864-724-1363

A woman called my personal cell phone number today and she had my social security number. She said that she was going to report me to the IRS for INCOME received due to an old credit card debt! I asked how she got my personal information and she said they had "private investigators" to do this!!! I eventually hung up on her!! She said she was from CRA, and she also noted something about a 1099C IRS form that I had to complete or that she was going to submit to the IRS!!  I told her it all sounded bogus and hung up on her!

These guys called me several times, however I have no cell signal where I work so I haven't spoken to them yet. I called the missed call # and it was an answering machine, said it was CRA and what they're hours of business were. They don't even answer return calls during business hours. I'm glad you have this posting site to identify them. I think I'll Play with them if they call and I'm bored.

You can find their company information at this web address :

http://www.manta.com/c/mmn8qrd/cra-collections

I found out they are a non denominational church driven collection agency of 5-9 employees in an office located in Mechanicsberg, Pennsylvania. Rob Hunt is the owner and the business has another phone #
(717) 790-8730. The business makes 1/2 to a Million Dollars a year.

Don't feed into their crap!!!!

They called looking for, get this, the mother of my husband's exwife. They divorced 15 years ago and we live in a different state.

This company is reporting on my credit report...a debt that I do not owe, to a Collectors Today company. I don't buy collectors stuff. Now they are calling,e.

I am reporting this collection company to the AG of the state.

EVERYONE REPORT THE PHONE CALLS TO THE AG OF THEIR STATE.

That is good info to know.

Another Number They Have is For Randy Clark (717) 790-0457

I have also been getting this phone call. I do not answer them due to "they" are calling a non-published number. They called my cell phone that only my kids use to call me, and my children know better than to give out my number.

My dad always got this phone call from this person claims to be from CRA.  They left voice mails and phone numbers to call back (864-724-1363 and 877-704-9454).  When I call back, the person that answer the phone is very rude.  I asked them who they are and why they keep calling my dad.  They won't tell me who they are or what company or organization they are in.  They keep asking me what is my dad's phone number.  They didn't tell me and threat to hang up the phone if I don't tell them my dad's phone number.  I just hung up on them.

Got a call too, and I have an unpublished number. Came from the SC area. I'm not answering, Thanks for sharing the info everyone.

I received a call today, but didn't answer. So, I listened to the message and this Southern Lady stated that it was very important to call her today, regarding some acct number. The only things that I am not current on are old things past 15 years old..so, I pulled the number up to find that it is a collection agency trying to collect on debts that are past the statute of limitations. The number I was to call back was 877-704-9454. I'm not calling back. I don't answer anything that is out of my state. Good Luck to them..cuz I'm not giving them anything.

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS


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

DEBT COLLECTORS MUST BE LICENSED IN YOUR STATE - if no license - they cannot make any attempts to collect a debt from you.  



http://www.consumerjustice.com/consumer/agencydetail.aspx?id=5319
Consumer Recovery Associates  
2697 International Pkwy
Virginia Beach, Virginia, 23452

dmin@consumerrewcovery.com
www.consumerrecovery.com

--------------------------------------------------------------------------------
Phone No.  215-325-1354 234-542-2874 310-601-7244 310-734-6338 310-855-3688 310-860-6293 317-536-5458 319-892-0349 323-319-5178 404-474-4884 404-963-8760 430-200-0007 505-349-0354 505-718-4945 864-  
Fax 757-368-3622 866-596-9114  

Curtis R. Taylor
 
Aliases Other Locations  

CIA and Associates CC Associates Consumer Credit Association Consumer Recovery Associates Court Company CR Associates C&R Associates C & R Associates
*135 Interstate Blvd. Suite 8 Greenville, SC 29615  


Notes
No license or bond found. Threats of issuing bogus 1099C's on out of statute debts. This appears to be a consumer scam.

I got a call from this number twice, same lady! First it was for my sister and then it was one for me about a credit card debt from 06-07. I havent applied for credit cards in years!!!! So i knew it was bogus. I think these people are trying to collect old debts pass the statue because if you agree to pay them then they got you. They are on some BS.

They will say that it looks like you have not been contacted regarding a 1099c with the 1st Bank of Delaware. When i asked for her to provide more information for me she said she could not and would be putting me down as a refusal to pay.

This [***] number keeps calling my cellphone.

I talked to these people and they said that I had a debt from 06. They said that that they would take 100 dollars and call it good. Told me to go to Wal-mart and get a prepaid visa. they wont stop calling.

i have gotten calls from this CRA company using SIX different phone numbers!!! They are from South Carolina, and i am in California so  they call me at 8:30 in the morning! now i realize this isnt very early, but i am 16 years old and trying to enjoy my last few days of sleeping in before school starts back up.
anyways, i called each number back and asked what company they worked for and they either wouldnt tell me, claimed they couldnt understand me, or just kept asking my name (which i was not going to give them). So when this one guy finally answered me and told me he worked for CRA, a debt collecting company, i asked him to please stop calling me. so he asked for my phone number, which i then realized i didnt want to give him because i would probably just end up getting more calls! so i said "i would rather not say" and he says back "Well if you dont give me your phone number how am i supposed to take you off the list? WOW!" now i realize that is a fair thing to respond with, but he said it a VERY rude tone.
ALL OF THESE PEOPLE ARE RUDE [***]!

A woman called screaming that she had my information and I needed to confirm my social security #

Had a call from a company called CRA, looking for my daughter, although they didn't know I was her mother at the time. They said they had tax forms for her to correct. I asked how they got my #, they said she must have put me down as a reference on an application she filled out. Unfortunately they asked for her former married name not the current one, and I have only had this # they called at for 1 year. Very weird.

Received a call to my direct line at work from CRA looking for me.  No information was given and they said to hold while they get a more secure line. I hung up and they called again today but didn't leave an answer.  I'm sooo glad others have posted they're complaints.