I received 4 to 5 calls a day from CRS and it's quite annoying

Talk to a lawyer. In Louisiana if you send a post-dated check to someone it clears you of fraud/felony charges because they knew that there was not enough money to cover the check when written. Mostly that is to deter payday loans. It gets complicated so talk to a lawyer.

You are an idiot.

How stupid do you think we are?

I continue to get calls from this number as well as others looking for my ex-husband who I have been divorced from for close to 20 years now. I am left a recording and call them back and request they stop calling. This is NOT a debt I owe with him, my credit is excellant. I live in NY state which he has never lived. I am tired of these calls!

We should all go in together and file this as a class action lawsuit against this obtrusive and lying agency

I filled online complaints yesterday to both the Florida State's Attorney and Texas State's Attorney offices.  No calls or emails back from either office as of yet, but assume that will take more time.  I also may contact a law firm Khons & Moss that specifically go after collection agencies.  I spoke with them before but they didn't recognize CRS, but said if I can verify it is a legitimate collection agency (meaning it's not completely made up company/fraud) then they may be able to do something.  I just want them out of my life, and if a phone call, letter or inquiry from either the law firm or attorney's office does the trick, I'm happy.  This guy is a sneaky, deceptive, and cold SOB!

My parents, uncle, and I received a call from good ole "Investigator" Greg Wallace today from CRS, in the span of a few seconds, stating that a case was being filed against me.  I filed a complaint with the FTC.

also received call from 888 214 7827  did sme research however he made 3 contacts to 3 different #s within 5-10 minutes. left 2 messages...he is only skip tracing...  reviewed other information about a ms white and that explains the FL tie as well. a private investigator can do what i just did...  calling from CRS with case # etc...and yes had 24 hours  as i read in the above information.   wait till i file on him    
Greg Wallace Investigation AgencySHOW INFORMATION


Phone: 239-405-1035
in progress
26340 Hickory Blvd
#501
Bonita Springs, FL 34134
PI License Number: A2600139 & C2600330
POSITION Owner of Greg Wallace Investigation Agency, a full service Investigative Agency. LICENSURE?S Investigative Agency License A2600139 Private Investigator License C2600330 Licensed and Regulated by Florida Department of Agriculture and Consumer Affairs CURRENT CERTIFICATIONS Certified Process Server, ID#157988 for The 20th Judicial Circuit of Florida (Charlotte, Collier, Glades, Hendry and Lee) under Fla. Stat. ?? 48.25, Seq. Certified DrugWipe ? Technician through Ortino Investigations DrugWipe? Certification Course. EDUCATIONAL BACKGROUND Bachelor of Arts in Anthropology California State University, Long Beach California Alumni Member of CSULB AFFILATIONS Member in Good Standing with the Florida Association of Licensed Investigators (FALI) Member in Good Standing with The American Legion Post 303 - Sons of the American Legion in Bonita Springs, Florida. APPOINTMENTS Appointed CUSTODIAN/FIDUCARY by the U.S. Department of Veterans Affairs for my parents who both Veterans of WWII (2005-2007) REFERENCES U.S. Department of Justice/United States Central District of California/Arthur N. Marquis, Assistant U.S. Trustee (2004) City of Costa Mesa Police Department, Costa Mesa, California/Shelia Cannan, Investigator/Economic Crimes (2004) Law Office of Richard A. Higbie, Esq., Balboa Island, California (2004)

I just recieved the same call from the same person (888-241-7827) claiming to be an "investigator" (misleading to infer an officer of the court or law enforcement) and that he was verfifying employment to garnish my wages.  When i explained that I had not recieved any court documents, he claimed that they didn't need a court order to garnish my wages (this 100% NOT TRUE).  Both of these comments alone violate the FDCPA 559.715!  These guys should be shut down!  If anybody knows who or where I can file a compliant I will certainly do so!  Collecting a debt is one thing, lying, misleading and using harsh fear tactics is another not to mention he was quite rude!

I received a call from 888 214 7827  The man said he was a Mr Greg Wallace and he wanted to talk to a Mr. G. Allen .  He said he was with CRS and it was about a case #3638532 that he need to make a decision on  what to do on  it within the next 24 hours  I told him no one by that name lived hear and never heard of that person before.  He said thank you and we hung up.

He did say it was about a fraud case

Received threating called when asked to ID herself told me I was a deadbeat and hung up phone. If any one have info concerning her company please reply ASAP. Phone # 888-214-7827 Ms. White is the information I received.

this company does not bother to verify the owner of the phone number they are calling.  I own a track phone, have no outstanding debts and they keep callin for a TAKARA BENNETT who does not live here.

I rec'd several calls from reps from Commercial Recovery Systems - last set of calls came from a Mr. Clock (1-800-214-7875)     Was told that I had a judgement coming to me due to repo of my car in 2008.    Kept calling me about the judgement - I told him fine - send it to me - then he came back and said they would settle the account for $3700 - I told him I do not have that kind of money but that I would try and borrow money.   Around Christmas he told me the only way to "hold" this $3700 amt for me was for me to FAX him a check made out to CITI for the amount.   I asked him "what if I can't get the money - will the check be held against me?   His answer was no - it will not.  I did as he requested (Yes, I Know, STUPID, STUPID, STUPID)  I tried to come up with money but could not - so I closed my account and called him and told him I could not get money - I then was told "you have given a fradulent check - and since it was over $1,000 it will be a felony - I am going to turn this over to District Attorney in Texas and you will be arrested.    I told him I had $500 I would Western Union him on check and the balance would come in increments - I was told "NO - must have ALL $3700)   The last time I spoke with him was last Thursday morning - I placed two calls to him to advise I could not get the money - he called back and said I had until 1:00 to wire him the $3700.  I called him back and advised I could not wire him the money - I did not have it - but did have $500 I could Western Union him)    He called back and said "NO - you will be arrested and I will have papers served on your for judgement, and then he hung up on me.    (He did tell me in one of those phone calls that he would tell the District Attorney that I did not "intentionally" give them a bad check.  (Faxed Check to them.)   I have been calling my sheriff's office 3 times a day since last Friday to see if any papers are being served.    Last night he calls and speaks to my sister (she did not know about any of this)    I was at my nephews baby-sitting his son.    He tells her EVERYTHING about my situation and leads her to believe he is sheriff. Tells her he is sending my "bad check" to district attorney then.  I was frantic when she told me and I called our local sheriff last night and was told "No papers are here, and no one from our dept. calls to tell you about papers."    I called sheriff again this morning and was told "no papers are here" - I spoke to sheriff that serves the papers and he advised "no papers are here."        

Yes, I know it was stupid to fax the check (he said he could use that as Automatic Draft from my account) but - does anyone know if what he said is correct about me being arrested?????    Please Help Me.    I am a wreck - have had to contact a therapist because frankly I could jump off a cliff and never feel the pain.

Someone please help me.

i just want to say thank you for all this info. it is a big help for me.

You said an OLD BOA account - that you had not heard from BOA in Years?  

There is a statute of limitation on debt and if you paid without validating it - you were pretty stupid and did not HANDLE IT CORRECTLY

that call was illegal- by leaving a message claiming she was calling from
Broward County Courts
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.




COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATOR IN THE COUNTRY
Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state ? always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors ? always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.

I received a message from a Ms. White at 888-214-7827. She said she was from Broward County Courts, in South Florida. I saw the above from sky1. I called Commercial Recovery Systems. The receptionist verified that the number was one of theirs and that the extension was for Ms. White. I explained the misleading information she left on the message. She left me on hold for quite some time trying to get someone to talk to me. She transferred me to a gentleman who could not find any information and asked for my phone number to call me back. At this point I am very suspicious. Mostly because she is calling from a Collections Agency but saying she is from Broward County Courts. This is false information!! I will post a follow-up when I know more.

I have found out that this is a legit call from Commercial Recovery Systems (www.crsresults.com), a debt collection agency in Dallas, TX. After "Ms. White" claimed to be a rep for them, I called the company directly via number on their site. I spoke with Jack Cecil, he verified all of the information that White had discussed with me. It was a matter involving an old credit card in which the bank (Bank of America) ceased contact with me years ago. I somehow managed to forget that I still had a balance with them, so the debt was turned over to collections...etc. etc. It turned out to be a good thing for me because this company negotiated a settlement payoff that was about 1/4 of what I actually owed with tons of interest and fees. This call may seem strange at first, but my advice is to speak with them when they call. You may be in same boat I was in and have some old debt out there that is dragging your credit score down. I should also say that both people that I spoke with were very friendly and patient...something that I did not expect.

No it is not, got same threating called when asked to ID herself told me I was a deadbeat and hung up phone. If any one have info concerning her company please reply ASAP

got the same call.....anything come up from it??  I am located in Texas, are you as well?   Before a Ms. White called, kept getting calls from a Mr. Morgan.....never left a company name!  I called number back and he answered, also WITHOUT a company name....  do you think it's legit???

"Miss White" mentioned something about needing my comments. Didn't give any company name other i.d. but mentioned something about my county courthouse.