CIA and Associates
CC Associates
Consumer Credit Association
Consumer Recovery Associates
Court Company
CR Associates
C&R Associates
C & R Associates
Farm CIA & Associates
J Lamb and Associates
and possibly GC Services
Donald Adair
Mark Adair
Chris Adams / Christopher Adams
Amy
Laura Angelini
Charles Bambino
Ms. Beagles
Ms. Blaine
Sarah Brevard / Sara Brevard
Peter Bronson
Tracy Burman
Mr. Cagle
Mrs. Campbell
Ms. Catasin
Leah Chandler
Kirby Chapman
Vincent Cignerale
Ms. Claine
Sarah Danvers / Sara Danvers
Raymond Davis
Marion Dunham
Ms. Elder
Ellie Faircloth
Jennifer Feagles
Denise Flynn
James Fox
Gail
John Gibson
Mr. Gilam / Gillum
Bert Glenn
Laura Glenn
Sidney Albert Glenn
Conrad Gray / Conrad Grey
Paul Gowl
Christy Hartman
Mr. Hartman
Miss Howard
Jane
Mrs. Jenkins
Ms. Jewel
James Johnson
Mrs. Johnson
Perry Johnson
Mrs. Jones
Jay Lamb / J Lamb
Mr. Lane
Tyler Lang
Mr. Ludwig
Kelly
Ms. Kitchens
Ms. Kitchum
Kristen / Kristin
Lindsay / Lindsey
Lisa
Marisa / Marisha
Stephanie Martin
Melissa
Monica
Chad Miller / Chat Miller
Gary Miller
Sherri Morse / Sherry Morse
Mr. Parker
Rebecca
Gary Reison / Gary Reasons
George Reasons
Jennifer Segal
Liz Segal
Tonya Sells
Scott
Eric Scott
K C Scott
Randall Scott
Richard Scott
John Sheldon / John Shelton
Ms. Silva / Silvia / Sylvia
Michelle Silver
Mr. Sitton
Liz Spiegel / Spiegle
Christine Spruill
Stacy / Stacey
Jim Stewart
Curtis Taylor / Curtis R. Taylor
Mrs. Thompson
Tony
Vivian
Mr. Wang
Mr. Weippert
Ms. Wells
Maranda Whiten / Miranda Whitten
Gina Williams
Mrs. Yelder
If you want to take positive action:
* Report them to the Virginia Attorney General:
http://www.vdacs.virginia.gov/forms-pdf/cp/oca/...
* Call the Federal Trade Commission at +1.877.382.4357 and file a complaint
Caller: CR ASSOCIATES
Call Type: Debt Collector
Thank you all for your informative posts. These guys have been calling me for MONTHS now. Even gone as far as contacting my husband, which BTW has a different last name than me AND our marriage certificate is PRIVATE. How they got his info I do not know. They were VERY RUDE to him when he tried to get more info from them. They call so much I am even considering changing my number.
Thank you all again. I plan on reporting them to the Virginia Attorney General.
CIA and Associates
CC Associates
Consumer Credit Association
Consumer Recovery Associates
Court Company
CR Associates
C&R Associates
C & R Associates
Farm CIA & Associates
J Lamb and Associates
and possibly GC Services
Donald Adair
Mark Adair
Chris Adams / Christopher Adams
Amy
Laura Angelini
Charles Bambino
Ms. Beagles
Ms. Blaine
Sarah Brevard / Sara Brevard
Peter Bronson
Tracy Burman
Mr. Cagle
Mrs. Campbell
Ms. Catasin
Leah Chandler
Kirby Chapman
Vincent Cignerale
Ms. Claine
Sarah Danvers / Sara Danvers
Raymond Davis
Marion Dunham
Ms. Elder
Ellie Faircloth
Jennifer Feagles
Denise Flynn
James Fox
Gail
John Gibson
Mr. Gilam / Gillum
Bert Glenn
Laura Glenn
Sidney Albert Glenn
Conrad Gray / Conrad Grey
Paul Gowl
Christy Hartman
Mr. Hartman
Miss Howard
Jane
Mrs. Jenkins
Ms. Jewel
James Johnson
Mrs. Johnson
Perry Johnson
Mrs. Jones
Jay Lamb / J Lamb
Mr. Lane
Tyler Lang
Mr. Ludwig
Kelly
Ms. Kitchens
Ms. Kitchum
Kristen / Kristin
Lindsay / Lindsey
Lisa
Marisa / Marisha
Stephanie Martin
Melissa
Monica
Chad Miller / Chat Miller
Gary Miller
Sherri Morse / Sherry Morse
Mr. Parker
Rebecca
Gary Reison / Gary Reasons
George Reasons
Jennifer Segal
Liz Segal
Tonya Sells
Scott
Eric Scott
K C Scott
Randall Scott
Richard Scott
John Sheldon / John Shelton
Ms. Silva / Silvia / Sylvia
Michelle Silver
Mr. Sitton
Liz Spiegel / Spiegle
Christine Spruill
Stacy / Stacey
Jim Stewart
Curtis Taylor / Curtis R. Taylor
Mrs. Thompson
Tony
Vivian
Mr. Wang
Mr. Weippert
Ms. Wells
Maranda Whiten / Miranda Whitten
Gina Williams
Mrs. Yelder
If you want to take positive action:
* Report them to the Virginia Attorney General:
http://www.vdacs.virginia.gov/forms-pdf/cp/oca/...
* Call the Federal Trade Commission at +1.877.382.4357 and file a complaint
Caller: CR ASSOCIATES
Call Type: Debt Collector
FEDERAL LAWS THEY ARE BREAKING - There are ALSO STATE LAWS they are breaking - Check your state attorney general websites
THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS
HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU
READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE
You can also post your questions here http://www.collectorsexposed.com/forum/ NEW URL!
These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!
Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm
Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm
From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.
What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.
Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.
How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.
Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.
What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.
Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.
What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren’t; or
indicate that papers they send to you aren’t legal forms if they are.
Debt collectors also are prohibited from saying that:
you will be arrested if you don’t pay your debt;
they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.
Debt collectors may not:
give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn’t; or
use a false company name.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.
Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.
Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.
Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans’ Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members’ Pay
Military Annuities and Survivors’ Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen’s and Harbor Workers’ Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.
Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.
What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.
Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.
For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009
File complaints with
Federal Trade Commission https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en
Your State Attorney General
State Attorney General is every state they have offices
Link to all State Attorney General Websites www.naag.org
If you or they are located in NY – use this SPECIAL Link www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices. HE’S CRACKING DOWN AND SHUTTING THEM DOWN!
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list. You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0
I got a message from 'dottie'. I will not be calling her back- but I will report if I continue to receive calls from this company. She did not state the company or reason for calling, simply that she would need me to call her back immediately. Sorry!
I've been getting calls from this number for months now, but I typically do not answer a call if I don't recognize the number. This is the first time someone has left a message. She gave her name as "Nancy" and did say she was calling from "CRA", but gave no other info, just stated that she needed to speak to me or my representative immediately. I am very aware of any and all debt I have, and know for a fact that they must be trying to collect on something that is at least 10 years old. The message leaver unintentionally confirmed this by referring to my maiden name. If this were a legitimate collection, they should have my current name. My only confusion is how they got my current cell number, but apparently don't have my current last name.