800-806-2865

Called my home and left a message referrencing my mortgage lender, last four digits of my social, and that there was a "complaint filed against me". After researching, the call was a collections call and had nothing to do with a "complaint" or my mortgage.

Just had a message from this "Jimmy" on my work phone (which they should not be calling) left on Friday. I got the same comments, complaints about my mortgage and that I should have received papers at my place of employment or home address. I almost called but I am glad that I read your comments first and I see that things happened recently by looking at your dates. He rambled off a social that is definitely not mine and I'm 95% sure it was not my husband's either. (I don't know his offhand but those last digits were not familiar).

Collect America   CACV & CACH (Separate Corporations, Subsidiaries)

370 17th Street, Suite 5000
Denver, CO 80202-3050
Ph: (303) 296-3345
Fax: (215) 281-7522

Phillip Scott Lowery Offices:
(Private Law Firm Owned by Collect America's CEO)
4500 Cherry Creek Drive South
Suite #700
Denver, CO 80246

Web Address: http://collectamerica.com/
Phillip Scott Lowery

Brian L. Johnson  (Financial Officer)
David L. Michael
James R. Wolf

Collect America, LTD (Div KRG Capital)
fka/P. Scott Lowery Law Offices
aka/(CACV, LLC) & (CACH, LLC)
dba/CA Holding, Inc., Astrum Financial, LLC,
Autus, LLC, Argentum Resources, LLC,
CA Internet Marketing, LLC, Candeo, LLC,
Guardian Financial Corp.,
Healthcare Funding Solutions, LLC,
Impulse Marketing, LLC, Orsa, LLC,
Refinance America, Ltd., Valesco Data Services, LLC
(with call center in INDIA)
4500 Cherry Creek Dr. S. #700 Denver, CO
370 17th Street, #5000 Denver, CO

One of the largest debt buyer organizations in America  In 2005, Collect America owner Phillip Scott Lowery reportedly sold his operations for $350 MILLION to an organization called First Analysis Private Equity Fund IV, in collaboration with co-investor KRG Capital.

The Collect America system is comprised of approximately thirty franchisee’s across the country, with an attorney name on their door. Some of the attorneys such as Sam W. Streeter of Houston, have been dubbed ‘Rent-A-Lawyers’ due to their total lack of debt collection law and Fair Debt Collection Practices Act (FDCPA) experience.

*Collect America Franchisees:

Pentagroup Financial, LLC, James J. Thorpe, Attorney, Houston, TX
(represents CACV & CACH)

Law Office of Sam W. Streeter, Houston, TX

Richard G. & Catherine A. Neuheisel Law Firm, Tempe, AZ

Neuheisel Law Firm, Deborah Sue Harvego, Sacramento, CA

Law Office of Thomas K. Bamford, Dallas, TX

Harold E. Scherr, Attorney at Law, Longwood, FL

Bronson and Migliaccio Attorneys, Williamsville, NY

Bronson and Migliaccio Attorneys, Elmwood Park, NJ

Phillips and Cohen and Associates, Westampton, NJ

Law Office of Larry Roach, Copley Twp, OH

Phillip Scott Lowery P.C., Denver, CO

Law Office of Joe Pezzuto, Phoenix, AZ

Law Office of J. Anthony Cambece, Boston, MA

Workman Law Office, P.A., Jacksonville, FL

Collect America, LTD, Denver, CO

Gamache and Myers, St Louis, MO

P. Scott Lowery, P.C., Tulsa, OK

Law Office of Wilfred E. Briesemeister, Montclair, CA

Harrison Ross Byck, Morrisville, PA

Daniels & Norelli, P.C., Westbury, NY

Davis Law Office, Russell A. Davis, Solana Beach, CA

Richard DeJana & Associates, Kalispell, MT

Dennis Michael Dendy Law Office, Gretna, LA (Houston TX)

Daniel N. Gordon, P.C., Eugene, OR

Mims, Jerry M., Attorney, Islip Terrace, NY

(*May not accurately reflect all franchisees)

Since the sale of the main organization, Denver Attorney Phillip Scott Lowery and his collectors that include attorneys David L. Michael and James R. Wolf have relocated to the Cherry Creek Drive address. Scott and wife Texie were rumored to have moved to Vail, CO, however he reportedly still is involved in the day to day operations through brother Arthur Todd Lowery.

CACV of Colorado, LLC. which stands for Collect America Collection Vehicle and CACH, LLC  are the debt purchasing arms of Collect America. Lowery and associates reportedly purchase these accounts for pennies on the dollar, then attempt to collect on the full value.  Collect America does place these accounts on credit bureau reports under the names CACV, CACH and Collect America. Under provisions of federal law, the Fair Credit Reporting Act (FCRA), they may NOT stay past the date of last activity as stated by the original creditor and the information and amounts reflected MUST be accurate, as stipulated by federal law.

The ONLY thing that can restart a ‘date of last activity’ is by YOU making a payment, Collect America cannot change it under any circumstances. You should always obtain copies of your credit reports directly from the credit bureaus to compare those dates. You have the right to dispute any debt buyer account found on your credit reports as “Not My Account” with the credit bureaus. Always keep copies of credit reports for reference.  If  a date of activity has been changed in violation of the Fair Credit Reporting Act,  you may be able to take legal actions against whomever in federal court for violating the law. Contact me for referral to a local consumer law professional.

If you are ever sued by a Collect America attorney it is VERY important that you respond to that suit.  

http://www.budhibbs.com/collectorpages/collect_america_cacv.htm