630-396-8575

Left no message...ARA Financial

Threatening my financial situation. I'm disabled.

NOTE:  The Official Name of This Corporation is: FINANCIAL CREDIT SERVICE, INC

            Asset Recovery Associates (ARA) is an assumed name.

This group:

http://www.arainc.us/

Long history of debt scamming on 800notes.  Threats, false statements about judgments being recorded against you.  Rude calls.  Refusals to give any details about supposed debts. Endless attempts to collect debts that are barred by the SOS. These people are bad actors all around.  If they call demanding money for a debt, then demand a debt validation letter be sent to you by US mail.  E-mail no good.  No letter, no money.  Of course they won't send you a letter.  And in that case simply block their calls.

Report them:
http://www.consumer.ftc.gov/articles/0149-debt-collection
Also contact your local attorney general
If they continue to bother you, tell them that you know this is  a debt scam and that you are making a complaint to the police for extortion.  Once you get a copy of the police report and they call you again , just read out the  file number and the name of the PD or Sheriff’s office involved.   Tell them you’ll be glad to send a copy to them .

President's Name & Address    
BRUCE COHEN
FINANCIAL CREDIT SERVICE, INC.  AKA ASSET RECOVERY ASSOCIATES (ARA)
PO BOX 5002
VILLA PARK  
IL
60181


ARA Inc.

P O Box 5002

Villa Park, IL 60181-5002

Call ARA Toll Free

(888) 310-1550
To contact us via E-Mail please click on the applicable link below.
questions@arainc.us

Administrator@arainc.us

president@arainc.us

customerservice@arainc.us

Support@arainc.us
If you wish to fax us our

Toll Tree fax # is:

888-315-1550

___________________________

This Business is not BBB Accredited
Asset Recovery Associates
Find a Location
(888) 310-1550
PO Box 5002, Villa Park, IL 60181-5002
www.arainc.us
BBB® Non-Accredited D- Rating
On a scale of A+ to F
- See more at: http://www.bbb.org/chicago/business-reviews/c ... h.hIll77T1.dpuf

______________________________

State of Illinois, Secretary of State Corporate Records:

CORPORATION FILE DETAIL REPORT

Entity Name     FINANCIAL CREDIT SERVICE, INC.    
File Number     63083658
Status             ACTIVE
Entity Type    CORPORATION    
Type of Corp    DOMESTIC BCA
Incorporation  Date (Domestic)    09/17/2003    
State            ILLINOIS
Agent Name    MARIO BIANCHI     Agent Change Date    02/22/2012
Agent Street Address            1919 S HIGHLAND AVE STE 225A     LOMBARD IL 60148
President Name & Address    BRUCE COHEN PO BOX 5002 VILLA PARK    IL  60181
 Secretary Name & Address    MARIO BIANCHI 1919 S. HIGHLAND AVE.STE 225-A LOMBARD IL  60148
Agent Zip                            60148    
Duration Date                            PERPETUAL
Annual Report Filing Date    09/04/2014     For Year    2014
Assumed Name ACTIVE        ASSET RECOVERY ASSOCIATES

_______________________________________

Keep calling about a credit card I never got, saying I owe money on something I never applied for.  Abusive messages to file a lien against me.  Call my job when I was workingwith abusive messages and when I try to explain the situation they don't want to hear it.

Abusive threats since 2011.  I'm unemployed over two years.  I never owned a credit card in the 1990s.

Abusive threats since 2011.  I'm unemployed over two years.  I never owned a credit card in the 1990s.

Here are a few warning signs that could signal a debt collection scam:

The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.
The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.
The debt collector refuses to give you a mailing address or phone number.
The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.

If you think that a caller may be a fake debt collector:

Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.
Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.

Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
Taking out loans in your name
Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
Report the call. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.
Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.
Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.

Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

http://www.consumerfinance.gov/askcfpb/1699/h ... legitimate.html

I'm being threaten with liens, and when they call, they don't leave a message.  When I call the number back they pretend they didn't call or put me on hold.

Read my post. This is an extortion scam. If they keep calling, let them know you are reporting them to law enforcement and are having their number traced.

would not talk about what's needed and they stated they would be hanging up on me due to stating I have no idea what they are [***] talking about. I am within a few dollars of being debit free.  Blocked number Ara Financial

Did they verify your Social Security #?

How much personal info did they give you, Social #??
How should this be reported, ID theft????

Received & spoke with 3 ARA Financial reps who seemed rude, uneducated, nonprofessionals, one of which stated that ARA Financial is an "Acquisition Firm".
Threatened with Civil Suit.  
Could/would not give any info concerning their Client.
After I stated that I need documentation concerning everything starting with the application to current, was told he would inform his client.
I state that I will NOT pay ANYTHING over the phone.
Did they provide anyone with your Social #?

Received & spoke with 3 ARA Financial reps who seemed rude, uneducated, nonprofessionals, one of which stated that ARA Financial is an "Acquisition Firm".
Threatened with Civil Suit.  
Could/would not give any info concerning their Client.
After I stated that I need documentation concerning everything starting with the application to current, was told he would inform his client.
I state that I will NOT pay ANYTHING over the phone.
Did they provide anyone with your Social #?

No debt validation, no debt. It's that simple.

How can I verify whether or not a debt collector is legitimate?
Here are a few warning signs that could signal a debt collection scam:

The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.

The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.

The debt collector refuses to give you a mailing address or phone number.

The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.
If you think that a caller may be a fake debt collector:

Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.

Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.

Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
Taking out loans in your name

Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.

Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.

Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.

Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

http://www.consumerfinance.gov/

I received a call from this number claiming to be a 'settlement authority' regarding credit for Computerland and saying there is a judgement of $4000+. I never dealt with Computerland.  They even asked if it could be an ex-husband, etc.  When I disconnected the call, I got a call back from 630-599-5060.  They transferred me to a very official sounding guy, Craig Wilshire, to get a 'previous offer' reinstated for settlement.  

They sound more legit than the usual folks trying this and almost got me!  Then, the pressure started...give them bank info or credit card...etc., etc

Do not know these people! I do not answer calls if I don`t recognize the number! If it`s important and they are legit they will at least leave a voicemail!

Here is solution to the problem DON'T ANSWER THE PHONE.

Called yesterday and again today, no messages. Googled their number when they called and wound up here, again. I never used to get scam calls and can't imagine where they'd pull my number from.

They called me a few times and I finally picked up yesterday. The guy sounded like My Cousin Vinny and asked for my ex husband.  I told him he had the wrong number and he asked if I knew my ex.  I said yes, we were once married, but not anymore.  He asked if I had contact info for him and I said no, as we are no longer married.  The guy then asked if we have kids together.  I should have hung up, but I said no, getting a tad sarcastic by them, and he goes, "really, wow!"  Wth?  Not every woman has kids.  He eventually said sorry to bother you and hung up, but I gotta say, this is not very professional.  No way would I give out my ex husband's contact info to this dude.