8889001677

Called regarding a debt that had already been paid.  But argued with me saying that even though I orginally owed $150, I now owe over $2500 due to interest.  The first phone call I got was in January of 2009 stating that I have 48 hours to pay what I owe or else they are taking me to court.  It is now October of 2011, and needless to say, my 48 hours were up a long time ago and they continue to call twice a day and leave the exact same robo-message stating that I have 48hrs to reply.  They obviously don't have any legal rights to do anything or else they would have by now.

They are:

Cred-X Debt Recovery (CDR) Solutions
4252 Ridge Lea Rd., Suite 106
Buffalo, NY  14226  (they also are listed with same address/zip as Amherst, NY on other listings)

They have an "F" rating with the Better Business Bureau with numerous serious complaints:

http://www.bbb.org/buffalo/business-reviews/c ... o-ny-235960969/

Send a signed and dated cease and desist letter by certified mail to them telling them why you dispute the debt, demanding that under section 805c of the Fair Debt Collections Practices Act, you are asserting your right to no longer be contacted by them by phone, email, at work, or through the illegal harassing act of contacting friends, relatives, and other unrelated parties which is punishable by law (tell them you have proof of this harassment and are informing the Better Business Bureau, Federal Trade Commission, State Attorney General, and other appropriate regulatory authorities).  If they have made threats over the phone, make clear what those were.  Also, make it clear you have consulted an attorney, and not only is it illegal for the company to harass you and contact others in relation to you, but individual collectors can be help personally liable according to the law.  If you know the name of who you spoke with or who sent you a letter, include this contact's name (although it may not be real).

You may also request a copy of any claims they allegedly have be mailed to you and demand that any future communication be in writing.  Include no identifying data in this communication such as SSN, account numbers, etc., only details of the claim they allege and the address or phone they have been contacting you at.  

Put cc's in bold at the bottom of the letter, and send a copy of your letter to the Better Business Bureau IN THEIR REGION (let agencies know they are masquerading as CDR as an added note on their letters, since a search for CDR on the BBB web site does not reveal them), to the State Attorney General (www.nydebthelp.com), and to the Federal Trade Commission.  

CDR has provided fax numbers in the past of 716-833-4356 and 716-218-1501 that came up registered to a Boris Vidovic (related to a Vesna Vidovic) once listed at 82 Leonore Rd., Buffalo, NY 14226 (not sure if current address).  He is listed as living in both Buffalo and Amherst, NY, as well as Richmond, VA.

As such, there is a good possibility he is also related to the following collection company, using both an Amherst address above and Buffalo address for similarly named collection companies:

CredEx America, Inc.
5500 Main St., #224
Buffalo, NY  14221 (also uses same name, address, & zip but as Williamsville, NY)

You may wish to send a copy of the letter to both locations and inform the authorities of this also.

Even if you have a valid debt, make them provide proof, and they should NOT be excessively harassing -- it is especially illegal for them to contact relatives and friends in an attempt to threaten you, and there are multiple fines and possible legal punishment.
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More info from the State of NY business registry (not Niagara County, although Buffalo listed previously is Erie County I believe):

Current Entity Name:     CRED X DEBT RECOVERY, LLC
Initial DOS Filing Date:     JUNE 23, 2008
County:     NIAGARA
Jurisdiction:     NEW YORK
Entity Type:     DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:     ACTIVE


CRED X DEBT RECOVERY, LLC
4252 RIDGE LEAD STE 106
AMHERST, NEW YORK, 14226

Registered Agent
NONE

Also according to the State of NY business registration site:

Cred X Debt Recovery LLC was registered in 2009.

Its name was changed, and previously in 2008 had been Clear Debt Solutions, LLC.

http://appext9.dos.ny.gov/corp_public/CORPSEA ... _results_page=1

And here is the Buffalo NY region Attorney General complaint form to file a complaint regarding this organization to have them investigated:

http://www.ag.ny.gov/bureaus/consumer_frauds/ ... o_complaint.pdf

When I ran a search on CDR's former name, Clear Debt Solutions, in the Buffalo area, I found this posting with a similar address and similar phone and fax numbers:

Clear Debt Solutions
Phone: 877-572-7572
     716-831-9670
     877-268-9286            
     888-774-1338
     877-268-9286    
     716-957-3005
     716-694-5970
Fax: 716-694-5972
Fax: 716-831-9679

(A part of the Mackinnon group of  collectors)
4244 Ridge Lea Rd., #6
Amherst, NY 14226
PO Box 216
North Tonawanda, NY 14120

Web Address: www.vision-credit.com

Pretending to be Attorneys: Brewer, Michaels and Kane

Head Debt Collector:
Jamie P. Belstad, President
Jon Hummel
Chris Morrow, Director of Operations
EVP John D. Yim

www.tri-financial.net

Vision Credit Solutions, LLC
Aka/CNE Associates, LLC
Aka/Tri-Financial, LLC
888-580-4441 (CDS)

Here we go again…another slimy, illegal bottom feeder operation has popped up in Buffalo, NY trying to collect on old, worthless, out of statute debts. Owner Jamie P. Belstadt, a retread of the collection business is trying to collect on debts that are 8+ years old. The documents we saw appear to have been produced by a second grader.

John D. Yim, 36, of North Tonawanda, NY, Vice President of another junk debt buyer called CNE Associates; LLC is churning out the phony documents. Vision Credit Solutions, LLC and CNE Associates, LLC show NOT to have any debt collection license or Surety Bond in any state we checked.

In his phony paperwork, collector Yim refers to the consumer as a ‘defendant’ which appears to violate federal law. His ridiculous form would be better suited as toilet paper than anything worthy of validity. It is pure garbage, nothing he states is true, he makes statements that false, misleading and appear to violate federal law, the Fair Debt Collection Practices Act.

All of these bogus organizations are nothing more than smoke and mirrors to intimidate, harass, lie and mislead consumers into thinking they owe money on worthless accounts. This is typical ‘Buffalo Style’ debt collections that we’ve seen dozens of times.

These organizations are operating illegally, the accounts have no validity, and the statements they make are false, misleading and ripe with lies. John D. Yim has no idea of what he is doing; Vision Credit (started April 2008) and owner Jamie P. Belstadt are as illegal as all the other affiliated organizations collectively known as the Mackinnon group out of Buffalo. See www.giovelawofficeexposed.com.  

FYI, Scum Bag Jon Hummel has changed his name again to:

BREWER, MICHAELS & KANE, LLC
665 OLIVER STREET
NORTH TONAWANDA, NEW YORK, 14120
Phone: 888-774-1338 716-694-1726
http://bmkane.net/

He has a couple dozen judgments sitting out on Tri Financial with no intent of paying them.

Warn your readers not to send them any money.

http://www.budhibbs.com/debtcollectorpages/tri_financial.htm

you guys are friggin debtors..why dont you just pay your bills and stop avoiding them every chance you get?????

I also received multiple messages from CDR.  When I spoke with them, I was "uncooperative" because I would not pass along a message from them to my sister-in-law.  The man I spoke to was very rude; I called back to ask to have my phone number removed, but I still received a call the next day from a woman that I again told I would not take a message for someone that did not live in my home.  She told me I was "just wrong."  I called back and was finally passed on to a higher-up that gave me the address of where to mail a cease and desist letter:  CDR, PO Box 1275, Orchard Park, NY 14127.  Hopefully this helps someone else.

These CDR freaks are harassing my sister but won't tell her who she supposedly owes.  They call her work, home and sister everyday-totally unacceptable.  And the dumb lies they tell are insulting.  A lawsuit is in the works!!!

File a complaint guys ...

https://www.bbb.org/consumer-complaints/file- ... name/CDR/14127/

I really don't understand why all the complaints from everyone??
My experience was great with resolving my claim. I spoke to manager Peter Sumter and he wrapped my claim up with zero issues. I'm sorry I'm going to have to disagree. Thanks to CDR I'm on the right track to fixing my credit.

These people are debt collectors for cash net USA. Peter Sumter will tell everyone he is a attorney, but he is NOT. He barely made it out of high school. If you don't repay a payday loan it is not criminal, it is civil. They prey upon peoples fears to collect debts,which is against the law. If they try to intimidate you please contact your attorney generals office in your state and file a complaint

HAHAHAHAHAHAHAHAHAHA.

If your gonna pretend you are an attorney and are taking me to court over a 300 illegal payday loan, at least know the laws and come with a good way to present your BS so i at least MIGHT believe you.  I guess theres always plenty of SUCKERS willing to pay yall, so keep rollin, just improve your pitch!

#beendointhislongerthanyou

I am tried of these people trying to get money out of us hard working falk I never took out a pay day loan in 2012

alleged debt collector  called my sister in pennsylvania   i live in maryland.  Gave her all kinds of personal information on me that was not approved.  Left a case # with my sister.  Contacted my Michael Mason  A Mr. Dugan .  said i owe 900
but will settle with 600.  Now Mr. Mason has resigned.  Also never had business with the company sent in a email i requested so they (the rutland group) could be identified.  Address they gave p.o.box 1275 orchard , new york
thank you   james posey posse225@comcast.net

Please stop calling my home,family & work! I know my rights,you cannot call my family,and especially threaten them!and you have been told not to call my work but continue to do so

If they a scam they need to be stop people trying pay that debt to the correct people not throw away money company you know not going to right person

http://www.credxdebtrecovery.com/

Cred X Debt Recovery LLC   AKA:  Clear Debt Solutions, LLC  (CDR)
PO BOX 1275
Orchard Park, NY 14228
(phone) 888-236-7147
(fax) 716-833-3468
(email) compliance@credxdebtrecovery.com

_________________________________

NYS Department of State
Division of Corporations
Entity Information
The information contained in this database is current through February 11, 2015.
Selected Entity Name: CRED X DEBT RECOVERY, LLC
Selected Entity Status Information
Current Entity Name:    CRED X DEBT RECOVERY, LLC
DOS ID #:    3687863
Initial DOS Filing Date:    JUNE 23, 2008
County:    NIAGARA
Jurisdiction:    NEW YORK
Entity Type:    DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:    ACTIVE

Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
CRED X DEBT RECOVERY, LLC
4252 RIDGE LEA STE 106
AMHERST, NEW YORK, 14226
Registered Agent
NONE
_______________________

BBB:

THIS BUSINESS IS NOT BBB ACCREDITED
Credx Debt Recovery LLC

Additional Locations
Phone: (888) 900-1677  ◄▬ ◄▬ ◄- ◄▬
View Additional Phone Numbers
4252 Ridge Lee, Suite 106, Amherst, NY 14226
http://www.credxdebtrecovery.com
Alternate Business Names
 Clear Debt Solutions, LLC  (CDR)
! THERE IS AN ALERT ON CREDX DEBT RECOVERY LLC !

BBB has seen a major increase in collection agencies setting up businesses in the Upstate New York area over the past several years.  In an effort to keep consumers informed about which collection agencies are operating in accordance with Federal Law,  we are asking for specific information from all collection agencies operating in our service area.  The requests includes the following:

:Federal Employee Identification Number-EIN
:Proof Of Licensing, bonding and or registration by the city, town in which your business is located.
:Proof of licensing required by any state in which you operate by mail or telephone or email.

This collection agency has not responded to our requests.

BBB advises consumers to be aware of their legal rights in regard to collections.  The Fair Debt Collection Practices Act is a statue enacted in 1978 which seeks to eliminate abusive and harassing behavior by any debt or collection agency.  The act states specific practices and rules under which debt collectors must abide by.  There are penalties for agencies found breaking these laws.  Some of these laws state that a collection agency is forbidden to harass a debtor, which includes threatening violence or legal action.  They may not use crude or offensive language or identify themselves as anyone other than by their business name.  If a consumer believes a debt or collection agency has violated any of the FDCPA laws the BBB encourages them to file complaints with the BBB at bbb.org and Federal Trade Commission at ftc.gov

BBB® F Rating
On a scale of A+ to F

Left voicemail calling themselves Echo Acquisitions. Did not state who the message is for. Number they said to call them back is 888-337-6167. They called from 888-900-1677