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Commercial Recovery Systems Collection Agency Harassed Us, Consumers Allege

Commercial Recovery Systems (“CRS”) violated the Fair Debt Collection Practices Act (“FDCPA”) by threatening to sue consumers, obtain liens, judgments, or garnish wages without any intention of doing so according to consumers who filed FDCPA lawsuits. Consumers also alleged that CRS disclosed their alleged debts to other people including relatives, employers, and even landlords. Several consumers alleged that CRS’ representatives harassed, abused, belittled and even cursed at them.

For important information about CRS’s bankruptcy filing and the Federal Trade Commission’s Permanent Injunction against CRS, go to Page 2 of this article.

Although the factual allegations in the Fair Debt Collection Practices Act lawsuits described in this article are just that — alleged facts which never were proven in court — the consumers allege violations of the FDCPA which, in my personal opinion, are unusually severe.

The FDCPA lawsuits filed by many consumers illustrate consumer’s rights and the limits of protection under the Fair Debt Collection Practices Act.

“Threatened Judgment”

An Orlando, Florida consumer alleged that Commercial Recovery Systems falsely threatened to get a “judgment” against him. The consumer alleged that CRS also suggested that he obtain an attorney and told him that he would be going to jail. Finally, the consumer alleged that CRS’ collector stated “You want to get belligerent? I will give you my address to come down here and take care of it?”

Collection agencies who make false threats that they will file a lawsuit, represent that they have filed a lawsuit, will obtain a judgment (without having the present ability and intention to sue), or threaten to immediately garnish a consumer’s wages (without having obtained a judgment), violate the Fair Debt Collection Practices Act.

“Family Business”

A Tamarac, Florida consumer alleged that Commercial Recovery Systems called her landlord on “multiple occasions” and, on each such occasion, disclosed the existence of the alleged debt owed by consumer.

The consumer stated that CRS’ representatives were abusive when they called her at work including telling consumer that she “would be crying by the end of the week.”

CRS’ representatives allegedly told consumer’s landlord that a “legal complaint” had been filed against consumer when no such complaint had been filed.

Consumer also said that CRS told her that if payment was not made CRS would pursue legal action against her and garnish her wages although CRS did not intend to take such actions.

The federal lawsuit also alleged that CRS even threatened to take consumer’s “family business” although consumer does not own an family business.

“Debt Validation Letter”

A Virginia consumer alleged that he received a dunning letter from Commercial Recovery Systems and was unsure whether he actually owed the debt because his father who has a similar name also had financial problems.

The consumer alleged that he called CRS and disputed the validity of the debt and requested proof that the debt was his because of the potential for confusion with his father. The consumer got the impression that CRS’ representative was not paying attention to him and would only ask when he was going to pay the debt until the conversation ended.

The consumer’s request for debt validation may have been ineffective because the consumer did not allege that he made it in writing within thirty (30) days of receiving his initial communication from the debt collector (assuming the debt collector mailed the “g” or “30 day” notice.

But, consumers may dispute a debt at any time and such disputes may be verbal although it is usually a good idea to put it in writing.

The consumer alleged that, a couple of months later, CRS began calling him at work a couple of times a day. According to the consumer, CRS called him at work and, after CRS asked him when he was going to pay CRS, the consumer inquired about the debt and requested proof that the money was owed.

CRS allegedly told the consumer that he did not have to show the consumer proof of the debt and the then used profanity by asking consumer why it was so “f@*#ing” important to show consumer documents evidencing that the debt was owed. Consumer alleged that he responded to this tirade by informing CRS that his employer did not allow him to accept such calls at work and requested not to be contacted at work again before he hung up the phone.

The consumer alleged that CRS’ debt collector called him at work again that same day around 10 a.m. According to the FDCPA lawsuit, CRS’ representative called and asked him whether he intended to pay the debt now and stated that he could do what he wanted to collect the debt and that there was nothing that consumer could do to stop him. Consumer allegedly repeated his request that CRS provide proof of the debt and stop calling him at work.

The consumer further alleged that CRS’s representative called him at work again two hours later and stated that he was going to make sure that consumer was thrown in jail and that it was a federal crime not to pay the debt. Consumer allegedly replied that he knew his rights and that CRS’ collector could not speak to him like this. CRS’ collector allegedly replied that there was nothing that consumer could do about it. CRS’ collector allegedly hung up the phone after consumer stated that he was going to contact an attorney.

Debt collectors who continue to call a consumer later during the day when they know that the consumer hung up on them violate the FDCPA.

“Cease Communication Letter”

A Virginia consumer alleged that Commercial Recovery Systems called her at work and at home for eight months. CRS’ calls often displayed as “unknown caller” on her caller ID.

The consumer alleged that when she spoke with a CRS representative, the representative refused to identify herself after the consumer expressly asked her to do so.

A Virginia consumer alleged that CRS harassed and abused her by taunting her, mocking her, ridiculing her, insulting her, and directing profanity at her.
The FDCPA lawsuit alleged that CRS’ harassing and abusive language included calling consumer a “punk ass ho”, a “deadbeat bitch”, and “deadbeat ho” who likes to “go out and get sh*t without paying for it”.

Collection agencies are prohibited from using :

profane, vulgar, obscene or willfully abusive language in communicating with the debtor or any member of his or her family.”

In my opinion, the comments alleged by the consumer would violate the FDCPA if proven true.

The Virginia consumer alleged that, following the conversation described above, she sent a letter to Commercial Recovery Systems requesting that CRS cease all communication with her.

The consumer alleged that, when a CRS debt collector called her, she reminded the debt collector that she’d already sent CRS a cease communication letter. According to the consumer, the debt collector persisted in attempting to collect the alleged debt, mocked the consumer for attempting to exercise her lawful right to request cease communication, and indicated that since consumer owed the money, CRS could and would continue to call consumer at her place of employment and anywhere else they could find her.

Although cease communication letters (also called “cease and desist letters) are often overused and misunderstood, I can appreciate the consumer’s frustration in attempting to cope with a collection agency that refuses to comply with a consumer’s lawful request.

Cease communication requests must be in writing and must request that the debt collector cease all communication.

Cease communication letters are distinguishable from requests that the debt collector stop calling the consumer while at work because it is either inconvenient or the employer has a policy which prohibits such calls — these requests may be verbal.

Pending “Legal Matter”

A Lakeland, Florida resident alleged that Commercial Recovery Systems called her mother at work and referred to a pending “legal matter” against consumer. Consumer alleged that she told CRS to “stop calling me, my mother, my coworkers, and my friends” and asked to be contacted only by U.S. mail.

CRS allegedly continued to call the consumer including a call to consumer’s employer’s secretary and left messages which referred to a pending “legal matter”.

The consumer also alleged that CRS left messages which falsely threatened to sue her.

“Lien Department”

A second Polk County, Florida resident alleged that he called Commercial Recovery Systems and requested that CRS provide him with the account balance and send him the letter setting forth his rights to request debt validation.
CRS allegedly refused to provide any information and told the consumer that his account would go to the “lien department” unless CRS received $ 110 before July 15, 2011.

The consumer alleged that when he informed CRS’ agent that he worked for the Department of Corrections, CRS’ debt collector replied “oh, where the criminals go, just like you”.

“Threats to Garnish”

In 2011, an Albuquerque, New Mexico consumer alleged that
Commercial Recovery Systems told her husband that CRS would file a lawsuit imminently, that consumer would be served process personally, and her wages would be garnished. During another telephone conversation, consumer’s husband asked CRS who the original creditor was and CRS allegedly replied that CRS was indeed the original creditor but in later conversations stated that the account was a credit card opened in 1999. After CRS refused to accept husband’s offers for payment arrangements, CRS allegedly referred to the “case number” and stated that court papers would be served very soon.

The consumer alleged that Commercial Recovery Systems has never even filed a lawsuit in New Mexico against anyone including the consumer.

“Another Threat of IRS Audit”

A Flagler County, Florida couple alleged that CRS’ collection agent not only falsely threatened to file a lawsuit against them but also falsely threatened to file a claim against consumers with the I.R.S. and impound consumers’ vehicle.

The FDCPA lawsuit alleged that CRS called consumers three or four times a day even after consumers repeatedly asked CRS to stop calling them.

Consumers allege that CRS continued to call wife at work although they both requested that CRS stop calling wife at her place of employment. The husband alleged that CRS’ debt collector yelled and cursed at him and told husband that he has the power to do anything. When husband asked CRS to stop calling his wife at work, CRS allegedly replied “I can do whatever the f**k I want because I have the f**king power to do anything and take anything from you people”.

Husband also alleged that CRS’ collector also left a message on his voice mail threatening to contact wife’s work place if she did not get a hold of him within the next 30 minutes.

“Yet More Abuse Including Threats to Issue 1099’s”

An Alabama consumer alleged that Commercial Recovery Systems’ representative falsely threatened him — if he filed bankruptcy, CRS would file a 1099 form on consumer and consumer would be unable to draw Social Security because the IRS and government would have a record of the 1099.

According to the Alabama FDCPA lawsuit, CRS responded to consumer’s refusal to send CRS the money immediately by Western Union by calling consumer a “smart ass”. Not surprisingly, the consumer alleged that he told CRS that the conversation was over and hung up. Despite this unequivocal statement, CRS called twice more that day and engaged the consumer in two conversations.

A couple of days later, CRS allegedly called consumer wanting to know how consumer was going to send the money. Consumer told CRS that he was not sending anything until he received an agreement in writing. According to the consumer, CRS’ representative complained that he would not get the money by the first of the month and told the consumer to send the money and he would send the agreement to consumer. Consumer still refused. CRS’ representative alleged said he would fax the agreement where consumer could go and pick it up but consumer refused because he did not want his personal information faxed anywhere. The FDCPA lawsuit alleged that, at that point CRS’ representative got mad and said “Keep your f—— money, I don’t give a d–” and hung up on consumer.

The FDCPA complaint alleged that CRS called him because the caller understood that consumer had a problem with the representative who called him recently.

The caller transferred the call to a lady who send that she would send the consumer an agreement in writing if consumer would go through with the offer that he made to the previous representative. Understandably, the consumer alleged that he told the lady that he was not sure what he needed to do now and that he may need to get an attorney. Plaintiff said that he asked her who she worked for and she said Hyundai Motor. (The account was a Kia account). Consumer alleged that he asked the lady if she worked for Hyundai and not a collection agency and she replied that she was trying to collect the debt for Hyundai. The consumer said that he asked her who she worked for again and she finally said “Commercial Recovery Systems.”

For more information about FDCPA lawsuits against CRS and CRS’s Chapter 11 Bankruptcy, click on the link below to proceed to PAGE 2 using the button at the bottom of this article or click HERE.

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{ 123 comments… add one }
  • Mr. C. December 14, 2011, 10:05 AM

    I have been dealing with these clowns since my truck was repo’d this year. They have threatened me and my family with all of the above. I suffer from depression and this has magnified since their threats have become more and more severe. I live in XXX and have nowhere to turn. I believe they are falsely trying to obtain a debt that I do not owe and I already paid them a partial amount over the phone which I never received any confirmation or receipt for but I do have a bank statement. I recently got a letter stating that they will garnish my wages if I did not pay. All I receive is Veteran’s Affairs pension which isn’t enough to even keep me going. I don’t know where to turn.

    • Don Petersen January 22, 2012, 10:28 PM

      Mr. C : Unless CRS’s client already has a judgment against you, no one should be threatening to garnish you for a motor vehicle repossession deficiency. Unfortunately, many consumer ignore lawsuits and creditors obtain judgments against the consumer which are usually very difficult to overturn. Fortunately for you, CRS is probably lying about garnishing you or even suing you. Please complete the Collection Agency Harassment form and I will be glad to contact you and refer you to an experienced FDCPA lawyer in your state.

  • Mr. J January 9, 2012, 8:34 PM

    Robert Marano from commercial recovery systems is threatening us also. He is stating that we knowingly signed a mortgage loan that we would live in it as our principal residence and not as a rental property . We signed a lot of documents and it was in the fine print and now he says we are criminals and owe approximately 50 thousand on a house we have tried to short sale or give back to the back in a deed of lieu . The original loan company XXX has charged off on the account and we still are trying to sell the house. The last statement from CRS says we have two days to pay off the loan and this our final notice.

  • Kandace February 1, 2012, 9:40 AM

    I have been receiving calls from CRS saying they are going to serve me legal papers. They are also calling relatives and friends and disclosing information. But when I asked what it was for, what company I owed and where they are located they would not give me info. They said I owed 812.22 but I could give them a check by phone for 500.00. I told them to serve me the papers. Never get anything, then they call again about a month later with the same threats. I’m all for paying any debt I owe in an honest manner, but I want documentation what I owe and who I owe it to. And to call friends and family telling them I owe a debt or am being taken to court is not right. They had my parents freaked out that I was in big trouble.

  • b February 22, 2012, 9:05 PM

    CRS contacted me today at my parents home indicating they were “officer” xxx. When I called back and got another rep on the phone they told me what the deal was and I let them know I am not in a position to pay this right now xyz is why. The rep belittled me, threatnd w/ a 1099 and again called me names. When I asked his name he refused, when I asked why he used such terminology he stated the exact definition. I asked to cease contacting my family he said “it’s just not that easy”. I informed this rep that I have worked auto finance collections for a large banking corporation and that I know what the balance is for, do not call my parents again and hung up. The phone # I have is not listed it is 800-214-5323.

  • D March 14, 2012, 5:02 PM

    “Mr. Perez” called me today AND called my friend’s parents. He harassed them and harassed me. I have never spoken to them and they are furious. When I called “Mr. Perez” he called me belligerent for refusing to verify my social and hung up on me. When I called back he answered rudely and when I told him I would be happy to tell a judge how he was harassing innocent people he screamed at me and told me I would be going to jail before hanging up again. How can they get away with calling innocent people in matters concerning me?

    • Don Petersen March 14, 2012, 5:10 PM

      D – Thanks for sharing what happened to you and your friend’s family. To answer your question – debt collectors often “get away” with violating the FDCPA because it’s in their financial best interest to violate the law. If enough consumers sued them for blatantly violating the FDCPA, the cost of “doing business” (their way of “doing business”) would be great enough to deter them from many of their violations. So, it’s up to you whether they “get away” with it.

  • James March 21, 2012, 3:10 PM

    I’ve been harassed by these people for athebout 3 weeks now and It’s been the same guy everytime either going by Rick Williams or Douglas Cash and they’ve been saying that they’re gonna file a 1099c and get my tax return and now they’re throwing my account number around on voicemail saying that they’re going to put lien on my mortgage both of which I figured out they can’t do. Now today the same guy calls me and leaves an 800 number saying he’s with my mortgage company and I needed to call him back on a matter concerning my mortgage and I have every last voicemail saved.

  • Karen April 8, 2012, 11:01 PM

    I had a dealing with them a few ago, call came from anynomous number, she never would tell me who she works for just said legal department and wanted me to know w process server will be coming to my work to serve me with garnishment papers. But if I gave her my checking information to make payments she may could get a deciss on me being served. I told her I wanted proof the the debt sent to me she emailed me on plain paper your bill is 23000, I thought wow these people really think I am stupid. After that I told her to only contact me in writing no more calls and she will not be getting my banking information. *** I told her if I get served then I get served but until I do I dont believe anything she is saying. I dont know of any business that is going to call you and say hey we are serving you, they just do it. I phone the court houses and no judgements have been filed against me and no one is trying to serve me according to the lady on the at the court house I was not on there list or have been to be served. So I believe it is a scam to just get my checking info and take what they want. I am not that dumb.

  • Shari April 13, 2012, 4:18 PM

    I have been constantly receiving threatening phone calls from CRS and they are frequently saying that they are going to garnish my wages if I do not send them $50. The company that is owed this money filed bankruptcy and they are currently out of business. CRS also told me to go to Chase Bank and deposit the money into their account once they give me the account number. I am very frustrated with these people calling my phone because from my understanding, I am not required to pay any money since the company received their car and they went out of business.

    • Don Petersen April 13, 2012, 6:02 PM

      The law concerning repossession deficiencies depends upon the state you live in. Although C.R.S. frequently threatens to sue (or implies that they will sue), C.R.S. doesn’t sue. Even if someone were to sue, I have to wonder how shop worn the file is. If a company who once held the note filed bankruptcy, I doubt the new owner(s) have adequate documentation to prove up the loan, the ownership, and entitlement to a repossession deficiency. You need to consult with an experienced FDCPA or collection defense attorney in YOUR state BEFORE you make the $ 50 payment.

  • tia April 24, 2012, 3:37 PM

    These people have been calling me for months now and I would ignore the call but today they called from a unknown number and I answered and once the gentle stated who he was I hung up and he called back and left a message stated now he has to take further action because I hung up on him. They are trying to collect on a loan that has been closed for years and because the car that was repoed was sold now they are trying to collect on it. When they first started calling they stated they would file a 1099 against me if I didn’t return the call.

  • Tonya May 8, 2012, 10:25 AM

    Another telephone number this company has used is 800214 5363. Since I called to request a number be added to their do not call list they have been calling me accusing me of harassment and threatening to sue me and the place I work. The caller, Marie Harris refused to identify herself or the company name. She told me, “You are nothing, you are nobody, I need to speak to the director of your facility.” She was calling me on my cell phone. She continuosly spoke over me and would not let me talk. When I requested that she allow me to speak to the attorney she just continued to speak rapidly and demean me. I am hopeful that something will be done about this company. I work with client’s who are diagnosed with mental illness and this kind of behavior on their part is unacceptable.

  • Daniel Stemple June 25, 2012, 6:34 AM

    I have received two phone calls from “Nina” regarding a credit card debt in my wifes name. I advised her we paid off our credit cards in 2005 and presently have no credit cards. She insisted that we last made a payment in February 2008 and “Why would you make a payment on something you don’t have”? She asked leading questions about my ssn, when I bought my house, other debts, etc. She threatened us with wage garnishment, tax liens, etc. I again advised her we have no credit cards (BTW, she first said it was a Master Card, then later in the same conversation referred to it as a Visa) and she repeated her threats to garnish our wages, tax liens, etc. , at which point I hung up.

  • Mr. S. June 27, 2012, 3:07 PM

    I had a car repoed in 2007, i called Citi Bank and they came and picked it up and resold it. this clown of a group is trying to charge me for the total amount of the loan and they are making threats that if i do not intend to solve the situation over the phone, I will be served.

    • Don Petersen June 27, 2012, 6:34 PM

      Mr. S. I urge you to consult with a consumer debt collection defense lawyer in your local community. If you fill out a Collection Harassment Form (see the right hand column of this page), I’ll be glad to provide you a resource to help you find a lawyer who is licensed in your state. You are wise to seek legal advise before you do anything with any collection agency (including but not limited to CRS). In Florida, I have not observed CRS suing anyone. Many of the account Florida residents have told me about are well beyond the applicable statutes of limitations. Again, consult with a consumer lawyer in YOUR state. It will be time well spent.

  • Jet July 20, 2012, 9:59 AM

    7/20/2012 – ya, their attempting to call my house too, probably on sum old cell phone bill again from year 1999/2000, that i’ve already straightened out , way back in 2002, this old bill keeps circulating around, from collection to collection agency ***

  • S Wilson August 9, 2012, 4:05 PM

    Add phone # 800-214-7858 and Toni Taylor to your list. I am an ex relative of the consumer they are looking for. I have repeatedly asked Ms Taylor to quit calling me regarding this and she has said she will but has not as of today. She called and was extremely rude and hung up on me. I filed a complaint with the donotcall.gov the last time they called and did so again today. If I can do anything else to put this company and CSR’s out of business let me know.

    • Don Petersen August 9, 2012, 5:33 PM

      S. Thanks for sharing your experience with C.R.S. The federal Do Not Call List does not apply to debt collectors. It applies to telephone solicitations, etc. Keep a log of the calls (see “Phone Harassment” on the tool bar at the top of this page) and consult with a FDCPA lawyer in your area. You may want to read :

      • Claudia January 1, 2013, 11:18 AM

        I too have been dealing with Commercial Recovery Systems, though I am not a consumer. The individual they have been harrassing me about isn’t even someone that I know. I have a recycled phone number and have been getting obnoxious phone calls and voicemails from these people. I have informed them many times that I do not know this person and that this is my phone number now, they have not ceased to call. Some months I will only hear from them 5-6 times, other months I will hear from them 10 times a day. I can’t get them to leave me alone. My voicemail box is full now because of messages from CRS. There is no getting through to these people.

  • Mike August 16, 2012, 6:52 PM

    I’ve been receiving robo-calls from them for on and off for about a year now on and off for someone else’s debt. I have talked to representatives on several occasions and told them I was not the person they were looking for and they apologized and said they’d stop calling which obviously didn’t work. I get a call every other day at random times from 800-214-7862 and when I answer its just a robot telling me to call back — and if I do it is once again a robot asking me to put in info and crap — never a person. I’ve also received a few voicemails from actual people at this company who threatened “me” and told me “I” had to pay my debt.

    My solution to this was to download [an] app on my Android phone and configured it so that when that number calls, it automatically answers then hangs up on the number. This way they can’t leave me voicemails and it only rings for half a beat.

    After reading this page it looks like I’m not alone. Let me know if there’s anything I can do to stop their harassment of me and others.

    • Don Petersen August 17, 2012, 9:33 AM

      Mike : If a consumer installs an app. which causes their phone not to ring normally may impair their potential claims under the TCPA. The $ 500 per call statutory damages normally kick in because the debt collector used an “automatic dialer” which caused a cell phone to “ring”. To learn more about the TCPA : http://www.fdcpa.me/can-a-debt-collector-call-my-cell-phone/

  • Ms. P. August 28, 2012, 1:24 PM

    I received a phone called from Wendy Smith from the Mediation Department of Commercial Recovery System. She told me I owe ***** to Triad financial and that she had until 1pm today to obtain a bank account from me otherwise she would authorize **** County Court to file a judgement against me and mess up my credit and take any assets I have away from me. I just got laid off and I told her I was unemployed and she was dismissive and told me she will start the legal paperwork against me to file the judgement and that as long as I am unemployed that they cannot garnish my check but once I start working my husband and I will be in jeopardy. Her number is 800-214-7838.

    • Mrs TSP November 21, 2012, 4:25 PM

      I have had a “run in” with Wendy Smith in the last week. Its over a voluntary repossession of a car that happened in 2009. She has been very rude, dismissive, and threatening. I have requested documentation and she has refused to give it to me. She has threatened to show up at my home with a deputy and take the pennies out of my pockets and take my belongings. She called me on Friday, 11-16 and said that I had until Monday, 11-19 to pay $2700 or she would sue me. The balance of the loan is $5700. She said she was going to garnish my wages but in NC you can’t for a car loan. Then said she never said it. I have even asked for documentation with her information on it and she will not send it to me. Wendy Smith is throwing out every scare tactic in the book. I reminded her of the FDCPA guidelines and was told that those dont apply to her. Someone needs to do something about these people and their unfair tactics.

  • Chad August 29, 2012, 10:10 AM

    Add 888-214-7864, and 888-214-7827

  • Dave August 30, 2012, 12:20 AM

    Both my fiance and I have been receiving harassing telephone calls from “Lana Carter” of Commercial Recovery Systems everyday for the last month. She calls saying that they have an afidavit to process against us for a judgement that was filed 10 years ago and that we have to respond immediately to resolve this before taking us to court. The funny thing about this is that I have checked with the county court where the judgment was filed, and they don’t own the judgement. We have both asked Ms. Carter to please send us something in writing (they have to do this within 5 days per the FDCPA or else it is a violation) *** and still have not received anything. Ms. Carter has called my cell phone on several occasions as early as 6:56AM and I have been recording every call she has made *** The judgement is not in my name yet she continues to call MY cell phone ***. When the arguments that we have had with Ms. Carter become heated, we hang up on her. She then calls us back from a private phone number letting it ring several times in a row ***. The first time that Lana Carter ever called us, she left a message saying that if we didn’t respond within five days that she would waive our rights and submit all court documentation ***. [I]t’s been over a month and still haven’t received anything in writing. [W]hen returning the first call Ms. Lana Carter answered that they were an attorney’s office stating that were going to file the court documentation unless we planned to settle. ***

  • Liz September 4, 2012, 12:27 PM

    Add to 469-453-8177 the list for CRS.

    A Mr. Perez just called, identified himself as being from CRS and Associates, and stated that he has a default judgement on me. How he could have a legal judgement against me when I have not received any notice from any court regarding any legal matters in years. It’s been my experience, unfortunately, that the courts sends their legal notices by certified mail.

    No identifying the original creditor nor did he identify himself as being from a collection agency.

    I didn’t answer because of the adversarial nature of the debt collectors.

  • Sonja September 11, 2012, 2:28 PM

    Add 800-214-7836. They called at 6:30 am and left a message telling me they were going to proceed with a garnishment with a company I haven’t worked at in 8 years due to a garnishment signed by a “judge of my county”. I have no idea who they are or what it is for but they do not answer when called back.

  • Angela September 12, 2012, 12:31 PM

    I received a phone call from a Mr. Emerson Abbott with a very bullish attitude. Like the others, he stated that a judgement was going to be executed unless I pay an alledged creditor. When I tried to ask him what this was about, he was very rude and said the name of a company that I wasn’t familiar with. I, in turn, started to defend myself at which time by saying I need more information, and he hung up the phone on me! I did call back on 800-214-7866, and he said he doesn’t have time to discuss this situation any further and that he expected payment from me by the end of business that day, otherwise he going to pursue the judgement. I said give me time to research this situation, he hung again. I finally realize that I need to get information on this business and I see that I’m not the only one complaining about them. Who would send money to a company without the proper paperwork!

    • Don Petersen September 12, 2012, 2:19 PM

      Angela – I am often surprised by how effective debt collectors’ threats of immediate garnishments, lawsuits, service of process, or other threats (such as arrest or charge the consumer with a crime) are in obtaining “immediate” payment. Obviously, the debt collectors do NOT want to allow the consumer to have time to investigate the validity of the debt collector’s claim or preliminarily research their rights on websites such as this one. I urge consumers to consult with a lawyer who is licensed to practice law in their state BEFORE they pay or even agree to pay ANY money to a debt collector.

  • Mmmkay September 13, 2012, 10:09 AM

    You say that CRS never sues. . By that, do you mean CRS does not sue in Florida? Or do you mean that CRS sues no one, no where in thr entire 50 US states?

    I ask because CRS’s website states, “CRS Delivers… A nationwide network of lawyers specializing in collections”

    • Don Petersen September 13, 2012, 10:49 AM

      Mmmkay : I read CRS’s website and noted their claim that they maintain a “national” attorney network. I have never observed CRS filing suit in Florida. Nor am I aware of CRS suing anywhere else. CRS may or may not file suit in other states. It is possible that CRS files suits outside Florida and that I’ve never heard about them. I urge readers who are receiving calls from collection agencies (such as CRS) to consult with a consumer rights lawyer who practices law in the state where the consumer lives. The advice consumers will receive in an actual consultation is far superior to generic information on an educational website including this site. Readers are welcome to contact me by completing the collection harassment form (in the right hand column of this page) and I will try to provide resources to help them find a consumer lawyer in their state.

  • Ms. K. October 12, 2012, 5:39 PM

    Last week I received a voice message stating that this company CRS had be retained regarding a legal matter, then several more auto dialed recorded calls on my home phone. So I call the number and provide the reference number and CRS rep states its in regards to a repossession from 2008, and its attempt to collect a debt, wants to know if I have an attorney. When I explain to her I am disabled and have limited funds, she proceeds to tell me they will garnish my SSDI benefits, then I ask her is she is an attorney , she states no but we have one in the office and proceeds to put me on hold. Then minutes later another CRS rep woman gets on the phone stating so I understand you waive your rights and unsure of what else she stated. I said excuse me, waive my rights to what, I told her then I do not waive any of my rights, and she goes on to proceed to tell me about garnishing my SSDI as well, and then I read off Sec. 207. [42 U.S.C. 407] and told her that could not be garnished then she said since you looked that up , look up Federal Tax Levy,and 1099C and that they will be filing a levy against me. At that point I was done with listening to her threats, and I told her you trying to collect on a debt that is nearly over 5 yrs old, and that the vehicle wasnt even worth what they are wanting, and said you should of thought about that before you bought it and I very well couldnt pay anything when I was near death and being hospitalized year in and year out on many occassions, that I was unable to work. She continued to talk over me, and I kept asking her to let me speak at that time I became enraged and informed her I did not want to received any more calls from them, she still kept cutting me off. I will admit I did curse this woman as she was rude, threatening and harassing. I finally had more than enough just kept repeating over and over , as she was talking to not call me anymore. Then to top it off this company is calling my parents in **** as well, ***.

  • Mark October 16, 2012, 1:08 PM

    CRS called me last week, telling me that they obtained a judgement against me for a debt and I owed $6000.00. I am always very careful to pay all of my debts, so this took me completely by surprise. They told me that they had sent a court summons to my house (they didn’t), and that because I “ignored” it, they took the case to court and won by default. When I asked about the original debt, they told me it originated from Sears for an amount of $3279.40 but that the amount ballooned after adding court costs and legal fees. I knew this to be false (I don’t shop at Sears, and always use a credit card anyway), but quickly got my 3 free credit reports, which all came back completely clean. The “service rep” at CRS whom I talked to was extremely belligerent, and as soon as I stated my rights according to the Fair Collection Act, hung up. I have yet to get another call from these people, but certainly will be recording it if I do.

    • Don Petersen October 16, 2012, 1:30 PM

      Mark – I urge consumers who are considering recording conversations to consult with a FDCPA lawyer who is licensed to practice law in their state BEFORE they do so. In many states, one party can record without the other party’s consent. In many other states (including Florida), the general rule is that BOTH parties must give prior consent. Wiretapping is a crime so it’s worth the slight inconvenience to consult with a lawyer before taping.

  • Ms. K October 16, 2012, 6:41 PM

    I received a phone call by a Ray Clark from CRS on 18002147866. He stated on phone message, on my husband’s phone not mine, that there was a court case pending in the county clerk’s office and that me or my attorney contact him. After contacting him, he stated that if I didn’t pay 2K by October 19, 2012 that it would go to the attorney Brad Boyd in VA to secure a judgment against me to levy my checking account or a wage withholding order. I asked him how is that possible to do such when we are not even sure this account was ours. I told him that I have responded by the FDCPA within the 30 days on all accounts for validition by certified mail. He said, that the last one, GE Money Bank said they did validate the account and send the documentation. I never received it. The last correspondence I had sent was Feb, 2012. He said they do have my signature on file, and I said I doubt it.

    After trying to get information, he said that after I called and harrassed him 3 x in a row to gather information, he told me that they would secure judgment in what he called Close Circuit Court since they were a corporation and other people’s privacy would be devulged. Since when did the court care? That is why we have rights to a trial.

    When I said I had talked to an attorney, and they said to get the information of of last payment, open date, and charge off, he gave me the dates which was one year different from the day before which was 10-7-08 as last payment…where he said the day before as ’07. Hum….then a few other things was said and he said I should secure an attorney.

    I did ask him to send me the information that was supposed to be sent to me, and he said he had ordered it, but doubt I would receive it by Friday, October 19. Hum….convenient. AND never have I received anything from GE Money Bank or their credit company attorneys.

    • Mrs S October 29, 2012, 11:12 AM

      Of all the comments/replies here my situation is exactly the same as Mrs. K here. With “Ray Clark” threatening to send the case to Brad Boyd if I don’t pay this ridiculous amount of money for some bogus HSBC account. I told him to send me the information in writing, then kept claiming there is no time. I will be served documentation, whether I’m at home, at work, at the grocery store, then they will garnish my wages if I don’t settle the amount! I remained calm and repeated, “Please send me the info in writing–“, when he interrupts me and yells “WILL DO!”, then slams the phone down! So I called back to also request he update my phone # since he was calling my boss’ #. Once again with his “will do” and hanging up. *** The phone # I was told to call back was 800-214-7866.

  • Ms. K October 16, 2012, 6:42 PM

    I was also told that I would not be permitted to be present to support my claim against theirs.

  • Ron October 21, 2012, 2:02 PM

    I’m getting calls from the same number as Mike. The phone is 800-214-7862. The rep goes by the name of Toni Warren….same story but thanks to this website I’m not sending them a dime and will contact a Lawyer ASAP.

  • Valarie October 24, 2012, 1:13 AM

    On October 8, 2012, I received a telephone message from a Lee Anderson with CRS regarding a debt that is owed by a relative of mine, not by myself. The representative’s name is Lee Anderson. In his message he threatened me along with my relative and indicated that I needed to contact him immediately or have my legal representative do so or legal action would be taken against me. He was very rude in his message and included me as if I owed the debt along with this relative and was somehow responsible for the relatives debt. This upset me so I called Lee Anderson back and told him that the person he was looking for did not live with me and never had lived with me and that I am not repsonsible for any debt incurred by this relative and to not call my phone number again or I would report him. He became very rude and told me that he was going to hang up on me because I had told him not to call me again or I would report him. He also was very pushy and was asking me if I knew the person that he was looking for and when was the last time I’d seen him and claimed that I didn’t know what he was calling about but I did. He made it very clear in his message that he was going to take legal action against me by filing an affidavit of complaint and getting a judgment against me for a debt that a relative of mine has that doesn’t live with me and I am in no way responsible for this relative’s debt. The relative is my brother. He then hung up on me and then on 10-9 and 10-15 left recorded messages for me on my phone that my relative needed to call him and on 10-22 left a message himself to call him but this time addressed it to the relative. This man is very rude and pushy. If you google my relative’s name his address and phone number come up and he lives about 175 miles from me and hasn’t lived in the area of the state I live in for over 20 years. I informed Lee Anderson of CRS not to contact me about this debt and that is not mine and he continues to call me and leave messages harassing me about a debt that is not mine. I have been writing down and documenting the dates he calls.. I don’t understand how he can continue to call and harass me after I’ve told him not to call anymore. The phone number that he leaves as a return number is 1-888-214-7864 as you mentioned on your site you wanted any phone number CRS calls from.

  • Sue S. October 25, 2012, 6:57 PM

    My complaint is with CRS Is they are harrassing my dad for a loan he got for my son on a motorcycle like 5 yrs ago ! The motorcycle was paid off and they continue to harrass my parents about it and getting my parents all upset ! telling my 80 yr old father was going to lose his car and house if not pd for! They were going to send a sherriff to their house and have them served with CRS to take his car or what ever they can to satify the debt !! This woman’s name is Morgan Richards at 800-214-7852 she called my parents house and threatened that with it ! My father and mother are very upset and really worried ! I called this woman and talked to her and she told me the same thing ! I asked her what this was in referance to and she told me …it was for a motorcycle for the cost of $9,716 but she would take and give him a settlement offer of $4,200 to take care of this debt ! My dad has been getting these phone calls for a few yrs it would stop for a few months then they would start in again with calling them 5 6 7 or even 8 times a day saying the same thing getting him all upset and my dad has a heart condition and Im telling you if anything happens to my dad from them calling him and harrassing him about this they will wish to God that they were a real attorneys office !! they need to stop doing this to people and scaring them ! Trying to get money out of people by threats !!

  • Tom October 27, 2012, 4:20 PM

    David Jones from CRS & Associates left a message that he had a case against me (not my name) and a case number. He asked me to contact them. Clearly a scam. Why can nobody stop these calls, they should be put in jail.

    • Don Petersen October 28, 2012, 2:49 PM

      Tom : Thanks for sharing your experience and your comments. If more consumers would sue CRS and other debt collectors for harassing or leaving messages with friends, neighbors, co-workers, etc., the industry would be forced to clean up its act. Until consumers understand that following through and suing the debt collectors is what helps us collectively achieve the results we want (i.e., debt collectors who comply with the laws), the harassment will continue.

  • Tonya October 30, 2012, 4:31 PM

    They have been calling and threatening to sue me over debt that is past the statute of limitiations. I know this because I have no bad debt in the last 5 years. No specifics given other than “we have a claimant with your social security number and your name, if you do not call us back we are going to sue you.” They are also harassing my parents even though they have told them to stop calling them. Jerks!

  • Amanda m October 30, 2012, 10:16 PM

    I am in a slightly different boat with CRS. I am contacting them regarding a judgement against my home. I am trying to sell and need a partial release on my homestead. The rep Paul S had done nothing but threaten me and tell me all the bad things that will happen to me. If I had pai him on the initial call it would have been a $9800 settlement but by hanging up his “system” automatically made the balance go up to $11200 in one hour. Really? When I spike with my attorney and called CRS back, he just told me how wrong everyone was. I told him that In the state Texas is this NOT allowed and CRS cannot continue to bullypeople like this. I told him my attorney would be sending a demand letter and do I needed his mailing address. He then told me he could not give me that and that another rep would contact me in 24-48 hrs. Still haven’t received that call– he never asked for my phone number.

  • Lewis October 31, 2012, 10:11 AM

    I have been harrassed by CRS # 1-800-214-7835 (among other similar numbers). They have harrassed my voice mail, called me at work, called my parents, called my ex-husband, and called the HR director at my work. Claims of garnishing wages, IRS leins, filing summons to my work, etc. They are RUDE people that will NOT answer any of my questions. Everytime I ask a question they hang up on me.

  • Luis October 31, 2012, 3:53 PM

    Just got a call from these people today TWICE at 8:30am PST stating they were “Check Enforcment” working for the government. They told me that I had violated the law in writing a bad check 6 years ago. They used my background as leverage and made me feel inferior. They told me that even though the debt was discharged in my bankruptcy it didn’t matter, I still had to pay. They threatened to sue and gave me an ultimatum. I dumb as I am, I gave them my info and then realized these people were fake after I told them not to charge me, but did so anyways. I froze my account minutes later and I can helpfully resolve this matter.

  • Sue S. November 1, 2012, 9:27 PM

    Once again these jerks a guy called Richard called my parents and told my dad that a sheriff from the Cumberland County Sheriffs Department was coming to serve him papers ! My dad is 80 yrs old and I called this woman Morgan Richards and told her to stop calling my parents and she said to me …sorry thats not going to happen,we will continue to call until this debt is paid !! I said to her I TOLD YOU TO STOP CALLING MY PARENTS !! She said too bad there are ways around this and the phone calls will not stop !! I’m really tired of these harrassing phone calls to my parents ! My mom ended up in the hospital because of the stress of this and all these phone calls 3 and 4 times a day to their home phone and to my dads cell phone ! They just wont stop even after being asked to stop calling my parents ! This is causing a lot of stress on my elderly parents ! They cant take much more of these harrassing phone calls !!

  • Phil November 6, 2012, 6:38 PM

    Add me to the list of individuals getting calls on my cell a couple of times a week until today. They have called and asked for my daughter on my cell phone. They do not identify themselves and caller ID is unknown number. Today, they called and I told them I had found info via the internet that made identified them as a “scam” and not to call me back and hung up. The girl called back immediately and I told them the samd thing again and hung up. She called back yet again and left a message telling me that indeed I would continue to receive these calls until I had my daught call back to Ray Clark at the 800 214-7866 number. I have kept her voice mail *** My daughter has been through a lot and does not need, nor do I, this type of harrassment. If these indviduals were ligit they would contact her by mail or with written docmentation. Good luck on your pursuit of folks like these.

  • Ms. T November 7, 2012, 9:07 PM

    My exhusband (we divorced in 1998) received a voicemail that said “This message is for [______ T______]. If you know her, tell her she is being sued and have her call us at 469-453-8434 ext 3140” The number on his caller id was 469-522-2019. He is not on any accounts I have, he is not a co-signor on any accounts I have. He is not listed as a reference on any accounts I have. His phone number has never been listed on any accounts I have. I have no idea how they got his phone number since it is unlisted. I made a copy of the voicemail.

  • Michelle November 14, 2012, 12:17 PM

    I was relieved to find that I wasn’t the only one being harassed by this company. It started about a month ago, the guy calling me is Ray Leonard…I’ve never answered but he keeps threatening to garnish wages put a lien on my property and take my vehicle. They’re based out of Texas and originally the case file was from 2008 and no one ever acted on it until now. Any old debts of mine were from my first husband who died intestate and the estate was ruled insolvent 16 years ago. No one should have to endure these threats…I was so upset the first day he called I had a severe panic/anxiety attack. I am going to talk to an attorney about these calls and threats because I can’t live like this!

  • Sue November 15, 2012, 6:26 PM

    I keep getting calls from these people for a debt my ex has evidently incurred. Today I received the third call from them. This call came from a Leslie Smith and she gave a return phone number of 469-453-8428. When I called that number, again, and asked for her I was put on hold and no one ever came back on the phone. I finally hung up and called again. When someone answered they asked what phone number had been called and wanted to know if he was here. I informed them, again, that I have not seen him in 15 years and they needed to quit calling me. They are extremely rude, and the word extremely is mild. Everytime they call I tell them the same thing and they say they will remove my phone number, but they never do. I don’t want to have to change my number just because of them, but I don’t know how to get them to leave me alone.

  • Mr. X November 26, 2012, 10:51 PM

    I live in the state of [***] and I have been receiving calls about recovering money for a car that I had involuntarily repoed back in 2006. They keep saying that they are going to take me to court and have my wages garnished as well as put a warrant out on me for a payment that was returned for NSF. I am tired of them calling and I don’t have the income to pay the unreasonable settlement they gave me. What are my rights?

    • Don Petersen November 27, 2012, 9:41 AM

      Mr. X & Visitors to this Blog — I urge people in Mr. X’s situation to consult with a FDCPA / consumer debt defense lawyer who is located in your state. I suspect that the account is probably beyond the statute of limitations. If the account is indeed past the SOL, debt collectors violate the FDCPA (and often state law) IF they threaten to sue, garnish, or otherwise use judicial process to attempt to collect the time barred debt.

  • Fedupwithlies November 27, 2012, 11:17 AM

    Mr. Paul Anthoy Called me AT WORK two days before thanksgiving stating that I owed a Debt from 6 plus years ago, that he had me on video and that they sent a court date and I must of ignored it.
    When I requested that he send proof , he said he would. I got nothing.
    I had to call the office 5 times before someone finally let me speak to him. and still he has not sent anything.
    the number they are using now is 773-796-4763

  • Ms. M. December 3, 2012, 6:04 PM

    I would like to file suit against these idiots. I invoked my FDCPA rights verbally on the phone (told them I don’t want to be harrassed) and they still continue to call. They even have contacted my mother-in-law who had told them before that I don’t live there. The last payment recorded on this supposed debt was in April of 2006. I am familiar with the FDCPA somewhat. They threatened me with 1099c and other ridiculous filings and actions. I am in Pennsylvania and it would be hard for me to believe that any judge in this state would award a judgment for a supposed debt older than 4 years. CRS still threatened.

    • Don Petersen December 3, 2012, 10:51 PM

      Ms. M & Other Visitors — The general rule is that a debt collector can continue to call even after the consumer says “stop calling”. (Assuming that the debt collector is calling the consumer who allegedly owes the debt.) Verbal notices are often effective in combatting unwelcome calls at work and at inconvenient times. But, a blanket “cease communication” request must be in writing. “Cease communication” requests are widely overused and often undermine the consumer’s long term goals. Filing suit against debt collectors usually ends the harassment, compensates the consumer for the harassment, and often bottles up the account so the debt collector does not assign it to yet another debt collector for another episode. Cease and desist letters often result in lawsuits against the consumer. I am not familiar with the Penn. statute of limitations and encourage consumers to consult with an FDCPA lawyer in their state for advice on this important (and often complex) area of the law.

  • christie January 3, 2013, 12:42 PM

    I was receiving like 2 messages a day for someone i don’t know leaving message after message finally I was fed up and told them they have the wrong number quit calling my house she said she will take my number off of the accounts they have for that person and not call my house again but will see! These people are annoying.

  • Re629 January 4, 2013, 10:26 AM

    I recvd a phone call this morning from a woman at 469-453-8428. She left a voice mail message indicating that she had an Affidavit of Complaint in front of her with the last 4 of my SS# on it (and then proceeded to give the last 4 of my number) and that she was investigating a theft of service charge in PA and I was named as a person of interest. She indicated that I need to call her back immediately and “Good Luck.” What a crock of sh*t. I have never had a criminal record nor have I stolen anything ever. I have not called this woman back and I won’t. But this is harassment. They cannot say these things to get someone to call them. By the way, they called the first time with the above number and left no message and then called right back with it listed as “anonymous” and left the threatening message. Is there anything that can be done about these people? I hope they are not calling any friends or relatives.

  • ken January 7, 2013, 9:15 AM

    I have pretty much all the same complaints, as all the people posting comments on here. CRS contacting and scaring family members, threats, towing away my vehicles, law suits, filing a 1099 on me, garnishment.

  • steven January 18, 2013, 7:32 PM

    diane who is one of there collectors left me voicemails. very lengthy ones. on the voicemails she states that she is filing a 1099. she says that she will personaly see they garnish my wages. she says she is irritated i wont answer her calls. she says that i cant file bankruptcy until i take 6 months of classes. and that even if i file, this debt is still owed. she says all this in her voicemails. i saved all 13 of them. i am searching now on the internet looking at different attorneys. at least i have solid proof of what they are doing and the laws they are violating. *** i plan on suing them if possible.

  • sharee January 24, 2013, 10:51 PM

    myself and my family have been going through the same thing. These people call us likd 4 to 6 times a day. Its always the same guy, Lee Thornhill. They have harrased and threatened my parents for weeks. Both of my parents are disabled and they keep saying that they will garnish their and take the only car they have and put a lean on their house and put them in jail. My mom made an arrangement with them and gave them her account number to them. My mother in law spoke to a friend of hers that is a lawyer who said we should close the account and cease communication with them. Now they are calling and saying that we submitted a hot check. And that my mom went to their office and wrote them a bad check intentionally and that they were gonna have her thrown in jail. Neither one of my parents have been to their office. We have only communicated over the phone. They stop for a short time when we threaten to speak to a lawyer. How do we get them to stop harrassing up?

    • Don Petersen January 26, 2013, 1:29 PM

      Sharee :

      Hiring a lawyer usually stops the calls. As you’ve noted, threatening to hire a lawyer only held CRS up temporarily. Don’t just make threats, hire one!

      I represent only Florida residents. I enourage you to consult with an experienced FDCPA lawyer in your state. I encourage consumers to use the Collection Harassment Form on this site and will provide resources to locate experienced FDCPA lawyers.

      Good Luck,

      Don Petersen

  • sharee January 24, 2013, 10:52 PM

    They stop for a short time when we threaten to speak to a lawyer.

    • Donald Petersen April 21, 2013, 5:55 PM

      Sharee – If you really want the harassment to end, consult with a FDCPA lawyer who maintains an office in your state and hire them. It’s a much more effective way to stop the harassment than merely threatening to “see” a lawyer. Most experienced FDCPA lawyers will accept cases on a contingency fee basis so consumers should consult with a lawyer rather than just assume that they can not afford a lawyer to help them. (Congress realized that consumers who are having problems paying their bills could not afford to hire a lawyer and included language that allows consumers who prevail to obtain their legal fees from the debt collectors.)

  • Sharee January 24, 2013, 11:14 PM

    2 more numbers to add to your list are 469-453-8174 and 214-380-2008. The guys name is Lee Thornhill.

  • Leah January 25, 2013, 2:47 PM

    We are receiving very harassing and disturbing calls from CRS. The number we’ve been getting is coming from 469-522-2045 from a Mikayla Dickerson. First calls came from Diane Taylor. They say they’ve been hired by their client to file an “affidavit of complaint.” They keep saying they have to make a decision today…..or sometimes will threaten that we have 48 hours, although they’ve been calling for about 2 weeks now.

    They say we have to make a decision today. We have 48 hours to process this or they will do so with the attorney general in our state. They want to speak to my husband or his legal counsel. We are to respond or they will assume we are waving our “rights” which will warrant any action with the laws of our state. Then the threat came over voice mail that the claim will be going through the IRS or attorney general of our state to process. Said they work with attorneys in our state. Wants a verbal statement to try to negotiate a deal on this claim.
    Threatened to prosecute us with the attorney general.

    I did request a letter in writing about all of this, but they said they’ve been sending them. I said we haven’t received anything and they say we did. I asked if they’ve send it one more time (since we have NOTHING.) They refused and said we don’t have time. VERY VERY VERY rude. I have SEVERAL phone calls on my voicemail. The only time I’ve spoken to them (as stated above) ended nasty. They did call me back within minutes after the only time I spoke to them and they wanted a fax or email address to send the info to me to. I said no, I want it in writing. They said that’s as good as in writing. I said no. That’s when she got IRRATE and said they were filing with the state. She then asked if we were filing bankruptcy. I know enough to not give any info AT ALL. They told me my current address and I told them they can send info there. We are receiving 2-3 phone calls a day and they’ve become more and more threatening.

    I’d like to know if anyone has actually settled with them, or the outcome of any of these threats. Do they actually follow through?

  • Mr. T. January 27, 2013, 2:08 PM

    These people are animals. They have false info. and make horrible threats. I initially gave them permission to access my bank acc. for payment, but when they refused to give me a letter of acknowledgment, and a case number he refused and became a raving lunatic.
    Do not give these animals any info. they have been calling me at 3:00 am in the morning.
    Ref. their tele. numbers, 469-454-9384, 469-453-8420 and 214-342-9575 a Mr R. Lee Thornton is who I talked to.

  • Just me January 30, 2013, 4:47 PM

    A person by the name of Chase Green of Commercial Recovery Systems (ph. # 800-214-7884 to add to list) threatened to sue me, garnish etc. for an old debt. Told me I could be jailed and that my mom’s assets could be seized even though she has nothing to do with it. Has made numerous phone calls to my brother. Even threatened my mom. ***

  • Jenn January 30, 2013, 5:19 PM

    The most recent caller, Carl Jacobs from CRS, claiming to be THE legal mediator for the state of PA & that he has a civil case in his office, case #, using the phone # 469-522-2023, “unknown caller”. Have tried various times to try to work out payment options with a couple of people from CRS & they have been hostile, accusatory, threatening, & unwilling to work with me. They have also called my family members. At one point, I finally told one of them that since the call was being recorded, that I was officially going on record that it wasn’t a refusal to pay, simply an inability to do so at this time. He hung up on me before I was finished speaking.

    • Don Petersen February 1, 2013, 10:13 AM

      Please consult with a consumer debt defense lawyer who is admitted to the courts in YOUR state and who defends consumers in collection actions before making any promises to pay or indirectly promising to pay. There is nothing wrong with refusing to pay and probably very little (if any) risk to consumers who refuse to pay C.R.S.

  • Catching up February 1, 2013, 10:29 AM

    Add number 800-214-5390 Karen Williams refers to ‘case numbers’ and ‘legal complaints filed’ …

  • Harrasedafterpayment February 4, 2013, 6:02 PM

    Phone # 469-453-8174, 469-453-8165… they laid me down with all of the above, wage garnishment, 1099c, liens, judgment, etc.. and this was after I made payment arrangements over 2 weeks ago. Now they said that the original creditor was refusing this payment plan and that I needed to cough up $ 375 or they would send this to court. They called my work, they are abusive over the phone, they hang up on me. THE WORST. Im calling an attorney today..

  • Nicole February 6, 2013, 1:32 PM

    I received a message from a debt collector named Stephanie. She stated she was calling from Commercial Recovery. She then stated that she tried to charge my debt card and it declined. She stated that I need to call her back immediately or she was going to send my account to have my wages garnished. My questions is could she leave a message with such detailed information? My boyfriend uses this phone too and I don’t want him to know I am having any financial issues. I called the number back at 800-214-7887 and told them I hired an attorney and she told me to do what I had to do and hung up. These people are a joke.

    • Don Petersen February 6, 2013, 8:03 PM

      Nicole : As a general rule, the FDCPA prohibits debt collectors such as CRS from telling anyone else that you owe CRS (or their client) money or that CRS is attempting to collect a debt. Debt collectors can tell spouses but not your boyfriend. For more information, please refer to “Collection Calls” in the topics on this website. There is a lot of information which you may find helpful.

  • Lee February 13, 2013, 6:47 AM

    I recently had dealings with these people to pay on a repo from 7 yrs ago. They say they are working on behalf of Cascade Financial/Santander. They want me to send money to them by the 15th, with the promise the debt will be cleared from my credit. I am weary of them.

  • Bryan February 14, 2013, 9:27 PM

    I have recently begun receiving phone calls from a Morgan Richards at CRS from a account I thought had been paid off.

    She stated in the first call that I could settle the loan volunterily or involunterily. Involunterily meaning they send the sheriff out to access my property value and seize any property deemed valuable to satisfy the account. Or they send me a 1099 and have the IRS garnish 30% of my wages. I know the 1099 is a statement of additional income and does not concern me. The threat of the sheriff coming out I believe to be bogus.

    I have offered to set up a payment arrangement with them but she is refusing stating that they do not have payment plans. She stated that the only way she could do it was with a one time payment or hardship plan which was 30% of the debt plus $50.00 a month. Is this not a payment plan?
    Neither of these two scenerios are acceptable because I do not have that much money up front to give them.

    I also do not have anything in writing as proof of me owing this. *** She has given me to the end of the month to settle this. I believe she is proably working on a bonus system. ***

    • Don Petersen February 16, 2013, 11:53 AM

      Bryan : Without knowing more I could not advise a consumer whether to pay. If the amount is susbstantial, I’d be very surprised about a debt collector that doesn’t accept payments, especially when they do not file lawsuits. (Duh). Consumers who are considering entering into a payment plan with any debt collector should get it in writing first. You’d be amazed by the number of consumers who enter into payment plans that will be “re-evaluated in six months”. Another really bad idea for the consumer.

  • Renee February 22, 2013, 10:14 AM

    These people are calling me several times per day, every single day. They say that they are taking me to court and filing and judgement against me. The claim I owe $2,000+ on an old credit card debt, that I swear I never even had. I have asked for proof and they won’t send me anything. To top it off, the debt they are calling about is 13 years old! Truthfully, I am a little scared. They are really rude and demanding.

  • Don Petersen February 22, 2013, 9:10 PM

    Thirteen (13) years old? Your zombie is old enough to be in middle school!

  • sam March 23, 2013, 10:38 AM

    I reached a deal with these fools over the phone on a debt. I requested it in writing. They sent an email, I again requested a letter disclosing the agreement the call supervisor told me it wasn’t Burger King and I don’t get it my way. I am trying to settle and they still are jerks

    • Don Petersen March 24, 2013, 2:17 PM

      I highly recommend that consumers consult with a debt defense / FDCPA lawyer who is licensed to practice law in their state BEFORE they agree to pay C.R.S. or any other debt collector even a $ .01.

  • Scott April 22, 2013, 4:08 PM

    We need to stop CRS . They are the definition of bullies .. ***

  • ashamed April 30, 2013, 10:09 AM

    I used to work for these people. They gave us scripts to to use to basically harass and bully people to get the amount owed by “any means necessary “. We were told to use our “in compliance talk off” to cover ourselves and then were told to identify ourselves as paralegas or even lawyers. I finally couldn’t take it anymore so I quit. They call me every other day begging me to come back. But I would never go back. I’m telling everyone out there that is getting calls from CRS DO NOT GIVE THESE PEOPLE A PENNY! They are a complete scam. Trust me I know being a former employee. Every single person that works there has a criminal background an let me just put it this way, these same people have access to cc #s, social security #’s etc. The place needs to be shut down.

  • Sue May 14, 2013, 3:42 PM

    On May 13, 2013, I received a telephone call from a man who gave his name as Greg Wallace. As CRS recording states that the call is being recorded, I also recorded part of the conversation. Wallace was very polite and very nice but told me that they had the power to enter a judgment against me and to take money out of my bank account for payment of a debt that I do owe…credit card debt to [original creditor]… but cannot pay due to an accident which has brought about many medical/prescription/test bills. I am 75 yrs. old, a right leg above the knee amputee due to an illness. The thing that alarmed me is that he told me that President Obama had passed a law where “they”(CRS) could seize my bank account. I have only Social Security and a small pension; my Social Security check is automatically sent to my bank. Greg Wallace offered a deal; instead of the whole amount I could pay only $600 but it had to be today. I told him that I don’t have $600 but that I wanted time to figure out some way to pay the $600. He gave me until 3:00 p.m. to call him back. **** I also called Social Security and they told me that Social Security money could be taken ONLY for federal debt or Child Support. I did not call Wallace back…and I will not speak with anyone from CRS again. I especially like “ashamed” ‘s Comments; VERY good of her/him to give out that information. The telephone number I got from Wallace is 1-888-978-4958.

  • sherry June 12, 2013, 6:25 PM

    My 80 year old mother recieves harassing phone calls from them every day about a debt that is not owed by her. After calling them they were very rude and I asked them to remove her name and number they hung up on me. After calling the second time Ron tried telling me that he was an FBI agent and before I could say anything he hung up. Third time I called he impersonated someone from the FCC. *** Do not give them any money. They should be shut down.

  • TL June 19, 2013, 2:27 PM

    the number they CRS are now calling from is 214 321 7858. got a call today on my cell and states they must receive a call back from me or my legal counsel by 5pm CST. these people are nuts they didn’t even state it was a call tying to collect a debt they also call my house in which they get the answering machine as early as 8am even on sundays. My 83 y/o mom is hard of hearing and elects not to answer unknown callers. They leave messages always with a file number but I have never received any paper trail in the mail.

  • Mr. H. June 30, 2013, 9:13 PM

    I have been receiving computer-generated calls from this company for many months, supposedly trying to contact my ex-wife. She has never lived at this address, and never been associated with this phone number, which is not even in my name! We have been divorced for more than five years. Usually, I just hang up. I finally got tired of the annoying, harassing calls, and returned the call to the number given in the computer-generated message. When I told the woman who answered the phone, she asked me to wait a minute and put me on hold. After 5 minutes on hold (I timed it), the line went dead.

  • Jason July 1, 2013, 6:18 PM

    CRS keeps calling me about a repossession, saying I owe [X,000] dollars but they will settle for 20% which is $ X,XXX dollars. When they call its from an unknown number but they leave a number in the voice mail not identifying who they are. The number they called me from is 800 214 5303.

    • Donald Petersen July 2, 2013, 10:50 AM

      Consumers who are even considering paying a debt collector, should consult with an experienced consumer rights attorney who is licensed to practice in the state they live in before they promise to pay a debt collector or provide any information to a debt collector. To the best of my knowledge, C.R.S. does NOT file suit.

  • Kathy August 30, 2013, 1:19 PM

    I have received a few calls from John Porter and Roger Lewis from 855-772-7761. They wouldn’t say the company name but when I called back the automated machine says it is CRS. They are saying I have a case pending against me and I’m going to be served for check fraud, bank fraud, etc on one of my checking accounts and against the last 4 of my SS#. They called my place of employment and asked for my supervisor!!!!!!!!!!! They told our secretary that they needed to talk to me today and needed to serve me papers for fraud, etc. I’m totally floored by this and dont’ know what to do in order to keep them from eventually reaching my supervisor! I’m scared but know I don’t owe anything….they won’t even tell me who it is owed to and are using my previously married name when I’ve been remarried for 3 years already so whatever it is has to be at least 3 years old.

  • Jeff September 21, 2013, 11:18 AM

    I received a call from them last week from my brother in PA, that CRS called him asking about me and telling him that i had two criminal charges against me for a bad check called and when i called the number back, 855-772-7761 ext. 1002, and spoke to Stacy, she said i was fixing to be served papers if i didn’t pay a certain amount by the 27th of September and I told her i’ve been out of work for over a year. Like a dummy i gave them my credit card info. I will take all my money out of the bank before they send it through.

  • Ms. M. October 10, 2013, 11:31 AM

    I am also receiving calls from CRS… threatening to have court papers served to me… Telling me they r trying to help me settle it out of court but wud not send me proof of the debt in the mail. I spoke with a man by the name of Christopher Andrews. He said he could only send me a letter in the mail that stated our payment agreement. Add phone number 855-772-7761 and 866-680-9739

  • Lisa M. October 24, 2013, 1:36 PM

    These people are relentless, getting very tired of their calls, they call me at work, and my cell. I was told there was fraudulent activity with my SS# and they are going to file suit, blah blah blah, good luck in court. Whatever! They are a bunch of bullies! add 866-680-9739

  • Anonymous November 2, 2013, 6:58 PM

    These people used to call several times a day leaving auto messages “This message is for …if you are not … please hang up…by continuing to listen you verify you are …

    Anyway, I have never answered or returned any calls. They try my in-laws house too and they screen their calls as well. They seemed to have backed off a bit by ignoring them. The debt in question was charged off over 7 years ago and my credit is already dented and these people are just a 3rd party who bank on old debt. Just don’t answer or talk to these people and they will have no choice to give up or try to take you to court and I’m not worried. I will take action if I ever get the summons.

    • Donald Petersen November 3, 2013, 12:14 PM

      Anonymous – The alleged account is obsolete for credit reporting purposes once the charge off happened over seven years ago. Assuming you haven’t done anything that would revive the statute of limitations, under most the commonly applicable statute of limitations in most states, odds are the alleged account is also time barred. Yep, it’s a probably zombie (i.e., out of statute AND obsolete for credit reporting). The usual scenario is it’ll hurt you if you feed it and they usually just go away after a couple of desperate attempts. Good luck.

  • Felicia November 15, 2013, 4:07 AM

    855-772-7761 is a # they use. They called MY phone to get to my fiancee. (I have an idea of who gave the # out and real ticked about it, it’s only for emergencies with “person”) Inflated a possible debt by over 5x! Kept saying they would start court proceedings in our county. Funny thing is, the place he “owes a debt for” has NEVER sent any notices nor has any collection agency. The place they say he owes a debt from we haven’t used since 2009! Jee, lil fishy. We were tired b/c we live odd hrs with my job and all so he gave in for 20$ and 50 to come out of his card at the end of the month. Bet they will be pissed I am disputing the 20$ on my card, canceled it and he canceled his… he also called the sheriff’s dpt. *** It is MY number, not his.

  • Kaye December 23, 2013, 6:46 PM

    My mother received a call from a “Mr. Hillman” today from CRS. Phone number was 214-380-2020. He asked to speak to my father. Long story short, my mother told him dad wasn’t there, could she take a message. He told her it was about a legal matter concerning me. He was rude with her and she told him I was sleeping due to me working nights. He told her I HAD to call him by 12 noon and if I did not, he would call my employer. My mother told me she advised him not to do that. (The man obviously has NO idea who I work for). He would not give her any information other than to say I “BETTER” call before noon. Which I didn’t. I haven’t called them back yet, but I will on my day off. And I will be letting them know not to contact my parents or my employer and I WILL get an attorney and sue them if they do. Also, any and all correspondence will be in writing; if they continue to call (They have YET to call ME) I will sue them. They claimed my father’s name and phone number was on the information they received. The ONLY thing my father has EVER been on for me was a car loan over 18 years ago. The car was paid off (never in collections) and sold many, many years ago. I plan on calling them tomorrow and I WILL sue these low lifes if they start with me. I won’t play their games.

  • Joshua January 24, 2014, 2:57 AM

    These ******* won’t leave me alone too they also threatens to garnish my wages and said they already filed judgement against me but when I called the court they had nothing on file.

    What can I do to get these ******* to leave me alone? I have blocked all there numbers in my iPhone but they keep getting new phone numbers to harass me

    • Donald Petersen January 24, 2014, 7:24 PM

      Joshua – I recommend that you consult with an experienced FDCPA lawyer who is licensed to practice law in your state. C.R.S. filed a Chapter 11 and, in my personal opinion, probably will not complete their Chapter 11 plan and convert to a liquidation (Chapter 7). An experienced lawyer should be able to walk you through the unique circumstances concerning C.R.S.

  • Joe February 10, 2014, 5:57 PM

    add 18557797141, They called my work, my wife, my brother in Tennessee, my brother I don’t speak to, another brother, as I have several, and then finally my cell phone. A man by the name of Jake Miller said my file hit his desk and I needed to return his call to resolve this matter. I have called several times, agreed to pay cashiers check if I did owe this money and they said they could not accept a check, only credit or debit information. I turned it around on them and have been calling them for days over and over and as soon as I give them my file number they either put me on hold or hang up on me. All I have requested, in each call or message is a copy of the judgement against me, to no avail. They have transferred me to Jake’s desk and then in the next call say he doe not work there. I finally got through and they said they would charge me with harassment if I keep calling.

  • mark w. February 13, 2014, 3:32 PM

    A prick named Dustin called wanting 5000.00. I asked what company he was calling from but he did not want to tell me. I told him I had not been able to get in touch with my lawyer yet and he hung up. This was over a repo from over 10 years ago. I live in n.c so he needs to get him a n.c law statute book and read it probably more than 1 time so he can understand it and never to call my number again.

  • Kai l February 17, 2014, 11:25 PM

    I got my first call from these guys today. A “mr miller” saying I owed about $400 and if I don’t pay they’ll file a lawsuit. I said is like to speak with the company I supposedly owed this debt to so I could make sure it wasn’t a scam, seeing as phone scams are huge now, and when I had asked if I could mail a check he said he would only accept my debit or credit card #, or bank account information. He laughed at me and told me to go ahead and call but that my debt had been turned over to them so calling the company my original debt was from wouldn’t help me. He told me I had until he left the office at 6pm to call and pay my $376 debt or he’s put it in his “notes” that I reused to pay and hung up on me. “mr miller” was rude the entire phone call and threatened me more than once with “legal action”

    • Kai l February 17, 2014, 11:39 PM

      Also, this is the number I received my call from: +1 (757) 716-7172

      • K G May 27, 2014, 6:18 PM

        I just received a call from 469-453-8477 claiming to be CRS. The man called my husband actually, and disclosed information saying I owed over $1600 on a MasterCard that I never owned. When he asked for information Mr. Abbott, probably not his real name, hung up while my husband was still speaking. When I called back to speak to “Mr. Abbott”, I was transferred to three different lines and finally hung up. I received a return call seconds later from 214-380-2001 from a woman who now has my phone number, and told me that she directed me to the wrong person and put me through to Mr. Abbott who was extremely RUDE when I tried to explain to him that this was a fraudulent credit account and proceeded to tell me that he wasn’t going to listen to my excuses if I wasn’t willing to pay. When I asked him to provide me, by law, with all information he had, he told me I should check my PO box more regularly and hung upon me! I’m calling the attorney general and filing a complaint first thing tomorrow, and you all should too!

  • Wendy February 24, 2014, 12:30 PM

    Since last week, I’ve been receiving calls from Commercial Recovery Systems. When I received the first call, Mr. Walker told me that his company had not purchased the debt but were collecting on behalf of the original creditor. I asked that he have the original creditor contact me as I didn’t know him or his company. He then yelled, “Well, Wendy, they don’t want to deal with you! You need to pay this!” I hung up. Today, he calls again with a complaint number that he planned to file with my local courts. Can this company in Texas file a complaint in Florida for a debt they do not own?

    • Wendy February 24, 2014, 12:37 PM

      The number that is calling me is 214-380-2068.

    • Donald Petersen March 8, 2014, 6:01 PM

      Wendy – Please read the above article about C.R.S. I believe it answers your question and puts the information in context. THX, Don

      • Mr. G. March 19, 2014, 1:34 PM

        In addition, they somehow found my wife’s daughter’s cell phone number and have called her at work. She is an assistant to her county’s district attorney (not in our state), and she’s not happy being contacted. It was apparently a fairly threatening call. Can she take action? She’s too embarrassed to ask her boss.

        • Donald Petersen March 20, 2014, 2:33 PM

          Mr. G. — Some sections of the FDCPA protect “any person”; other sections probably protect only the consumer (who allegedly owes the account). The courts are not consistent on this. People who have legal questions really do need to consult with a lawyer who is licensed to practice in their state. I provide a Collection Harassment Form for people who want for me to provide resources to help them locate an experienced FDCPA lawyer in their state.

  • Gray March 19, 2014, 1:25 PM

    Commercial Recovery Systems is repeatedly calling us after being (repeatedly) informed that the debt in question is uncollectable; time-limited, beyond the North Carolina statute of limitations for credit card debt (3 years). Default was in early 2010 when we were unemployed.
    Today the caller became agitated and said I was lying and that the statute of limitations is 6 years. He said my information from the State Attorney General’s web site was wrong. “Better pay up”.

    The number they are using (this time) is 214-380-2041. We would love to nail these bottom feeders.

  • Anonymous April 3, 2014, 7:07 AM

    I worked at CRS as a debt collector in the 90’s and tbis company is terrible. There was a fist fight that broke out on the call center floor. Neither employee was fired. Another incident when a debt collectors car was actually repoed from the parking lot.
    Drug usage in the office was a common thing and was the most terrible place to work. The management would create drama between employees to cause a hostile work environment.

    • skyler July 8, 2014, 12:14 AM

      Maybe you can help me out. Being that you’re a former employee, can you tell me if their threats of court summons and lawsuits are legitimate or just scare tactics?

    • Terry July 30, 2014, 1:40 PM

      I just got a call from these people today too. Same thing. Threats about garnishes and lawsuits. I’m glad I found this site. They called me from an unknown number, told me I need to call the “CRS Lawfirm” regarding a pending lawsuit. The number she gave me was 855-228-6426. The company she said she was with is Alliance Legal Support. I don’t believe a word these people are saying. The debt I had was over 10 years ago which passes the 4 year statutory limit for Texas.

      • Donald Petersen July 31, 2014, 9:34 AM

        Terry – I would not know the statute of limitations in Texas or be licensed to provide any legal advice about Texas law. But, ten (10) years is an awfully old debt to be in “active” collections. Glad this site helped you.

  • Paula April 3, 2014, 2:19 PM

    I got a call from these ppl too. I owed money from the car that got repossessed in 2009. They said that they’ll take legal action if I don’t pay them or make payments. I got scared so I made an agreement with them. I paid $300 down payment then it’s $50 monthly. And I think I gave them my social sec number and work place. But not my bank acct. I told them I don’t have any. And every time I call, no one ever answer. I left a message giving them the receipt number for the payment. They called 2-3 days after that. I tried calling them again for the monthly payment, yet again, no answer. I looked up the company name and read really bad reviews. After reading it, I wanna stop making payments. Can they go after me since I made payment arrangement with them? Can they garnish my wages? I love in NV.

  • skyler July 4, 2014, 11:20 PM

    I have an old debt from Osterman jewelrs. Just yesterday I get a text from my mother telling me that this guy named “Chris Andrews” from crs is trying to reach me for a summons to court due to this debt. I have no idea how they would have got my mom’s number, I moved out of state 8 years ago and never listed her as a reference or anything. I’m wondering if these clowns actually have legal grounds to take me to court or if this is just a scam. I tried to call Osterman directly today to see if they could give me information on the collection agency that is handling my account, but being that it’s a holiday, their collection agency is closed and they didn’t know the name of the company.

  • Mark August 13, 2014, 5:12 PM

    CRS has just popped up and are threatening with court and wage garnishes if we do not pay off a past debt from a few years back. They have contacted my mother trying to find me and now have her worried. They have said I owe xxx and will make a payment plan but will only provide documentation of said dent when I agree to pay them which needs to be by the end of the month or this will go to court. Where to go?

    • Donald Petersen August 13, 2014, 6:13 PM

      Mark – I provide a Collection Harassment Form to assist consumers who reside outside the State of Florida in finding an attorney who is licensed to practice law in THEIR state. No lawyer is going to provide legal advice on the comments section or in their website. Nor would I be licensed to provide you with advice unless you live in Florida.

      I provided the form to assist people as much as I am allowed to and encourage visitors to this site to use it.

      • Mark August 14, 2014, 7:18 AM

        Where can I get this form and are they allowed to act like this threatening me? I’ve read the FDCPA rules and they have already violated at least a few sections of it. Can they take me to court or is it an empty promise?

        • Donald Petersen August 25, 2014, 1:18 PM

          Mark – The “form” is the “Collection Harassment Form” on the right hand side of this page. As to whether C.R.S. will actually sue anyone, great question. I’ve never seen C.R.S. sue anyone in Florida. The legal issues you face are more nuanced than whether C.R.S. ever sues anyone (although that’s nice starting point in the analysis). I recommend that you consult with an FDCPA lawyer who is licensed to practice law in your state.

  • Lynne September 8, 2014, 6:04 PM

    I received a call today from CRS 214-380-2061 and they left a message for me to call them back at 888-978-9504 on an ‘urgent matter’. I called back as soon as I heard the message. I asked for “Jennifer” but was told she was with the attorney, but the woman who answered was her ‘assistant’. She asked for my last name and the last 4 digits of my SSI#. When I gave it, she proceeded to say that they were calling about a credit card account from about 12 years ago. Over a decade ago, I had run into some financial difficulties, and settled a few of my credit cards, and I believe this is one of them. I check my credit bureau regularly, and there is nothing derogatory on my report.

    The agent asked how much I was willing to pay ‘voluntarily’ and when I said nothing, she immediately went into a diatribe about how they would be reporting a ‘negative inquiry’ to all 3 credit bureaus, and file action against me in the next 24-72 hrs. *** They never identified their company. I had to do a reverse phone look up to figure out who these people were.

    Completely abusive, threatening and harassing. Textbook violation of FDCPA. How are they still in business?

    • Donald Petersen September 9, 2014, 8:00 AM

      Lynne – C.R.S. is in a Chapter 11 bankruptcy. Few debt collectors ever complete their Chapter 11. The bankruptcy is one of the reasons why C.R.S. is still in business.

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