866-519-6848

After reading some of these posts, the story sounds similiar to mine.  A message on  my home machine stating that i have 24hours to respond and that legal action is being taken against me.  A certain agency was named but when i returned the call it was a different company.  They in turn said that i have a debt {which is true i do owe this debt} on an old pay-day loan and there was a check written and i could have criminal charges brought against me.  They have certain info pertaining to this debt that is accurate. Certain red flags popped for me and I told them that I need to see exactly what they have in front of them.  What they did not know was that i am currently paying back this dept to a different company,  They are still insisting that I owe multiple debts.  I am leaving out the names of these companies because it looks like they could be using these companies names in fraud I will be investagating thus farther and will be pursueing an official complaint

I got a message from this phone number as well, they actually requested I give them my social security number...they demanded it. These people have been calling my children's cell phones and leaving harassing messages. I am taking legal action since they are calling as late as 10:24 p.m. They seem to know my previous last name too, but if they were a legal debt collector they woul not be leaving such messages containing all detailed information regarding debts. I was also told I had 24 hrs to call back, that charges would be held against me and when they called my daughter's phone they left same threats and requested my social. Scary and way too vicious.

This company is completely crazy. They have been calling my parents, looking for me for months. They repeatedly ask for information about me. When my parents said they should contact me directly, they hang up...and yet they continue to call and harass my parents when its me they have so-called business with. They keep making crazy threats, saying that legal papers will be served to me, and also to my parents which of course is completely illegal nonsense. Today, I finally was contacted by them directly and they left a threat that they were going to serve me papers at my home and place of employment. I am calling my lawyer and I am going to make it my mission to get these frauds. Its one thing to harass me but to harass my elderly parents and cause them unneeded worry. I don't know how they got my name or phone# but I suspect from some criminal payday loan company I made the error of doing business with 5 years ago.

I received a call from an unavailable number then they gave me 1-866-519-6848.  I spoke with a Dean Garrett and he advised that I took out a loan in 2008 and they have surveillance of me taking out the loan.  I asked him what court were the charges filed in and was told they weren't filed yet.  I told him I didn't remember taking out a loan for 700 and would need more information regarding this matter.  He told me I could settle the loan for 725.76, I told him I didn't have it and he then asked for a debit card.  I told him no and he told me he would see me in court.  If anyone finds out who is making these calls please advise

i don't know who this company is, but have been calling and harrassing me about a check cashing place from 10 years ago.  They said that a new law passed and that everyone who had a loan from a check advance company from 10 years ago must pay it back. They have me in a nervous wreck because they stated that they were going to press charges in 24 hours if I did not send them the money.

I received a call from these clowns at Check & Credit Recovery aka. CCR. Pretty much the same thing as what everyone has said. They tried to tell me they were taking me to court for a debt that's 5 years old--illegal. They tried to say that if I didn't make a good faith payment they would begin garnishing my paycheck--illegal. They made all sorts of threats and told me several things they would do to me if I didn't pay--all of which were illegal. I knew I had an Advance America loan out there but forgot about it until the call. It's the only account I have that's still not paid. So I called Advance America and they told me they sold it but not to CCR. I called another couple of companies and found out CCR isn't the company that owns the account at all. The real company is Consumer Recovery Associates aka. CRA and their collectors were completely different from the other crooks. I checked with the state and they are licensed to collect and are registered thru their own state also. I think CCR tries to use a similar name as CRA to scam people out of money. Anyway CRA agreed to settle on the account for half of what I owed and they update my credit report. I called back to ask them if they would take off my credit because it was the only bad mark still remaining and they did that too! Amazing to hear and see the difference between scamming scumbags and a legitimate company. I reported CCR to the NY Attorney General that's what state they're located in. If you get a call from these crooks you should do the same.

CHECK & CREDIT RECOVERY, INC.
255 GREAT ARROW AVENUE
BUFFALO, NEW YORK, 14207

My apologies I provided the wrong name and address. Had several while I was attempting to ID them. The correct name and address is:

CHECK & CREDIT REPORTING INC.
1 MAIDEN LANE 5TH FLOOR
NEW YORK, NEW YORK, 10038
Registered Agent
SPIEGEL & UTRERA, P.A., P.C.
1 MAIDEN LANE 5TH FLOOR
NEW YORK, NEW YORK, 10038

got a very intimidating message from a knucklehead, dont owe anyone, and haven't broken the law, but he stated that he was serving me over the phone and wanted me to call him back to obtain more information. also left some code 609846 cr and that they tried to serve me three times??? anyone have similar experience?

CR legal services 10923 PROGRESS CT, RANCHO CORDOVA, CA, 956705667 US, however this is not a regular business, it is the US post office??? and the knuckheads name that left the message is tony wilson.

big mistake, i took out loan 5+ years ago, it went to collection, then paid it off, now it is haunting me. ...................lesson learned pay on time.

I live in Michigan, and was contacted last week by Check & Credit Reporting, also known as Southern Tier Financial.  Three of the players names in this mad play are Dean Garrett (Director), Amy Scott, and Katie Williams.  They claimed I was being sued over a payday loan I took out in 2004 from Check & Go.  I believe this was paid off, but he insisted it wasn't, and that unless I paid it I would be taken to court and sued.  I actually thought this was legitimate, and made the mistake of giving my prepaid card number to Mr. Garrett, and made a payment.  When I asked where the company was located, he said he was not able to give that information out because of security reasons.  He became quite defensive.  Red flags started going up in my mind, so when I got home I researched this info. on the internet, and found that there were other complaints lodged against these people.  I called my credit card company and reported them, and my charge was reversed.

Please DO NOT give any information to these people.  They feed on your fear, and have received information about many good people's tarnished credit history.  Don't believe them.  The stress this has caused is terrible.

About payday loans..these companies willingly accept checks knowing funds are not available.  I had a problem like this about 4 years ago and they sucked me dry, I contacted a lawyer. The statute of limitations for collection had expired in my state(TX-4yrs), becuz of this, while collector's can continue to sell that loan to any bottom-feedng debt collector who will buy it, and continue to harrass, they CANNOT sue you, or take you to court and legally, you do not have to pay it. SOL's vary from state to state, and laws vary from state to state, but the FDCPA does not.  That is federal law. They must present the debt in writing first before going through the court system. If they are calling you out of the blue to tell you they are going to serve you, and you have not recieved anything in wrting..that is illegal. They use threateing language(i.e., "we have papers to serve you") to scare people who are not familiar with their rights to get you to open your pockets and get at your money.  KNOW THIS: Once you make a payment, even if it's .50, the clock on the statue of limitations starts all over again. They have all your personal info leading one to beleive they are legit, when all they have to do is pay 24.99 to any info website. Now, they even use facebook.  While I DO NOT condone not paying your debts, and there are very legitimate collection agencies, I DO NOT condone these bottom-feeder collections agencies and the illegal tactics they practice.

you need to tell the next person you talk to from this company that you are recording the conversation and that you are taking the recording to your lawyer because they are being fraudulent i know someone who had a similar problem and when they told them that the harassing calls stopped.

you need to tell the next person you talk to from this company that you are recording the conversation and that you are taking the recording to your lawyer because they are being fraudulent i know someone who had a similar problem and when they told them that the harassing calls stopped.

I live in michigan I too received a phone call from these fraud company calling 866-519-6848 demanding payment from an old advance america loan stating I committed fraud for writing a check that bounce and they are taking me to court and fees could run up to 1500. If I didn't agreed to pay them they would serve me papers. They had and incorrect SS# and claim the only way they could take a payment is by credit card or check account. They called my home and talk to my son and threaten to have someone bring out papers.

Keep calling and leaving harrassing and threating messages

the office closes at 8pm eastern time so there is absolutely no way that anyone could be calling you past 8 o'clock. this board is filled with lies and exaggerations by people who will do anything to avoid paying what they owe. you have to be crazy if you listen to these stories and lies! also they do not ask you for your social security number, that is a lie! they simple ask you to verify the last 4 for security purposes! would you like it if someone else called in claiming to be you (an ex husband, ex wife trying to get info) and we did not take security precautions to verify that we were speaking with the correct individual? i dont think so, then you would have something else to come on here and complain about! bottom line is, CCR is a totally legitamate company who tries to work with people and help them take care of these legitamately owed payday loans before the account gets referred for legal action. and every account that we have has been verified to the fullest extent to rule out any possibility of identity theft or fraud, we get a signed statement from your bank verifying the check, so for all of you who like to call in and cry id theft or fraud, ITS IMPOSSIBLE! if you dont want to pay it then dont! nobody is forcing you to, we are here to help the people who want help, anyone who doesnt can deal with the reprecussions themselves, but dont come on here and blatently lie and make up stories to try to coerse the people that do!

the only criminal here is you! you go to the payday loan company to help you out in a time of need because you need money, they let you borrow the money in exchange for a postdated check to secure repayment and then how do you pay them back? by bouncing a check and closing your account so that they cannot get their money back? flat out stealing! and they're the criminals? they just want the money back that you stole from them!

That is a lie and it sounds ridiculous! They would have never told you that! What they would have told you is that if it is not taken care of voluntarily your account would be referred for legal action, and they would make final recommendation to pursue legally! There is a process they have to go through, they cannot just press charges on you within 24 hrs!

Wow, it's amazing to see how low people will go to try to avoid paying what they owe! It wasn't bad enough you stole money from the payday loan company, wrote them a bad check, and closed your account so that they could not retrieve their funds?

Wow, it's amazing to see how low people will go to try to avoid paying what they owe! It wasn't bad enough you stole money from the payday loan company, wrote them a bad check, and closed your account so that they could not retrieve their funds? The statute of limitations? So if that expires that means that you don't owe the debt anymore? That you don't have to pay it? That's what you people do—avoid it for as long as you can, wait for the SOL to run out, and then you don't owe it anymore, right? Typical debtor!