CAR and Associates

Another Buffalo chip. Call them back, verify you are the consumer they are seeking. Verify your address and tell them they now have 5 days to send you details of the debt. End the call. When they send you the dunning letter, respond with a request for Debt Validation.

I work in the tri state area. I have heard of them. They said the same thing to me. I took Nascar's advice. They never responded to the debt validation and I have never heard from them since.

It's a scare tactic. Don't let them scare you.

I just got the same call but from a 202-684-7140 saying that the loan was 1200 but I'm now up to 4000 in fees. Today is Friday and I have until Monday before they file misdemeanor and felony charges against me. Can they do that?

so which is it? misdemeanor or felony?? lol

Debts are civil matters not criminal...a creditor can sue you but must go thru the process...

Who is the CA?

I just got off the phone with these people in regard to a payday loan. I aint payin 1485.00 up front. plus the dude said he got my email address as my firstname.lastname at ....he started to trail off saying that he doesnt see the rest, he was trying to bait me so I gave him a dummy email address and I BAITED HIM!

I received a voice mail message from Robert Wright of CAR and Associates indicating the message was solely for me, stating my correct name, and that he was calling about a fraud investigation associated with my name and SSN. The message also stated I was to call him back to discuss this important matter.

He also called my landlady and left a message indicating it was solely for her in connection involving a fraud investigation involving me, using my correct name, and she was to call him back to discuss the matter further.

This is a tactic employed by uscrupulous debt collectors and has been tried before by another debt collector claiming in one call the rep was a federal prosecutor ready to file charges against me and by law, I had 24 hours to reply. A subsequent call from them several weeks later tried the same tactic, stating the rep was a prosecutor filing a civil claim against me in case no. (and indicated a case number). When I called back and wouldn't pay what they demanded, she punted to me to some clown who said he was an attorney and would prosecute me for criminal fraud in connection with a payday loan I obtained online. Then he hung up.

The original lender had been referred to PDL Associates, a payday loan settlement company that settles for pennies on the dollar and had refused to cooperate. Such deferred payday loans are specifically excluded from criminal charges in the loan contract, and is at best a civil matter. I referred the matter to PDL and Associates and never heard from the "prosecutor" again.

I suspect CAR and Associates is representing a payday loan company. Using threats of criminal and civil action is a violation of the Federal Fair Debt Collection Act and violators are subject to fines o f $1,000 per incident.

In addition, I had not received anything in writing from either of the above two collectors and they refused to provide something in writing about the details of the debt, etc.

If I haven't receieved anything in writing from them, I don't bother to respond, but I do report them to the FTC and the CA Attorney General and the Attorney General of the state in which the call originated.

I just got a call from them for a call back stating that I missed a court hearing and it had to do with the county of Maricopa where I live. They also provided a case number in the message. I freaked out and didn't know I was going to court so I looked through all my mail and did not find one single court order for apperance. I flip out when it comes to the judicial system. I don't even know if I should call them back. What do you guys think I should do?

check with your court clerk to confirm no court date or case was filed.if not file AG,and FTC complaints against this bottomfeeder.i wouldn't speak to them on the phone if there was no court case.waste of your time.

I have received calls from this company and have asked serveral times for something in writing stating what company they are representing. I was told by Mrs. Blackman very rudely and in fact she was yelling at my telling me that I was using a stall tactic and that I would be facing criminal charges if my account wasnt taken care of by the end of August. After getting online I realized that this company is bogus. And after I told them my lawyer would be contacting them I havent heard from them since.

I just got a call from Car&Associates stating that my son had defaulted on a payday loan and that I could settle it for 673.00 (the debt owed the payday loan company was only 488.00). I told them I would pay it but now I am not sure the company is legit. I tried to call the payday loan company but they would not discuss the issue and could not say what collection agency had been contracted. What can I do????!!!

The best thing you can possibly do is hang up on them. And then file complaints with the Federal Trade Commission and your state Attorney General's office. They're breaking federal law by telling you anything.

CAR is a debt collection service out of Depew Ny that scams people who are in Pay day loan debt. What they do is by this debt and add over 30%-75% more than what you owe. They threaten people and try to scare them in thinking they are going to be sued throught the court systems. The people that they have working there are thieves and liars, trust me I used to work there. Don't pay them anything until you verify how much you actually owe from this loan because they will rob and steal from you.

CAR is a debt collection service out of Depew Ny that scams people who are in Pay day loan debt. What they do is by this debt and add over 30%-75% more than what you owe. They threaten people and try to scare them in thinking they are going to be sued throught the court systems. The people that they have working there are thieves and liars, trust me I used to work there. Don't pay them anything until you verify how much you actually owe from this loan because they will rob and steal from you. That name is alias

CAR is a debt collection service out of Depew Ny that scams people who are in Pay day loan debt. What they do is by this debt and add over 30%-75% more than what you owe. They threaten people and try to scare them in thinking they are going to be sued throught the court systems. The people that they have working there are thieves and liars, trust me I used to work there. Don't pay them anything until you verify how much you actually owe from this loan because they will rob and steal from you.

I have just received a letter faxed to me from them phone #877-835-5844

i had recieved a call from CAR & associates telling me i owed them 680.00 when my loan was only 230.00 i was advised when i got the payday loan i signed an agreement with check n go that they CAN add up to 400% yearly i talked to check and go its true they can add up to 400% yearly, thats a rip off!!! I thought it was a scam, some collectors so i hung up on them, i thought it was over about 7 months later i was served court papers to my work with not only a process server but also with a local police officer! Soooo embarassing!!! Me and my husband now have a judgement against our home and cannot take out any loans, my husbands laid off and i cant sell the house until the judgement is taken care of, I dont have the money for a big shot lawyer and to pay this back without taking out another loan.... not sure what to do about the situation....

i was waiting for a shill to come on,and here you are.the above scenario didn't happen.

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On the phone? I work for the Jacksonville Sheriffs depeartment... So do your homework before you open your mouth, dont call me a liar when you have never met me. By the way stop slandering its against the law.

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I have gotten numerous calls from them at my office. It's the same guy every time but he has used the names David, Thomas Wolf and then the last few times he was Joseph Serrena a supervisor. It sounds like he is reading off of a script and he doesn't even finish what he has to say he just hangs up on my voicemail. Sounds like a bunch of tool boxes to me!

This company is calling me from unknown numbers and telling me the people serving my papers were there this morning and coming back this afternoon. If I am not there they will go to my job. I called them and told them if they want money from me to send proof they are repretable and stop threatening me. They hung up. They called back and asked me what I needed and I told them just there company name and then they went into a whole story about helping me and getting me out of trouble because they ar a mediation company. Complate crap. They have these guys with real deep voices like that is going to scare me.

THEY had a woman call me and say she's going to serve me in an hour then she said if u can call them then she wont need to serve me...so i call the 877 number then he ask if i can pay on it??? hmmmmmm ok....just serve me cause im not paying you and 2 other companies calling for the same loan which i have already paid and sent the proof to one email they gave me

I have defaulted on a payday loan in 2009. Just recently I have been getting phone calls from C.A.R.. Some of the numbers come up as 1-877-835-5844 or Unknown. Last Monday I recieved a call saying that I needed to contact C.A.R within 24 hours our someone would come to my home and issue me a summons to appear in court. I called back right away.

They told me that I owed $1,140.00 and with court fees and attorney fees I owe over $4,000.00 dollars. they said they would settle for $450.00 if I paid within 30 days. They would take payments, but only by credit card. I had set up a payment arrangement, using my credit card. Something did not make sense to me, why would they only except credit card payment?

I called my bank and reported my Debit card, that I had used to set up payment arrangements, missing. I did not feel comfortable.

A few days later they called me, to inform me that the payment did not go through and that If I did not have the payment in by 3pm they would call the courts and have the summons to court deliverd to my door step. I argued with him for awhile, than he hung up on me.

A few hours later another gentleman called and convinced me that the other guy went over board and that he would assist me. This time he made the pay off to be $600.00 a month. I told him I could not do anything until I recieved my new card, because once again he insisted on credit card payments only.

I have not given them anything and will not. I have searched the internet and can not find anything related to them. When I search the above address it comes up, UNFOUND.

I did go back to the payday loan company, that I had defaulted on and found that they say I am deliquent by $800.00. I will work with them to resolve this issue and will take the very helpful suggestions to attempt to eliminate all and any communication from C.A.R

I searched all over the internet for company info and could not find anything. The address they gave me is as follows: 5165 Broadway, Ave Suite 253, depew, NY 14043


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I got several calls from them saying i owed for a payday loan i never took out that they would serve me and my mother in laws mother who i have no idea why she'd have anything to do with this she's 82 in a nursing home saying we commited check fraud. I paied them 100 today and 150 in 2 weeks just so they could have whatever so called debt i owed and stop harrassing me and my family.

I recevied a voicemail from CAR & Associates by a person named Scott Matthews. He advised that he is expected to appear at my job tomorrow to serve me a summons for a payday loan I had taken back in 2009 for CMG LLC (I have no record) and he gave me a phone number to call - 1-877-484-7025 with a file#105030. I called the number and spoke w/an abrupt guy named David Goldstein and while talking to him he was attempting to verify what he had in his system to be correct but not sounding sure when he asked me to verify my complete SSN after first asking me for my last 4 digits. He stated letters were mailed to me in October, November and December (didn't state the year) and when I asked questions, he abruptly shut me up to demand for him to speak. He stated this was a legal claim against me for fraudulent bank account and/or bad checks and he said I also used my sisters name when writing these bad checks. He said the bank I used had NSF at the time the withdrawal was to be taken to pay the loan back and as a result, I am subject to arrest if I don't clear this matter with him. He stated that I owed $1,900.00 and he could waive everything down to a upfront payment of $758.00. I explained I have no money and he offered me a settlement for $250 and he stated he would submit a hardship claim for me. I was in such a panic because I have never been arrested before so I gave my debit card information prior to checking online about this company or CMG LLC. After getting my debit card information, he stated he will mail out to me the letter that I was suppose to have gotten back in Oct, Nov and Dec (no year) although the payday loan was taken out in August 2009. What do I do now? I called my bank and reported the card stolen so no money will come out of my account but how do I stop the harrassment?

I also had a problem with them through my wife. Apparently she accidentally wrote a check to them to try and clear it and it bounced so they came after her through the court for check fraud. Be careful when dealing with these a$$holes. Anybody who works for people like this should be found and taken care of in an old school Philly way. If you know what I mean. Crooks plain and simple.

I just got a call this morning from them. They said that they were a legal office and I am getting served with papers at my door already. I then continued to talk to them and it was for a loan I defaulted on back in 09. At first he couldnt help me with payment arrangements, then he decided that he would help me, so I made a $25.00 payment and now supposedly there will be no cases filed against me and they are going to settle the balance. It is very interesting to me! Not sure how legal it is but I am getting as much information as I can and I am asking him to email me a copy of his contact information with his name, the company address, and so forth.

you got taken.this bottomfeeder won't do anything they threaten.cancel whatever method you used to pay this scam.again they are not a law offie but a bunch of law breaking humanoids.btw don't hold your breath for the contract as the loan was most likely illegal in your state.

I have gotten several calls from an unavailible number, the person always states they are from " legal services" and I need to call 877-484-7025. I have called them and yes they have advised me of the check fraud and I'm going to jail ..." blah,blah,blah". The thing is that they are stated I defaulted on a payday loan back in 2009 which I have no record of even taking out a payday loan. They have called my parents, my sister, my brother and told them that they are going to be served with a court summons. Come on people!! know your rights! I call them out on there BS everytime! Everytime they call you and tell your family or friends about bad, checks, debt, etc. they are beaking the law! They know it...they just want to sucker people into paying them money. Good thing my two brothers are lawyers...cause were looking for a fight. My best advice don't respond to these crooks

They call me all the time looking for someone els I have suffered from racial to sexual harassment from them I want to sue them and take all their money lets get together and do that. write back to this add in a week.

I am in!....100%

Has anyone here ever dealt with a guy named "Nick Holden" from CAR? I have a friend who has been receiving phone calls from Scott Matthews and she is very upset. I'm trying to get enough info about them to nail their a**es to the wall. Nobody effs with me or my family/friends and gets away with it. Thank you for any information you can give.

I am glad to help anyone in anyway when it comes to nailing these a**holes. They have been harassing my sister for a few months and now they have called and left a voicemail on my phone that I am going to jail. Well...guess what...I didn't erase the message. What they do is against all fair debt collection practices so let's do something. Let's file a suit against them lets get it classified as class action and get these bastards!!!

OMG!!! They left a crazy message on our machine today. My husband freaked out, he thought I was going to jail. I listened to the message & told him it was crazy. Do I need to call them back & ask for proof-there's not any, it didn't happen. I don't want them calling all the time.

Lets get them. Im sick of their crap as well

My mother, step father, and grandparents have received calls from these people threatening legal action against me. Today I called them back to see what the deal was and I got the same routine about a payday loan and a closed account but he could not give me any information past my email address and my home address. He said a court summons was going to be served on me today but since it hadn't yet, I could settle over the phone for a lesser amount. I did, not knowing exactly what was going on. Can I have this charge returned through my bank then go after them for these fraudulent practices?

If you work for the Jacksonville Sheriffs Department, then you know that they can't do that in Jacksonville. Liar!

C.A.R & Associates has called I.D as well. So be careful where you call them from! They WILL get your numbers from their caller I'd and start harassing whoever a phone you called from!!!

I am getting calls from different phone numbers as well. I am contacting my TV station in town and I will let them know about this agency. If you live in New York, please do the same. This people are harassing my family and I AM NOT GOING TO TOLERATED. Also already contacted my attorney and he said to have them:D contact your family members and have them to record the call. You need proof when you go to court. They are violating the FDCPA all over the country, I small collecting all the proof I can and they will heard from the court soon.
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yes, they called my brother and told him i have a pending criminal court case and if i do not give them money immediately they will be filing felony charges against me.