this was about, the woman, wouldn't talk to me. She said that she needed my husbands "permission" to talk to me, since she was calling for him.
CRA also called my father-in-law trying to get ahold of my husband.....I don't (didn't) know who they were until I also did a search on their phone number and got this site........I am turning them over to the Missouri Attorney General's office......TODAY!!!!!
Malissa West
Malissa West
2010-08-09 15:23:58
Debt Collector
These people are nuts, they want to collect money but when you ask them for info on the debt you supposedly owe they won't give it to you and hang up.  Any legitimate company would be happy to give you the info so you can resolve the issue.
Jim phillips
Jim phillips
2010-07-30 15:34:22
Unknown
Yep, got a call from Callie this morning, wouldn't tell me what it was about (wanted to talk to my wife), so much for unlisted numbers !
Carmen
Carmen
2010-07-30 12:19:53
Debt Collector
Called several times over 4 days, and never would tell me what they were calling about.  Would yell and scream telling me that I have no idea what I've gotten myself into.   I finally did a Google search on the phone number and discovered that the company does dept collections on junk debts. I called them back, and told them I knew who they were, and they were not listed as licensed or bonded in my state under any of their business names.  The woman I spoke with then stated I did not know what I was talking about and was not calling regarding an old dept and would take my name off their calling list.
lamet
lamet
2010-07-28 20:02:49
Unknown
CRA is an UNLICENSED DEBT COLLECTOR - NO LICENSE - THEY CANNOT CALL ANYONE OR COLLECT A PENNY

Check your own states Secretary of State website for Licensing!   REPORT THEM TO YOUR STATE ATTORNEY GENERAL AS WELL AS THE VIRGINIA ATTORNEY GENERAL

Scott -   Check out Armedforcesjustice.com.  As a deployed serviceman -there are LAWS that PROTECT our Service people! .  




http://www.consumerjustice.com/consumer/agencydetail.aspx?id=5319
Consumer Recovery Associates  
2697 International Pkwy
Virginia Beach, Virginia, 23452

dmin@consumerrewcovery.com
www.consumerrecovery.com


--------------------------------------------------------------------------------
Phone No.  877-704-9451 215-325-1354 234-542-2874 310-601-7244 310-734-6338 310-855-3688 310-860-6293 317-536-5458 319-892-0349 323-319-5178 404-474-4884 404-963-8760 430-200-0007 505-349-0354 505-  
Fax 757-368-3622 866-596-9114  

  Curtis R. Taylor
 
 

Notes
No license or bond found. Threats of issuing bogus 1099Cs on out of statute debts. This appears to be a consumer scam.  

ALIASES AND 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

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

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
Http://www.budhibbs.com/First.htm    
    
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 2009

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
Scott
Scott
2010-07-28 19:43:12
Debt Collector
I just got a voicemail message on my Skype VOIP number that is unlisted and is only usable when my computer is online.  I'm in Iraq and have no idea how they got this unlisted Skype phone number.  Luckily I'm able to block the phone number from calling again, but you can tell it is a scripted call and the caller isn't very good at sounding convincing.

877-704-9457 was left on the voicemail but the caller ID showed: 757-271-1514
Paula
Paula
2010-07-27 17:54:37
Unknown
This phone number is harassing me.
Paula
Paula
2010-07-27 17:52:50
Unknown
BEWARE! Do NOT give any information to any of these cons. I just got a call on my cell for my husband from a Callie. When I told her that she could talk to me, she asked if I understood privacy laws in Texas. YES I DO, I am his wife, and am listed on EVERYTYHING he has. She still would not give me any information, so I told her to just send a letter to the address they have listed and she got really rude and started saying it was in his "BEST" interest to call. I told her to get a life. These people make me so mad!!!
sprednwings2fly
sprednwings2fly
2010-07-26 16:53:14
Debt Collector
Caller is stating they are trying to collect a debt from 2000. Supposedly sent 13 letter to that effect, but just now calling..makes no sense. Saying the original company has been bought out several times so we probably just threw them out as junk mail, so they are trying to get a "contract agreement" for payment, and now seem to be avoiding sending proof of debt saying they aren't going to any further expense. The only other expense would be a copy of the debt and a 44 cent stamp. If I owe anyone or anything, I will send that to the original debtor.. not this caller.  This has to be a scam.  Also, they give you the number 877-704-9457 to call them back, but when they called it came from 843-278-0375 which is registered to Amanda Meeks in Myrtle Beach, SC.
JOSH
JOSH
2010-07-23 15:43:00
Unknown
MY MOTHER-IN-LAW got repeated phones calls for me about CRA stating it was very important to return there call. First of all calling my mother-in-laws phone which was never given out. The funny thing I have a listed phone number but they never call that. I talked to a guy that said that he was a creditor and owed on an account. I told him that funny because I just agota House loan this yeas and looked at the cretir reports with back and they said there is nothing on my records dare to metion the bank checks all three credit reports. I told him that I ws reporting him on scamming and to make sure other people did too. He said oh and hung up. So BEware Dont give money to people  REPORT THEM.
walter
walter
2010-07-23 10:19:54
Unknown
Repeat, phone calls, messages saying it is very important I call when I call they refuse to identify them self and hang up.Must be a bunch of con artisst
Get your facts straight!!!
Get your facts straight!!!
2010-07-21 17:12:28
Unknown
I got the exact same information that CHERLY DAVIS got, they contacted my parents home 30 miles away from mine,  1st of all I don't even know my parents phone by heart, their number is saved on my contact list on my cell LOL. 2nd I don't have any debts. I called CRA 877-704-9457 couldn't provide me with information, the female was very rude and hung up. I live in California
877-704-9457
877-704-9457
2010-07-20 11:38:57
Unknown
Caller left voice mail:
"Hi my name is Stephane. I don't know if you know it or not (uses a name) but there is a situation in my office that I need to talk to you about. Please call my cell 877-704-9457.
cinny
cinny
2010-07-20 00:02:38
Debt Collector
I got a call from this number and she said her name was MICHELLE and said her last name too. (can't remember it). She went on and on and when I asked her name again, she hung up.
enoughalready
enoughalready
2010-07-16 19:57:07
Debt Collector
This company is called Consumer Recovery Associates and they buy old, junk accounts.  They have been leaving messages for someone that was here three years ago.  Each time it is very important that the person call them.
unknown
unknown
2010-07-16 17:30:12
Unknown
they have called my cell phone 3 times now looking to talk to a LaShawn Coffee well that is not me.  They leave my messages saying it is extremely important and that i need to call them back, but when i do to tell them they have the wrong number and please stop calling or i report this CRA company i get a rude customer service person on the phone who says my number has been removed and then they hang up on me....but they keep calling
gbj
gbj
2010-07-14 18:20:26
Unknown
Left a message saying something like it was a matter of great importance "with their office-"  a woman who said her name was Mrs. Clayton.  I suspect it was a bill collector.
disco
disco
2010-07-14 18:08:44
Debt Collector
They keep calling me and leaving the same message about something like "you have no idea how serious this is" blah blah. One lady who left a message was CLEARLY reading a script, she was terrible at it. This is most likely a debt collector. Just don't answer these calls and NEVER call them back.
Cheryl Davis
Cheryl Davis
2010-07-13 02:14:23
Unknown
They keep calling even on my daughters cell, which I never give out, and my husbands work, which I never give out. They say it is very important they reach me or whoever represents me, that I'm not aware of what'sgoing on, but they want to give me a heads up.
1-866-302-8402 1-206-259-9391 1-866-312-9553
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