Corporate Receivables calling me to hell - how can I stop them?

(yawn)another shill.how nice. :roll:

We held to some firm rules for dealing with these jokers. One, THE MOST IMPORTANT..... NEVER talk to them on the phone. NEVER. Only communicate in writing by certified US Mail... every letter you send them, make sure you send it certified and keep EVERY scrap of communication from them to you and from you to them.

TWO.... respond in writing IMMEDIATELY and demand full documentation of their claim.... got that ? Don't play nice, don't let them get all "understanding" with you. DEMAND documentation, and DEMAND proof that they have been authorized to process the claim. Also DEMAND that they show a copy of the ORIGINAL agreement between you and the puatative creditor. You would not believe how many claims are not backed up by a clear chain of evidence or authority. We stuck to our guns, they sent us one letter claiming that we didn't respond to their demand, which was totally bogus, as we responded immediately. They had no choice but to pretend we didn't challenge the validity of the claim. Total BS. After we sent a second letter via ceritied mail, correcteing their misrepresentations and continuing to demand they produce the documents, they dropped the claim and we never heard from them again. Kablooey.... anything that looks like you could be documenting up a good lawsuit and they're gone like rats with a pitbull on their tails. Don't let that psycho just got out of solitary confinement head tripping act fool you for a second.

these people keep calling me at work and i have told them i can't take personal calls. an erica black calls about 3 times a week and leaves messages with anyone who answers the phone. then she will ask to speak with my boss like it has something to do with her. i really wish she would quit calling work. i can talk to her at home

I looked up this number because this lady keeps calling me. She doesnt tell me what its about but her name is Erica Black. I was wondering if anyone has dealt with her? I have also noticed that mostly all of these comments are stemming from Best Buy. I dont even shop there, i dont have an account there either. Im really confused and worried about calling back. what should i do? arent they SUPPOSED to inform you why they are calling, and from who they are collecting debt? :(

I had lost job for 6 months and paid on stolen motorcycle since march of 07. I was getting min wage jobs and finally got job in my field and tried to pay and was forwarded to CORPORATE RECIEVEABLES. I spoke to Cal Brooks who I offered my routing and bank account number and he read policy and procedure.
EG. "I Hereby," "Therefore", "Herein", "Whereas" attempt to collect this debt. I said I just wanted to make payment. He wouldn't take payment but just wanted to argue. I don't know how to make payment or get around this stupid kid who just want so quote policy in "Legal-ese".

I was a collector and had highest dollars/hr I found talking to humans like humans and having compassion in this economy that has crushed millions. I found that people arn't scumbags that don't want to pay, but rather people who want to pay and are struggling to do so. I know have means to do so and this kid is rude to get you to argue so he can hang up because it is closing time or his lunch or break.

Is there a place to report this type of exploitation of victims of this economy? I can't believe this is going on....

Tens of thousands of New York consumers had money seized by creditors using court orders that had been obtained by fraud, the state???s attorney general said Wednesday ??? and the money should be returned.


Andrew Harrer/Bloomberg News
Andrew M. Cuomo, the attorney general of New York.
According to a lawsuit filed on Tuesday in New York Supreme Court in Buffalo, lawyers and debt collectors obtained more than 101,000 court orders that were improperly issued, allowing them to seize, on average, $5,474 from each consumer.

The lawsuit asserts that consumers were never properly notified and were not given a chance to defend themselves in court; creditors won default judgments. The total amount of money seized exceeded $500 million, according to the attorney general???s office.

???Our legal system is defined by due process and the guarantee that every New Yorker will get the chance to defend him or herself in court,??? Andrew M. Cuomo, the attorney general, said in a statement. Not providing notice of legal proceedings, ???undermined the foundation of this system.???

The two collections agencies and 35 lawyers and law firms named in the lawsuit, which lawyers for Mr. Cuomo???s office filed on behalf of the state???s chief administrative judge, Ann Pfau, all used one company, American Legal Process, of Lynbrook, N.Y., to notify consumers of debt collection proceedings.

But American Legal Process did not give people proper notice and instead ???repeatedly and persistently falsified??? statements that it had, according to the attorney general. In thousands of cases, a lawyer for Mr. Cuomo???s office stated in a court filing, individual American Legal Process employees claimed to have delivered notices of collections proceedings to different people in different locations at the same time.

When consumers did not appear in court, lawyers for creditors obtained court orders allowing them to take consumers??? money directly from bank accounts or to garnish wages.

A lawyer for American Legal Process, Corey Winograd, did not immediately return calls.

Excellent! I like Cuomo more and more every day!

Nash is hilarious, I loved working with him!!! But no I wont give you his real name.

actually cal brooks is top management, not a kid.

What's not to love ? If you complain to the FTC, they do listen. This was released by the FTC in November 2008, and it's a clear indication of what the FTC has the authority to do and WILL do if it perceives sufficient cause. Take home lesson.
Federal Agencies DO respond. YOU have to make yourself heard......

"Academy Collection Service, Inc. and its owner, Keith Dickstein, have agreed to pay $2.25 million to settle Federal Trade Commission charges that Academy and its collectors misled, threatened, and harassed consumers; disclosed their debts to third parties; and deposited postdated checks early, in violation of federal law. This is the largest civil penalty the FTC has obtained in a debt collection case.

???These defendants are responsible for their debt collectors??? abusive practices,??? said Lydia Parnes, Director of the FTC???s Bureau of Consumer Protection. ???They ignored people's complaints and rewarded the collectors who broke the law. This is not a business model that the FTC tolerates.???

According to a complaint filed by the Department of Justice on the FTC???s behalf, Academy collectors violated the FTC Act and the Fair Debt Collection Practices Act (FDCPA) while collecting debts, and Dickstein failed to stop the violations. The complaint also names Edward L. Hurt III and Albert S. Bastian, who oversaw Academy???s Las Vegas collection center and who are not part of the settlement with Academy and Dickstein.

The individual defendants allegedly participated in, or had the authority to control, Academy???s practices. Academy???s collectors allegedly engaged in false or deceptive threats of garnishment, arrest, and legal action; communication with third parties about consumers??? debts; and calls to consumers at their workplace when the employer prohibits such calls. Other practices included frequent, harassing, threatening, and abusive calls; unfair and unauthorized withdrawals from consumers??? bank accounts; and early deposit of postdated checks consumers submitted for debt payment.

More than 1,000 complaints against the company were filed with the FTC, various state attorneys general, the Nevada and Pennsylvania Better Business Bureaus, and the company itself. The FTC alleges that, without sufficient investigation, the defendants dismissed consumer complaints or did not properly discipline collectors, and that collectors who were terminated for FDCPA violations often returned to work within a few weeks or months.

FDCPA Section 809. Validation of debts [15 USC 1692g]
(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Everything everyone has said about this DB is right on. I know these guys are doing their job, but they'd get better results if they acted more professional and courteous. They also hate if you do your homework and have amo to throw back at them, that gets their blood boiling. Plus, who in their right mind is going to pay some stranger that calls up and says we owe them money without any credentials? And who would want to pay someone that was acting like a d!ck? Not me. Ben Collins aka Chris Larsen...get serious and learn a little bit about being a gentleman.

Debt Collection Practices: Sec. 1692(d). - Harassment or Abuse

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a(f) or 1681b(3) [1] of this title.

(4) The advertisement for sale of any debt to coerce payment of the debt.

(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

(6) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller's identity.

From wat I can tell the ppl calling u arent the problem seems ur beef is with the company. But everyone is so quick to jump down the workers throats just foir doing their jobs. do u want ppl jetting on u for doing what ever it is you do all theses peopl do is get an account they are told it's overdue and to get the person on the phone but you act like they have something out for u(sad)

one wonderful spelling
two we are entitled to details if we ask for them.
three people are not just going to give bank or other info to some abusive person with all of the identity theft and scams.

the only sad thing is your post.

Writes (and thinks) like a meth tweaker.

i resemble that remark.

Corporate receivables is calling about a mac card account witch I found out is a corporate account even though my husband works in a garage and has nothing to do with the company.My question is I have been paying the credit card account and am up to date on my payments. CR says I am refusing to pay, I tried to explain to them that I paid the credit card company they said I dont care your refusing to pay. I am paying just not them . Am I doing something wrong should I be paying them? WHATS THE WORSE THAT CAN HAPPEN?

Make them put it in writing. INSIST they put their specific claim IN WRITING. Make them explain, in plain english, in language that a judge can understand, EXACTLY why they believe that you, personally, owe this money. If they can't SUBSTANTIATE their reason you should be paying them (as, by sending you a copy of the bill, statement, or agreement that makes you responsible for this debt) they have no legitimate claim.

Lokk a few postings above on the subject of harassment:

"A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. "

I had been receiving calls from someone named Aaron Bell (not sure if that is his real name). I had cosigned for my daughter for a Bridal card and this was the first I had heard about it. I made several calls, thanks to everyone here, and signed up for freecreditreport.com. HSBC is the creditor that officially owns this debt and I called them to make arrangements directly with them. As soon as I had found out about the delinquency, I promptly paid them them before the deadline on the statement. CRI does not own the debt, but just likes to blow smoke out their a** and try to intimidate people. The only thing that comes up on my credit report is that they made an inquiry. Period. Nothing else! I also made a dispute since I was a cosigner and had absolutely no notification of a delinquency of any kind. Don't let these guys scare you. Do your homework and be ready for them if they call you back. :lol:

I used to work for company and for those who can't pay balance u can make monthly payments...All u have to do is send in 5% of your balance each month and that should keep your account from charging off...they are going to say well in order to get on a hardship program u need at least $250 or $500 and they can start u on payments that is a lie just send in 5% and u will b good...

:D kevin nash can take a walk

to the former employee.congrats,your wonderful post just screams that.btw,i won't work anything without something in writing.your awesome company doesn't do that.which means you worked for a bottomfeeder.also,i have never read an instance where anyone in your stupendous company allowed a payment plan of any kind.nice try though.

Didn't you know that their F rating (88 complaints) on the BBB stands for Friendly? Fair? Fastidious? Fantastic?

Unfortunately, though, they don't get sued very often - only 3 times in 2009.

I received a call from CRI a few hours ago about my delinquent account with David's Bridal. At first the gentleman was very nice and we were getting along just fine. I should have seen it coming. He began harassing me about "failure to pay" and I decided to hand the phone to my husband who's name is on the DB Credit Card. According to him, (we had the guy on speaker phone) this man was saying some pretty illicit things. He was also asking questions about our personal life such as and I quote : "What have you been spending your money on?" ; "What is your address?" ; and so on and so fourth. "You can't pay your money!" Duh!
My husband, and my husband only has been getting payed 130 dollars a week from unemployment for the last year. He got layed off last November and he hasn't been able to find a job since. Our rent is $450.00 a month. Our utility bill is anywhere from $90.00 to $120.00 depending. We also have to pay internet (which we are behind on.) and about 7 other fees and bills. (2 of them medical that I have had zero money to pay. Luckily my doctor is pretty understanding.) I just got a job THIS LAST SATURDAY at Walmart. I like my job a lot and I am afraid of them calling. I don't think they will though because they do not have my social security number therefor cannot look up various info. (I don't think.) Unfortunately we did not receive a name from the gentleman that contacted us. We still receive statements from HSBC so I am just guessing that we only have to pay THEM not CRI.
I knew something sounded off about the way this guy handled our account. I have talked to creditors before, and never in my life have I ever come across someone so rude and conceded. The others I spoke with long ago were very friendly and helpful and they helped me out tremendously. I have no idea what crawled up this guys a** to make him this way. If it is the environment, why doesn't he just transfer to a different company? Better yet, why doesn't he just grow some balls and mature a little bit more. (He seriously needs to leave the 1st grade mentality IN the 1st grade!) His actions disturb me on so many levels.
I decided to do a little research on this company (something I do WHENEVER I am curious or something seems off) and found them to be 50/50. They are credible as far as being a legit company, but they are a huge fraud as far as how they allow their employees to handle their customers, or consumers. I am not exactly sure how to handle them at this point. Below I will list what happened in what order :

1. The gentleman called and asked for me.
2. I confirmed my name. He began the tirade.
3. I handed the phone to my husband mid-conversation before I lost it completely. (I am terrible when it comes to fighting and tend to spit some of the deadliest poison from my mind and my mouth.)
4. My husband listened to him for a while and calmly explained that all we could do was a couple hundred a month payments. (FYI : They guy came right out and said that we owed the full amount without even negotiating. Last I knew that was illegal.)
5. He cut my husband off asking him obscene questions about our personal information as well as our personal finances without letting him answer.
6. My husband was tempted to hang up, but out of good nature didn't.
7. The guy asked if he had hung up and when my husband took a deep breath, the guy hung up on us. The End.

At that point I was sorely confused and a bit bewildered as to why someone would treat other people that way. We can barely afford to pay rent. (We have been borrowing money from our parents, our relatives, and even our friends to help us.) I had my unemployment revoked because apparently moving out of the city was against acceptance or something. (Even though I triple checked my info on my claim to make sure it was right and they called me personally to say that I WAS eligible.)
*Rolls Eyes* Whatever. At any rate I know for a fact that he was unprofessional, uncivilized, and very undermining. He talked to my husband who happens to be VERY good at math and finances alike as if he was stupid. Believe me when I say my husband is NOT stupid! I don't consider pre-calc honors to be stupid! This guy was a dumbf*** and a disgrace to an otherwise reputable career. He knows NOTHING about our lives and what we go through each and every day just to live! (Sometimes I don't even think its worth living.) But my husband reminds me that he will always be there for me and help us see through to the end. For that I am grateful. He was just as upset as I was.
I was tempted to call back, but had a premonition that something was amiss. Good thing I didn't! Once I did some research, I came across some pretty bad things about this company. I told the guy over my husband that and I quote : "I really do wish I could make money fly out of my a**. Believe me if I could, we wouldn't be in this mess!" (ROFL right?) Yeah. I have invisible balls that allow me to stand up for myself. At least that's what i'v heard. I have guts too, and a pretty strong backbone. I don't allow ANYONE to walk all over me, and if for some reason they do. Lets just say this : revenge is the sweetest of all evils.
I am going to take all the information that I read about here and put it to good use any way that I can. Now that I have a job, if I have to go to court, at least I can afford it! (CRI : BURN IN HELL! AND IF i AM TO SEE YOU THERE : WATCH YOUR BACK!)

I recently received a phone call from a "John" from CRI. He was very rude and insisted that we pay the full amount by tomorrow! I could not believe this guy! We have been scrambling to get the money together to be able to pay one lump sum because sometimes that's the easiest thing to do. I JUST had a baby on the 13th so we have many bills to pay yet. (She was a surprise.) We love our child dearly and do not want her to grow up in a less to do family! We have a lot of other bills to pay including a few that have not been payed since before we were married. We have been on unemployment, (both of us) and have been trying our best to pay the bills, go to my doctors appointments and feed ourselves. I just cannot understand why or how someone can be so awful!

I am a single mother to a one week old and an almost 3 year old so as you can see I have my hands full. I was recently contacted by a representative at CRI and I can tell you that they acted VERY inappropriately! I did my best to keep my 3 year old from hearing what this man shouted. I also held my temper in for her sake. I plan to file a complaint regarding the employee and a dispute about the money that I never even knew I owed. Good luck to the rest of you! I hope you get heard.

The magic words are... "I have a recording device connected to this phone line. I am making a complete recording of this telephone conversation." Then state the date and time and ask, with who am I speaking and on what specific authority are you attempting to contact me ? I will ONLY respond to written communication.

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what is hillary jones real name? i have been harassed by this clown before

My question is what can Corp. Rec. do to you if you dont pay them sue you? keep trying to collect .. If Debt not paid it'll just go to your credit report as a Bad Debt righ?

People that are being harrassed by Corp. R. need to check their credit report to see who actually own the acct. I checked my when the scumbags started harrassing me about a co-signed D. Bridal for my daughter. HSBC still owned that acct according to my credit report. I called HSBC and told them how terrible this company was (they even threatened bodily harm!), and HSBC said I could continue to pay them instead. I quickly got my daughter's payments up to date and now send them their regular monthly payment. As far as I could tell from my C. report, Corp. Recievables just made an inquiry to my credit. They didn't own that acct. and I called them back and ripped them a new one. Haven't heard from them since!

Stay away from Erica Black, that woman is Satan. She is so rude and so disrespectful, I can't stand her. If I ever saw her on the street I would trip her in a puddle and then laugh at her for quite some time. Those people at CR suck. They are all manic depressants who love taking out their frustrations on deadbeats like us. I would pay best buy if I was satisfied with the product, but since Im not, Im going to keep it and they can eat me. What are they going to do. Nothing!

I was going to post my experience with CR, which was not the greatest, but not the worst. Instead, I will just leave a comment about what I read here. I think it's funny (not that we are in collections or having to deal with being unemployed and such) but that High-guy and others who blatantly say they are not responsible for paying because they are not satisfied with the product-that is funny. High-guy is the kind of person who blames others and never takes ownership for his actions. Again, I'm unemployed and can't pay most of what I owe. I don't blame anyone other than myself. I keep a positive outlook and I know things will get better for me and hopefully for everyone else. I also don't blame the banks and collectors for calling and trying to get their money. I spent the money and one day I will hopefully pay it back.. that's all. Best wishes to all

Dear Readers,

I have had the same problem with a person by the name of Bob Jordan, and he is also a jerk, I called to find out what I could help him with, because my husband is out of town and that he could not be reached. And I told him not to be calling everybody and their mother, and especially people's work because they don't appreciate people like him calling and making the employee look bad at his job. He told me that I need a power of attorney to talk to him and I told him that he was full of it. All I was asking was who he owed the money too so that I could relay the message. And in other words he told me to"go to hell". So what should I do?

Aaron Bell=Aaron Matthews 623-670-1473
Hillary Jones=Hillary Flyn 602-615-9097
Erica Black=Erica Covarubias 956-458-9707
Alvin Vela=Alvin Vela 956-225-3247

Manager Jack Nichols=Jack Nizynski 602-404-2727
Manager James Fisher=James Wise 956-581-1704

Let us know if you need info on who to contact at HSBC, Arrow Financial, Taxmasters.

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better yet tell them you or your husband won't speak to them until they send something in writing first.if you haven't gotten anything yet.make them send you at least a dunning letter.that is your right by law to ask for that,and receive it when requested.

AWWW .. HELLO Y'ALL.. ITS SWEETNESS!! .. (check back pg 16) ..

NOW I HEAR Y'ALL BACK UP ON HERE W/ ALL THE SAME OL DANCE & SONG Y'ALL WAS SINGIN TOO IN THE BEGINING OF THE YEAR..

WHAT!!!!!!!

YOU MEAN TO TELL ME Y'ALL STILL AIN'T PAID Y'ALL BILLS UP TO DATE!!?!?!?!?! ..

GET OUTTA HERE!!! LMAO..

HOOOOOOTTYYY HOOOOO ....

STOP CRYING PEOPLE ..I HAVE THE SOLUTION .. LISTEN UP

*** ATTENTION **** ATTENTION **** ATTENTION ****

A WAY TO RID CRI FOREVER ...

"PAY YA DANG ON BILLS" ..

THIS IS NOT BURGAR KING YOU CAN NOT HAVE IT YOUR WAY ..

RECESSION & ALL.. EVERYBODY IS STRUGGLING IT'S NOT JUST YOU!!! HELLO!!! ..

OH BOY DO I FEEL ALOT BETTER!!!

THANK YOU ONCE AGAIN PAUL OR WHOEVER YOU ARE FOR ALLOWING THIS POST TO GO THRU!!

Y'ALL WILL BE HEARING FROM ME AGAIN ..

TOODLES!!

yes i let it go through to show what this forum fights everyday.besides as long as you keep it civil it stays...till next time.

I have debt on a Yamaha four-wheeler that is now up to $10,000. As we all know things happen and payments can't be kept up sometimes. I was told from HSBC a couple of months agothat repossession was the only course of action. Unfortunately I decided to have that happen. However, the ATV was never repossessed.

Yesterday I received a call from Aaron Bell. He was rude but not to the extent others have stated (he did laugh at me when I said I couldn't keep up with payments, asking if I knew how to read). To me he sounded like an attorney so I asked him if he was a lawyer. He replied "I wouldn't pay $100,000 for school if I wasn't one". He also stated that he could even get me for credit fraud.

Long story short, he said I either can come up with $7,200 to settle the debt or the ATV will be repossessed and my wages will be garnished (unemployed currently with only student loans, grants, and G.I. Bill as support).Any advice as to what the best course of action should be? Something tells me Aaron Bell isn't a lawyer at all.

AAron Bell is NOT a lawyer! Definitely a liar, but not a lawyer! He can't get you for credit fraud. He will just harrass the heck out of you! Don't take any of his threats seriously. He actually threatened to come and get me. *eye roll*

I had an account with Best Buy/HSBC. My hours at work were cut and we are no longer allowed any overtime...I am used to getting 15-30 hours a month of overtime. My account min payments also jumped from $35 to around $200. When I couldn't keep up with the new min payments I was referred to CR. I have been dealing with Robert West. My finances are getting better and we have been able to make payments...I have made $250 payments every 2 weeks over the last 6 weeks. However he is now telling me that the amount we originally agreed upon has gone up and that he won't be able to give me a "deal" until I can pay in full. He hasn't been rude, but I do feel like I am getting the run around. When my husband originally talked to him he told him we would make payments around the middle of the month in Jan, Feb, and Mar. Now it is Feb. 3rd and all of a sudden it will cost me an extra $150 to pay it off then what he told me 2 days ago and he says it will continue to increase. I am fine with interest being added, but there is no way that interest should be $150 on a $900 debt.

Nobody with an ounce of self respect would work for those jokers. Once you understand that about them they're easy to figure out. These nimrods CAN"T work anywhere else because they'd be fired in a week, maximum. They're total losers trying to compensate for some massive sense of inferiority. They're also fairly illiterate. Get a little phone recorder, let them run off at the mouth for a while, then play their voice back to them by holding the recorder up to the mouthpiece. Get them making some outrageous phony threat, play it back and ask them if they can identify that voice... hahahahahaha... let them say something real nasty and false, like they are a brain surgeon and federal judge at the same time and are moonlighting by doing phone harrassment, so ask them if they can help you understand better what they're saying and say, so is this what you just said, then play their threats back... see how thrilled they are!