Thank you for the information.  I have started keeping a file with photographs and recorded messages.  An attorney friend of ours has agreed to look at our file that we are building and consider taking it on a contingency basis.  I have no problem paying debts that I factually owe.  But this company has shown us no evidence of an owed debt and we are suspicious that if there is in fact a legitimate debt that it may be my husband's ex-wife who owes it.

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/

Follow the steps in what you need to know. Also report the stalking to the LE.  Keep taking those pics, keep any messages and definitely keep any and all messages left on the answering machine. Record any conversations with them (see your states recording laws first) and get that cease & desist letter out via US certified or return receipt mail. If you need to, seek a FDCPA/TCPA Attorney.

This number is for Commercial Recovery Systems in Plano/Dallas, Tx, a collection agency with very shady, and often illegal practices.  "Dustin Vidal" has been calling our house, and now has started calling our neighbors (most of which we don't know) telling them that he has a lot of money for us and needs to speak with us asap.  They have also sent someone to our front door, and a suspicious vehicle has been parked on the street in front of our house numerous times with someone sitting inside the car just watching our house.  I have photographed the car and driver and reported the tag number of the vehicle to local law enforcement.  I feel very threatened as I have small children that I am afraid to allow to play outside.  They have provided no evidence that we owe a debt.

I also received a call from Mr. Dustin Vidal from CRS. In response to the earlier post, he is the "tough guy" for CRS who came on the phone after I explained to the first agent that this was a time-barred debt that was charged off years ago (and was actually part of divorce as well). Dustin proceeded to yell at me (telling me I was immoral for relying on the statute of limitations and other facts). During his screaming rage, he assured me no less than 5 times that I was on a recorded line; however, once I requested a copy of the "recording", he couldn't (or wouldn't) tell me how to obtain a copy of the same.  I was transferred to a supervisor, Anna, who - in her defense - was much more professional although still unable to assist me in obtaining a copy of the allegedly recorded call.

During the call, Dustin Vidal asked me if I was familiar with the FCRA. Had Dustin done any research, he would have realized that I am a consumer finance attorney and very well aware of the FCRA and FDCPA. Dustin blatantly lied multiple times about the FCRA as well as the FDCPA. I feel awful for people who are not educated in their rights as they would be truly scared based on the lies and threats that I personally heard.

I fully intend to follow up on this and seek a recording of the call although I am sure it is not recorded or they will conveniently lose this. For those of you who have recordings of messages that are abusive, harassing, or contain threats and lies, I encourage you to save the same. There are numerous attorneys or consumer financial protection agencies that can and will assist you.

I am certainly in favor of settling debts and paying back what is owed but everyone and not just the debtor should play by the rules.

Dustin Vidal just called me looking for my mother. Asked what this was about and he said it was not a legal matter, just wanted some clarification. Said he would be in the office until 6pm, after that, this "matter" would be out of his hands. What a crock

He must be their tough guy, they are looking for my ex and all this douche wanted to do is argue and threaten me. Yeah, he has my phone # and I gave him my addy to come visit me, doubt he will. BTW, this so called debt is prob more then 5yo.

A man by the name of Dustin Vidal called asked me to verify my phone number. When I asked what the call was regarding he said he could not say anything unless I verified the social.  I hung up the phone and he called back twice leaving a message saying that if I do not return the call by noon the following day then "this matter", whatever this matter is, would be out of his hands.  He had my married name and asked me to verify my maiden name.

The company calling from this number is Credit Recovery Systems. Thanks to the information provided here (in Alfalfa's post above), I learned who they were and about the many ways they break the law, in an effort to pad their pockets.

Do yourself a favor, if they call you--read the comments posted above in the link. I posted at the end of that link, too.

I'm in CA. They were calling from Texas, but seemed to have contracted someone (a fly by night paralegal service) to also start calling. I guess to make their veiled threats MORE threatening. As logic would tell anyone that a company in another state can not file any court papers against you, unless they are represented in your state.

Sadly (for them) the debt they purchased, is long past the statute of limitations to sue, in our state. So their threats are nothing more than that...threats. Attempts to bully and harass unknowing consumers into paying them. We've been through this before, and know better.

For any reading this who are not well versed in your rights, as pertaining to debt collections:

If you are in doubt (or fearful) of anything they say to you, do contact a consumer attorney immediately to learn your rights, etc.

http://naca.net/

It is important you obtain a consumer attorney and not just someone you find at random in your phone directory. A consumer attorney is well versed in the laws that protect consumers from bottom feeding, junk debt buyers (like CRS is). Most attorneys (who are not consumer advocates) would just advise you to negotiate w/these losers, pay the debt, or worst....file bankruptcy. None of the above is necessary. But it is necessary to learn your rights, and talk w/someone who can tell you how to protect yourself.

http://800notes.com/forum/ta-6f5aba6d1354966/ ... reatening-court

Hey I got the same message on my phone from almost the exact same number, except one digit different. They said the same thing you posted. This person called me twice this week leaving this message about a complaint.

This large-assed  hippo wanted to let me know there is something (can't understand her with all that cake in her mouth) filed and that my attorney or myself needs to call her.  Imagine someone like this douche assuming that it has the correct party, and they leave a voice message for the poor guy.  I guess they allow these clowns to do this in Texas.  They think they can call anyone's cell phone and leave random messages. Jerks.  They must think people won't research them.