866-916-9633

Someone called me from this number and told me they were from CCR & Associates.  They said I owed a pay day loan from back in August of 2007, a loan in which I believed was already taken care of.  Back in 2007 Cash Net took $450 from my bank account and they were only suppose to take $375 (I believe that was the amount) and my bank had to get the other $75 back from them. Now this person from CCR & Associates is calling me and telling me that if I don't set up payment arrangements today they are going into the courts tomorrow and pressing criminal charges on me for check fraud.  I asked them to give me until tomorrow to check with my bank to make sure because I thought it was already taken care of and I was told that I had to make the arrangements today!!! I ended up having to give them my debit card information (because I was so scared) and then I find out from my bank that a company called Southern Tier Agency took the money from my account, not CCR & Associates.  I ran Southern Tier Agency through google and came up with all these scam reports about them. The woman at CCR & Associates was suppose to send me an email giving me verification of this debt and never did and I have tried to reach her and I have even tried to call Southern Tier Agency and not one is returning my calls.

I got the same call today.. But they also called my ex-husband giving out information that owed them money. Regardless if monies are owed they are violating the law by giving information to a third party.

Yep,i received a call from them as well. They proceeded to call my brother as well. I am in law school right now, and I threatened them with a suit of my own. I will. I will sue for liquidated damages, as well as Defimation of character.

again aqnother post. I was hung up on and was told that I do not have permission to tape or record them. He told me I was a joke

received a message from a janice who stated that my ss# was flagged due to fraud and identity theft.  left phone and claim #.  sounded suspicious.

I recieved the same call last week, the reps name was Linda Wright. she called my parents house and gave my date of birth, age, last four of my social and the county I reside. She also said she was calling from the fraud dept. she continued the say that Im wanted on suspious counts of fraud and idenety theft over the internet.She also left the same message on my landladys phone.They are scumbag debt collectors that collect for
paday loan places and credit card debt. How they can say these things and get away with it is amazing.The refuse to give me a address or send me a letter of the debt that I supposubly owe.

I USED TO WORK FOR THESE GUYS..RIC IS A MILLIONAIR OFF THIS STUFF.PAULY / BRIAN AND THE OTHER OFFICES RAKE IN THE CASH. FIRST LENAHAN,THEN CORBETT, THEN ACH, CCR CHANGIN NAME AND NUMBERS, THEY SPOOF, DO SHAKE DOWNS YOU NAME IT.ALL WHILE DIANE RUNS THE PAYMENTS UNTIL EPP CANT HOLD ANY MORE #'S..UNREAL. I WORKED FOR THESE SCUMBAGS AND BECAME TO GOOD AT MY JOB.EVERYTHING YOU READ IS ONLY THE TIP OF THE ICEBURG, THE MAJORITY OF THE PEOPLE WHO STAFF, RUN AND OWN THIS COMPANY NEED JAIL TIME NOTHING LESS. I HAVE NEVER WORKED IN COLLECTIONS UNTIL I TOOK THAT JOB AND IT MADE ME SICK TO MY STOMACH BEING A PART OF IT.DRUG USING LOSERS WITH LOW SELF ESTEEM.LYIN GREEDY LOWLIFES.ATTN DTRS..THEY CANT DO SQWAT TO YOU..PAYDAY LOANS..HA...TAPE EM..THEN SUE EM'..THEY CANT EVEN DO ACLEAN TALK OFF..LET THEM PAY YOU..JUST KEEP ASKIN THEM.."WELL WHATCAN HAPPEN?"OR GET THEM TOP DISCLOSE TO SOME ELSE.HAVE YOU DAD CALL IN READY TO PAY...WHEN THEY DISCLOSE TAPE IT AND SUE EM! FU RIC......

Just got a call from these guys and boy did it scare me to death, now that I have read this I will not be returning the call....glad you guys were here!

Received a call from 866-916-9633 and this was the message:  This is Mrs. Wagoner, I am attempting to serve notice on record to KXXX.  Be advised your Social Security number has been Red Flagged for possible fraud and/or identy theft.  At this time you are being requested to get a statement on file with the fraud division.  Failure to do so immediately is the same as pleading no contest at which point all allegations will be viewed as fact and you wll be persued to the fullest extent that the law does allow.  Contact Ms. Long at 866-916-9633 Ext. 507 Case #XXXXXX.  It is important Ms.XXX that you contact Ms. Long as soon as possible.

I got the same exact message as KPET from "Miss Wagner" of "Check and Credit Reporting" asking me to call 866.916.9633x275561 (and later in the message x507 -- she couldn't even keep the story straight).  I believe this is phishing expedition and will be contacting the authorities.

i was told it's a scam... and believe it.. I called and started asking many questions. Person got tongue tied and put me on hold. never came back on the phone.
i called back again and next person was irritated that i asked alot of questions.

YOU DO NOT NEED THEIR PERMISSION TO RECORD THE CALL!

Some states require that you tell the caller you are recording. You must state that this call is being recorded at the beginning of the call.
The caller makes the decision to continue the call or hang up.


Other states do not require that you tell the caller you are recording at all.  

ITS BASED ON STATE LAW -

Recording calls from debt collectors – always double check with your own State Government website
http://www.budhibbs.com/record.htm


COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY

Dealing with debt collectors
http://www.budhibbs.com/start.html

Statute of limitations by state – always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm

From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

This company called my mother and told her that my social security number was red flagged and they were investigating it. Gave number 866-916-9633 ext 507 Investigator Long.  Thankfully, I checked here before I had a heart attack. When they say your ssn has been red flagged you immediately think someone has stolen your identity.

Wow!  I am so glad I googled this number!  What a scam!  I was scared to death from the message from "Ms. Wagner" until I read all these postings.  I saw something similar to this a couple of months ago on Dateline about scummage like this.  I am going to report them.

what the hell is wrong w people nowadays?does everybody not realize that we are the reason we have high taxes and a crappy economy?do we not realize we are the reasons that welfare is no longer easy to get for the individuals that really need it bc deadbeats who sell there drugs go lie on applications and then on top of it sell their benefits for crack and use the money provided for their children on themselves?who is anybody to say who is a scumbag bc while your on here calling collectors scumbags ur the reason ur being called in the first place.....so u had hard times and had no way out so u ask for help but when it comes to paying for the help u were provided u slam the door in their face.so whos the real dirtball....someone whos stole money from someone whos never done anything to u in return...or the person trying to help the co recover a loss due to the ignorance of ur own actions.yes i have done collections in the past while putting myself through school so i understand both parties....but u cant just assume every collector who contacts u is a scumbag.....i am the nicest person in the world and its horrible the things people say to u when they dont knw u from squat.i pay my bills o time so maybe ive nvr been on the other end but if i owed someone money i cant complain they want it and are charging interest bc if i ddnt default on it the first time around i wouldnt be paying for it.maybe noone will learn unless congress passes a law that ne debt owed due for ne reason will be prosecuted until full restitution is made......how would u feel if u were in thoses shoes???u lend a friend 700 dollars and the never repay u u wld be ticked off too....all i ever hear is the economy this and the economy that but yet nobody does anything to change it...this world is horrible and to be honest i hope 2012 is real and the world ends bc ppl nowadays are just s**t and have no respect towards anything besides them damn selves....to u ppl who find any and every way out of ur debt ur dispicable u owe the money and u know u do and u try to get away w it but i hope in the long run it catches up too u...dont forget about karma bc u screw someone on money u will get it 10 times worse and then whos laughing so good luck ruining this economy bc u will pay

I got a job at a collection agency. I called people and demanded money, said you would have to got to court in the morning if you didn't pay me NOW, said you would be ARRESTED and officers were on the way to your house if you didn't pay me NOW, said we would call all your neighbors and relatives and tell them what a deadbeat you are if you didn't pay me NOW, told you how worthless you are and that YOU are responsible for single-handedly wrecking his economy, unless you paid me NOW, said I was the sheriff or a lawyer or an investigator or whatever.

And you know what? SOMETIMES IT ACTUALLY WORKED! I made enough money to pay off MY BILLS and I'm one [***] smart guy.  

I agree with you 100000%!

wow.....well i never went that far w anybody i wouldnt pose as someone im not...i wouldnt mess w my freedom over a scumbag deadbeat theif shoot you dont want to pay your bill fine by me bc karmas a sonof a [***] and if u steal then u will have repayment bigtime.....and the biggest part that got me is the people u deal w they have to be the rudest most ignorant human beings in the world like hello we wouldnt have been calling u had u paid what u should have in the first place.by all means no disrespect but werent u helped when u needed it y shun ur only hope....ya know burn all ur bridges and then whats worse is u complain that oh for the past 3 yrs i cldnt bother to call and make a payment especially those who have careers and high paying jobs w bonus' no they just prefer to screw this economy up even more....uhhhh i get so mad lol

wow.....well i never went that far w anybody i wouldnt pose as someone im not...i wouldnt mess w my freedom over a scumbag deadbeat theif shoot you dont want to pay your bill fine by me bc karmas a sonof a [***] and if u steal then u will have repayment bigtime.....and the biggest part that got me is the people u deal w they have to be the rudest most ignorant human beings in the world like hello we wouldnt have been calling u had u paid what u should have in the first place.by all means no disrespect but werent u helped when u needed it y shun ur only hope....ya know burn all ur bridges and then whats worse is u complain that oh for the past 3 yrs i cldnt bother to call and make a payment especially those who have careers and high paying jobs w bonus' no they just prefer to screw this economy up even more....uhhhh i get so mad lol

What kind of drugs are you on anyway?

i just got a call about an hour ago saying from a woman that she would not give her name and said she would be at my door step 10 in the morning and it was from CCR and said i owe 200 dollars and i know this is a scam cause one i made phone calls to court services here and has no record of my name anywhere and so now i am just waiting to see if they are going to show up here and if not then oh well they can keep going on but i will put a stop to them calling and take action with this .. and if anyone else that lives in the state of Kentucky .. im sure there are others out there that has this problem as well .. just dont pay any attention to it .. just to get you scared and also to scam you of your money and debit cards or credit cards ...