I recieved a very threatening call from cathrine montoya. After she phoned my daughter asking for my phone number. I returned the call to be thrown threw every possiable phone line this co.  ccr and a**. has. Every voicemail box was full. They also threatened to report me to my county for fraud.

Yes, got the same call. Some threatening and intimidating talk of "making decisions without your knowlege" and "person of interest in a pending case".

I strongly suggest that you record, save, and subsequently report these people to your local Attorney General. Threatening calls like this and making this sound like legal action is being taken completely violates the Fair Debt Collections Act. Especially the fact that they are trying to insinuate that you are facing criminal charges.

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.

Again, Caller ID reported (716) 206-0676 - Lady that called gave 888-872-1568 ext244

I WAS JUST CONTACTED THIS WEEK MYSELF, MESSAGE LEFT ON ANSWERING MACHINE CLAIMING THAT A LAWSUIT WAS PENDING AGAINST TO BE FILED IF I DID NOT RETURN THEIR CALL THT DAY EVEN GAVE A CASE #. I RETURNED THE CALL AND THEY GAVE ME DETAILS ON AN OLD PAYDAY LOAN FROM 2006 THAT I HAD DEALT WITH THRU A DEBT CONSOLIDATION COMPANY AND THEY DEMANDED PAYMENT OF SOME $700 AND SOME ODD DOLLARS OR I WOULD HAVE THE CASE # FILED WITH MY COUNTY COURT HOSE AND HAVE SOME $2500 ADDITIONAL FEES TACKED ON FOR COURT FEES. NEVER HAD ANYTHING MAILED TO ME HAD NEVER HAD A PREVIOUS PHONE CALL FROM THIS CCR & ASSOCIATES. WHILE SPEAKING WITH THEM THEY CALIMED IT WAS A LAWSUIT OF FRAUD AGAINST ME WITH THIS $350.00 PAYDAY LOAN THAT I NEVER DENIED OWING BUT WENT THROUGH DEBT CONSOLIDATION TO DEAL WITH THAT I AM STILL PAYING ON MONTHLY. I HAVING JUST WALKED IN FROM WORK AND PANICING OVER IT, AGREED TO SET UP PAYMENT FOR A REDUCED AMOUNT OF $498.00 FROM THE $700 AND SOMETHING IF I PAID IN TWO PARTS NO LATER THAN END OF sPET. 2009,THEY PUT ME ON HOLD CLAIMING TO BE CONTACTING THE ORIGINAL CREDITOR TO SEE IF THEY AGREED AND CAME BACK ON THE LINE AND WANTED PAYMENT INFO. I GAVE MY DEBIT CARD INFO TO THEM STILL IN A STATE OF PANIC. NOW A FEW DAYS HAVE PAST I REALIZED SOMETHING IS NOT RIGHT ABOUT THIS. AFTER RESEARCHING THE COMPLAINTS AND COMMENTS ON SEVERAL DIFFERENT WEBSITES I REALIZED THAT, YES I THINK I JUST GOT TAKEN OFF GUARD AND KNEW I WAS STARTING TO SMELL SOMETHING VERY FOWL ABOUT ALL THIS CALL. wAS TOLD I WAS TO RECIEVE PAPERS IN THE MAIL ABOUT THE PAYMENT AGREEMENT TO SETTLE BUT THEN REALIZED I WAS NEVER SENT ANYTHING TO BEGIN WITH, YEAH, I THINK I BETTER CONTACT MY STATES DA, MY CREDIT UNION AND CANCEL MY DEBIT CARD, FILE A COMPLAINT AND WHATEVER ELSE I NEED TO DO AND CALL THIS CCR & ASSOCIATES BACK AND DEMAND MORE INFO ON THEM AND THE DEBT I NEVER DENIED I OWED AND THEY REFUSED TO TAKE PAYMENT IN FULL FOR AT A LATER DATE RATHER THAN TWO SPLIT PAYMENTS. FIND IT AMAZING TO THAT I TOLD THEM I'M PAID ON A FRIDAY ONE DAY AFTER THE DAY THEY DEMANDED THE FIRST PAYMENT TO BE PAID, ESPECIALLY SINCE I WAS, THOUGH OUT OF PANIC IN FEAR OF A LAWSUIT, WILLING TO PAY THE AGRRED AMOUNT IN FULL AT THE END OF THE MONTH AND THEY REFUSED. SO I GUESS I JUST GOT BAMBOOZLED BY A DEBT COLLECTOR. SHOULD HAVE KNOWN BUT I'LL BE DAMNED AFTER FINDING OUT ALL THAT I DID THAT THEY WILL GET A PENNY FROM ME OFF MY DEBIT CARD. I SHOULD HAVE KNOWN BETTER. I DO NOW. BUT KNOW I AM DEBATING ON CLOSING MY DEBIT CARD BEFORE THEY TRY AND TAKE MY MONEY.
THE NUMBER ON THE CALLER ID WAS CAPITAL RECOVERY 716-206-0678 THE INFO LEFT ON THE ANSWERING MACHINE TO CALL BACK WAS CCR & ASSOCIATES 1-888-872-1568 EXT 244

Even though this company may possibly have business with myself they are calling family members before contacting me personally. They are leaving disturbing messages in their voicemails and upsetting my mother and sister. My mother is elderly and ill and this message had her extremely upset. According to this message the company is CCR and Associates. They are saying I am the soul person on this case and giving a case number and saying it has something to do with defrauding. I dont know if it collections making it sound as if they are a legal firm but I do know it is upsetting my mother badly. If they have business with me then they need to call me not anyone else..