These people are debt collectors for cash net USA. Peter Sumter will tell everyone he is a attorney, but he is NOT. He barely made it out of high school. If you don't repay a payday loan it is not criminal, it is civil. They prey upon peoples fears to collect debts,which is against the law. If they try to intimidate you please contact your attorney generals office in your state and file a complaint

I really don't understand why all the complaints from everyone??
My experience was great with resolving my claim. I spoke to manager Peter Sumter and he wrapped my claim up with zero issues. I'm sorry I'm going to have to disagree. Thanks to CDR I'm on the right track to fixing my credit.

File a complaint guys ...

https://www.bbb.org/consumer-complaints/file- ... name/CDR/14127/

These CDR freaks are harassing my sister but won't tell her who she supposedly owes.  They call her work, home and sister everyday-totally unacceptable.  And the dumb lies they tell are insulting.  A lawsuit is in the works!!!

I also received multiple messages from CDR.  When I spoke with them, I was "uncooperative" because I would not pass along a message from them to my sister-in-law.  The man I spoke to was very rude; I called back to ask to have my phone number removed, but I still received a call the next day from a woman that I again told I would not take a message for someone that did not live in my home.  She told me I was "just wrong."  I called back and was finally passed on to a higher-up that gave me the address of where to mail a cease and desist letter:  CDR, PO Box 1275, Orchard Park, NY 14127.  Hopefully this helps someone else.

These people called my house looking for my son and said that they got the number from my son. they also stated that they wanted to talk to my sons attorney? I told them not to conatct me again and if they needed to contact me DO IT BY MAIL which is the law. You have the right to tell them not to call you number and to contact you by mail and they must agree. If not Sue the &FUIpO* ^&)OG.

you guys are friggin debtors..why dont you just pay your bills and stop avoiding them every chance you get?????

When I ran a search on CDR's former name, Clear Debt Solutions, in the Buffalo area, I found this posting with a similar address and similar phone and fax numbers:

Clear Debt Solutions
Phone: 877-572-7572
     716-831-9670
     877-268-9286            
     888-774-1338
     877-268-9286    
     716-957-3005
     716-694-5970
Fax: 716-694-5972
Fax: 716-831-9679

(A part of the Mackinnon group of  collectors)
4244 Ridge Lea Rd., #6
Amherst, NY 14226
PO Box 216
North Tonawanda, NY 14120

Web Address: www.vision-credit.com

Pretending to be Attorneys: Brewer, Michaels and Kane

Head Debt Collector:
Jamie P. Belstad, President
Jon Hummel
Chris Morrow, Director of Operations
EVP John D. Yim

www.tri-financial.net

Vision Credit Solutions, LLC
Aka/CNE Associates, LLC
Aka/Tri-Financial, LLC
888-580-4441 (CDS)

Here we go again?another slimy, illegal bottom feeder operation has popped up in Buffalo, NY trying to collect on old, worthless, out of statute debts. Owner Jamie P. Belstadt, a retread of the collection business is trying to collect on debts that are 8+ years old. The documents we saw appear to have been produced by a second grader.

John D. Yim, 36, of North Tonawanda, NY, Vice President of another junk debt buyer called CNE Associates; LLC is churning out the phony documents. Vision Credit Solutions, LLC and CNE Associates, LLC show NOT to have any debt collection license or Surety Bond in any state we checked.

In his phony paperwork, collector Yim refers to the consumer as a ?defendant? which appears to violate federal law. His ridiculous form would be better suited as toilet paper than anything worthy of validity. It is pure garbage, nothing he states is true, he makes statements that false, misleading and appear to violate federal law, the Fair Debt Collection Practices Act.

All of these bogus organizations are nothing more than smoke and mirrors to intimidate, harass, lie and mislead consumers into thinking they owe money on worthless accounts. This is typical ?Buffalo Style? debt collections that we?ve seen dozens of times.

These organizations are operating illegally, the accounts have no validity, and the statements they make are false, misleading and ripe with lies. John D. Yim has no idea of what he is doing; Vision Credit (started April 2008) and owner Jamie P. Belstadt are as illegal as all the other affiliated organizations collectively known as the Mackinnon group out of Buffalo. See www.giovelawofficeexposed.com.  

FYI, Scum Bag Jon Hummel has changed his name again to:

BREWER, MICHAELS & KANE, LLC
665 OLIVER STREET
NORTH TONAWANDA, NEW YORK, 14120
Phone: 888-774-1338 716-694-1726
http://bmkane.net/

He has a couple dozen judgments sitting out on Tri Financial with no intent of paying them.

Warn your readers not to send them any money.

http://www.budhibbs.com/debtcollectorpages/tri_financial.htm

And here is the Buffalo NY region Attorney General complaint form to file a complaint regarding this organization to have them investigated:

http://www.ag.ny.gov/bureaus/consumer_frauds/ ... o_complaint.pdf

Also according to the State of NY business registration site:

Cred X Debt Recovery LLC was registered in 2009.

Its name was changed, and previously in 2008 had been Clear Debt Solutions, LLC.

http://appext9.dos.ny.gov/corp_public/CORPSEA ... _results_page=1

They are:

Cred-X Debt Recovery (CDR) Solutions
4252 Ridge Lea Rd., Suite 106
Buffalo, NY  14226  (they also are listed with same address/zip as Amherst, NY on other listings)

They have an "F" rating with the Better Business Bureau with numerous serious complaints:

http://www.bbb.org/buffalo/business-reviews/c ... o-ny-235960969/

Send a signed and dated cease and desist letter by certified mail to them telling them why you dispute the debt, demanding that under section 805c of the Fair Debt Collections Practices Act, you are asserting your right to no longer be contacted by them by phone, email, at work, or through the illegal harassing act of contacting friends, relatives, and other unrelated parties which is punishable by law (tell them you have proof of this harassment and are informing the Better Business Bureau, Federal Trade Commission, State Attorney General, and other appropriate regulatory authorities).  If they have made threats over the phone, make clear what those were.  Also, make it clear you have consulted an attorney, and not only is it illegal for the company to harass you and contact others in relation to you, but individual collectors can be help personally liable according to the law.  If you know the name of who you spoke with or who sent you a letter, include this contact's name (although it may not be real).

You may also request a copy of any claims they allegedly have be mailed to you and demand that any future communication be in writing.  Include no identifying data in this communication such as SSN, account numbers, etc., only details of the claim they allege and the address or phone they have been contacting you at.  

Put cc's in bold at the bottom of the letter, and send a copy of your letter to the Better Business Bureau IN THEIR REGION (let agencies know they are masquerading as CDR as an added note on their letters, since a search for CDR on the BBB web site does not reveal them), to the State Attorney General (www.nydebthelp.com), and to the Federal Trade Commission.  

CDR has provided fax numbers in the past of 716-833-4356 and 716-218-1501 that came up registered to a Boris Vidovic (related to a Vesna Vidovic) once listed at 82 Leonore Rd., Buffalo, NY 14226 (not sure if current address).  He is listed as living in both Buffalo and Amherst, NY, as well as Richmond, VA.

As such, there is a good possibility he is also related to the following collection company, using both an Amherst address above and Buffalo address for similarly named collection companies:

CredEx America, Inc.
5500 Main St., #224
Buffalo, NY  14221 (also uses same name, address, & zip but as Williamsville, NY)

You may wish to send a copy of the letter to both locations and inform the authorities of this also.

Even if you have a valid debt, make them provide proof, and they should NOT be excessively harassing -- it is especially illegal for them to contact relatives and friends in an attempt to threaten you, and there are multiple fines and possible legal punishment.
------------------------------------------------------------------------------------
More info from the State of NY business registry (not Niagara County, although Buffalo listed previously is Erie County I believe):

Current Entity Name:     CRED X DEBT RECOVERY, LLC
Initial DOS Filing Date:     JUNE 23, 2008
County:     NIAGARA
Jurisdiction:     NEW YORK
Entity Type:     DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:     ACTIVE


CRED X DEBT RECOVERY, LLC
4252 RIDGE LEAD STE 106
AMHERST, NEW YORK, 14226

Registered Agent
NONE

This company is very rude and won't help you at all when you have financial difficulties. They even called my inlaws and yelled at them about calling an attorney general. I've made 2 payments already but I'm just sick of them making threats. I don't know what I can do. I've dealt with debt collectors before and Bennett paying my debts but this company is truly in its own category.

Called regarding a debt that had already been paid.  But argued with me saying that even though I orginally owed $150, I now owe over $2500 due to interest.  The first phone call I got was in January of 2009 stating that I have 48 hours to pay what I owe or else they are taking me to court.  It is now October of 2011, and needless to say, my 48 hours were up a long time ago and they continue to call twice a day and leave the exact same robo-message stating that I have 48hrs to reply.  They obviously don't have any legal rights to do anything or else they would have by now.

i  returned a call to them  and they wanted the last  4 of my social. i would not give it . I asked what type of company  and  one rep said i dont have to talk toyou and hung up on me.. yes i said hung up on me.  so i called back  the next rep was just as nasty and rude.

You are mislead. This company is pure evil. I know this because I sued them and won. THey are low lifes and losers.

This company is a scam at there worst. I had a $300.00 loan they told me I owed $1750.00 on after 1 year. I did some research on this company and they are nothing but lies and scams. My attorney said that it is illegal for them to jack the balance up to $1750.00. Dont trust them, they are liars and thieves.

How long have you worked there, shill? Is this site making it hard for you to trick people out of money on the phone? Must be! Glad to hear it!

this company is great. they helped me out alot.ask for mr. sumtner or jeff.

ive been dealing with them on a regular basis now....ive changed home numbers once allready....they repeatedly call me at work....and they have started calling my friends number....will start process next week to sue them as they picked the wrong person to mess with

i am receving calls also from 8555467300  same company  it has to do wsith my father  they have my number and my wife parents num what can i do to stop them from calling me

Obviously the people who are sticking up for this company, also work for them.  

They are a bunch of money hungry losers who are trying to collect on zombie debt.  Don't answer the calls, don't believe their threats and NEVER send them money!  Ever.  They are a bunch of clowns and they use hardball tactics to get people to pay debts that they aren't legally obligated to pay anymore (passed the statute of limitations).  Check your state and see what the statute of limitations for collections are.  It's from the time you are first delinquent - say March 2003, if they haven't collected on it by March 2009 (depending on your states laws) it is considered passed the statute of limitations and if they try to take you to court - inform the judge that they are passed the statute of limitations and they will drop the case.

Educated yourself and don't let anyone try to intimidate you.

IF Yoou Get A Phone Call By Them DONT GIVE THEM ANYTHING if they repeatedly call you SUE . Easy.

They are calling me every 30 minutes with threats. They say it is fraud to not pay all monies due on a payday loan. I spoke with a attorney and he said it is like any other debt. You made a promise note and because of your income, could not pay all of it back. They told me"we have info on your checking acct and will use it) not sure what ? Anyway there are legal things these high pressure collection companies must follow. One of them is no threats!!!

Tell them that since they have caused you massive financial hardship, all you can afford to pay them now is $1 per week... then stick to it.  Pay them NO MORE than $1 per week.  DO NOT agree to pay any more and do not let them threaten you with any for of intimidation.  They have NO power over you.

I received a call from them.  Send a certified letter cease and desist letter you can find an example on www.budhibbs.com.  Will cost about $4.00, they have to stop.  Ask them for their address, they must give it to you by law.  Do not send them any money.

Leslie u make a valid point yet u are sadly mistaken, if u listen to the wording used by the collector who contacted you they will state that cashnet will persue and not cdr, cdr is just the middle that tells the loan company that u refuse to pay and then the company u took the loan out with will persue you. and they have not broken the law by calling your work. you listed your number on a legal document and also your work number and place of business. in turn signing over the right to deny phone calls to those numbers. its not called a reference number for no reason. by listing that number u gave cdr full rights to contact that number. on the legal document u signed electrnicaly it clearly states that if they r unable to contact your personal number they may leave messages and or contact the other numbers listed in order to get in contact with u...you gave them the number and gave them the rights to call it. also it is limited to 1 call per number per day unless contacted by the individual. so i assure no law has been broken

they r not empty threats, they statethat they will mark ur case as refuse to pay and then turn it over to cashnet and cash net will then sue and persue you for not only the debt but much more. that is y they are billionaires today. this forum is just putting more and more money in the pockets of cashnet and they love it, they love when you hang up on a collector who is trying to assist u. the is a statement from one of the clients of cdr, pay the loan and it helps,


these people helped me tremendously! They worked with me and gave me a payment option. The company I originally borrowed money from was a nightmare. They destroyed my credit and my bank account had to be closed. Thank you CDR and Mr.Seeger

T­homas Klaum

They kept calling my place of employment non-stop and threatening me constantly now I have agreed to pay the balance of $615.00 in payments although I paid the other day $415 dollars in which they gave me and told me verbally that I can pay the remaining balance by the end of March and now they called me and said they are taking the money out of my account tomorrow morning in which I told him not to do that until I call him back and tell him too, but I also said I need to wait couple more weeks to pay it. It started with me saying okay I can pay $200 then he said $300 I said that is pushing it but I said okay that's fine then by harassing me and making threats he pushed the limit to $415 and now I my account is drained out. I don't know what to do about them taking the other $202 out of my account because they don't seem to understand anything. I am extremely worried anyone have any advice?

I received a rather demanding and threatening phone call a few minutes ago.  Nobody at this number has any unresolved issues that I am aware of.

This companies name is CDR Credit Debt and Recovery.They have called me from an unpaid pay day loan I have. They lied saying that I will be sued by this office and that I can speak with the attorney. After paying them 1500 dollars and them still asking for more I decided to start asking questions. A guy named Peter Sumpter has told me repeatedly he is a lawyer and now recanted saying he is only an assistant. Now they are saying they do not sue, that another company does. Be careful they have broken the law by continuing to call my work even after I have told them to stop. I will finish paying the remaining amount they are asking for but I will forward all documentation to a firm to stop these guys. Make sure you ask questions and know your rights.