Paragon Way called me, need some info on them

Guest,

Paragon Way, Inc is a Texas based collection agency. They also operate from New York. You can contact them at ???

2101 W Ben White #103
Austin, TX 78704

Make sure that they are legal owner of the debt that they are collecting. Ask them to validate the debt. Send them CMRRR asking for some written log of your debt. Go through the debt validation article here for a better understanding ???

http://www.debtconsolidationcare.com/validation.html

thanks for the info

Paragon Way inc has sent me a bill that was included in bankruptcy in 2002. Is there a direct number where I can reach someone in person at Paragon Way Inc.

Thank you
Corlon Barnes


Email deleted as per forum rules and acc # deleted for your safety-Mike

Apparently this company is also listed under Collins Financial Service phone# 512-347-1492

They have a website...cfsi.net
Hope this helps.

They are both a CA and a debt buyer. Definitely validate with these guys. A while ago as I was climbing out of my payday loan mess, they contacted my regarding a charged off payday loan that they had purchased. I sent them a validation letter that specifically requested proof of ability to collect (legal ownership or assignment) and I also have them two specific ways to contact me (email and to me in care of my attorney. Guess what they never responded.

On a good note though, they appear to be fairly on the up and up, the one phone call I had (where I stated that once I received their letter I would respond with a request for validation) was polite, and they even gave the mini miranda. Also too, they were even licensed properly in my state.

JJ, you can contact me @ 888-570-5007 ask for x 1110, and I will get you taken care of. I am the Dispute Fraud Resolutions Coordinator there.

Also FYI it is our company policy not to correspond through email. And if you are represented by an atty just leave his name and number and we will contact him.

Boyd

two questions Boyd.. 1) why no email correspondence? 2) why no written response?

Thanks for offering your assistance though. What are the possibilities of negotiating a settlement or at least payments over a period of time. the settlement offered was not bad, but not doable in one chunk.

I received a phone call from a "Paragon Way" phone # 1-800-486-3187. They wanted to confirm the last 4 digits of my social and my address. I asked what it was in reference to, what was this company and the girl that called started to get rude. I asked to speak to a manager. A Mr. Johnson came on and he was rude as well. I asked them to take me off of their calling list and they said they would keep calling me until they got the information they wanted. I told them I was going to report them.

They are a collection agency that also buys bad debt. From what I can tell they generally try to be PDCPA compliant.. remember if they are trying to collect a debt they have five days from initial contact to get you something in writing.

I had the same problem with this company as Ladyjwolff a couple of weeks ago. The guy called acting all tough and demanded me to tell him the last four numbers of my SS number. I demanded to know what the call was about, but he refused to tell me and just kept saying his name, that he was with this Paragonway company and refused to tell me what the call was about. When I poited out the stupidity in giving out that kind of information to an unknown person he said that we would talk again and hung up. This same person in now calling up, asking me if I'm Xxxxx Xxxxxxxxx (my name) and then hanging up the phone without saying another word. It looks like Paragonway is looking to see how many times they can be sued.

I'm not in debt. I need no assistance. You may be trying to reach my ex-husband Robert M. Jackson --he isn't here. PLEASE STOP CALLING ME. THANK YOU!!

Janet, can you tell the name of the company you are addressing your issue? I hope you might have mistaken with the company you are looking for in this forum.

This collection account just showed up on my credit report. It shows them collecting for Bank of Delaware and never has anyone from Bank of Delaware nor Paragon Way/TXCollect ever made contact with me. They are collecting for a payday loan back in 05/03 and 3 years have gone by with no letter, phone calls or anything...just threw this collection account on all three credit reports.

I am going to tell them to validate and prove this belongs to me.

Did you have a loan with Check N Go? Read this thread here.

http://forums.debtcc.com/settlement/checkngo-email.html

Yes, a very bad one. A couple of weeks ago, Paragon way computers systems some how managed to debit my bank account regarding monies owed that were not expected to be paid out until the end of the month of July. But the way they have it set up, some reason it did it early and had a negative balance in my account. When I asked what happened no reason could be given accept a glitch in the system. When I asked how long it would take them, they told me that they were unsure. I would be careful about giving out any and all bank information to these people. For future refference use a prepaid debit card.

We just received a billing from Paragon Way asking for collection on a debt of over $2,000.00. This debt was taken care of 3 years ago. I have to pull out all old info on this debt to clear it up. My question also is whether this is a legitimate company or a fraud.

Anyone else out there with info on this company??

I have also been receiving calls from this same company - they leave messages constantly on my machine. I have talked to them once and they argued with me about my social security number too. I also refused to give them the last four digits of mine and they started argueing very rudely - So, I told them they needed to learn some manners before they called me again and then just hung up on them. I found their website online if anyone is interested... collectx.net/

Hello everyone my wife got a call today from paragon way a Kendra Storm ha ha nice alias right so she gets home from work and tells me this company called an left a message for her, so i call them back i get some guy named Daniel Rodriguez he tells me the accts are from 3 payday loans from 2002. I start to laugh i tell him those accts were disputed in 2002 and dispute letter sent to all 3 payday loan places long story short my wifes cousin is in jail right now for these and about 15 others so he tells me they will be reported to her credit i tell him stats in illinois is 6 years it used to be 10 years told him if he pulls credit reports he will see they were never reported. He says well the sol starts when we receive the acct thats when i knew i was talking to someone who has very little training in debt collections. Im a debt collector have been for 10 years. This gentlemen tells me he needs a copy of dispute letter I tell him to validate they own acct thats when he tells me that they have had the acct since 4/06 i say well ok did you send a validation letter out he says no so i just want to tell the people on here that if you have a run in with this company just ask them to validate and if they dont sue them thats what i plan to do if they keep pursuing theses dead debts sorry for the rambling everyone have a great day if u need there info just reply to my post

If you have problems with Paragon Way just file a consumer complaint with the atty general of Texas Greg Abbott Office of the Attorney General
300 W. 15th Street
Austin, TX 78701 there # is 1-800-538-1579 thats the # for consumer complaints also you can file with the better buisness bureau at www.bbb.com hope this helps you guys it did for me..

Quote:

Paragon Way also called me asking for the last 4 of my social. Not knowing who they were, I refused. Next thing I knew, they posted a 4 year old payday loan on all 3 credit reports. I immediately contacted them and paid the $310. That was on June 14th. It is now Sept. 19th and they still have not removed the item or marked it as paid in full. It is still showing as owing!

Firstly, do they have the right to put this on my credit report without any advance warning or correspondence?
Secondly, how can I have this item either removed or marked as paid?
I am in the midst of a refinance and this item is dragging my credit rating down!
Jeff Stilz

hey everybody, im 22 years old and looking for work i faxed Paragon way my resume and they called me back for a interview. im not trained in any form of collections interview is on thru. will write back

If you paid off the bill call them tell them u need a letter showing paid in full then give that to the company u are refinancing thru that should suffise them if not send them a letter stating you need to mark this as pif on my credit report or i will contact an atty and sue your company thats all u need to do but the letter should be okay

I hope you get this one. THis is for the guest that is the debt collector for ten years. I have faxed over my police report to paragon way. spoke to a heahter ext.1108 and they are still telling me that I need to send an affidavit with a notary seal and I just am at my last wit with them. Mike melrose sent me a letter. One of the bills is showing my name misspelled. I have disputed and disputed this with the the three trw's and I just don't know what to do next. Will you email me with any information. Any one that can give me insight to this. I don't know how to come back to this website
email address removed as per forum rules - Mike
. And someone mentioned-can they do this?

I have been reading a lot of bad information here on this board that may end up getting anyone who owes them sued, I sent a C&D and ended in court, now they are garnishing my pay check. They are a legitimate company, and I found out they are known as the collection company with a heart, on my other 2 accounts they set up an % free account with a small payment amount...that was a lot easier than court, be glad to answer any other questions ya'll may have..hope they can help you...

If you owe the bill theres no doubt you should pay it but if there pursuing people who have a legitamate dispute and they take them to court they will end up paying that person money. Theres no doubt they have bought some accounts that are disputed and to the lady who said she dont owe it if you have a real dispute and have documents to support you should file a lawsuit against them thats the only way to get it resolved..

You want to know why they supposedly give you such a good deal is because they buy the accts for pennies on the dollar thats why they just want you to fell like there helping you and if you got sued you should of paid it before then now you have attys fees and everything else if you owe the bill pay it!!!!!

Paragon Inc has appeared on my Mother's credit report. However, the original creditors does not belong to her. We have checked and doubled checked. All of her creditors she has even had is listed on her credit report.

Any recommendations on how to contact this agency? :roll:

I'd like to know which companies are represented by PargonWay. It would be nice to stat building a profile on this company. It appears that they are purchasing old debts that are no longer valid. Of course, if someone actually agrees to pay any amount of the debt, the debt can be called valid and stuck on your credit report. If the debt is not valid, I think the best course is to ignore Paragon Way and inform the 3 credit bureaus of an attempt at credit fraud.

After reading what everyone has written seems like I'm not the only one that is having problems with this company... I have PIF my bill to a dept store 2 years ago and they are telling me I still owe... I paid mine off before I refinanced 2 years ago and thought it was a done deal... just last week I got a letter from a Mike Melrose...what's up with this guy??

Actually the company you should be mad at is the department store that sold them the account. Send them a copy of your final statement showing a zero balance or a copy of a letter from the department store stating the account is paid and they will return the account to the orginal creditor.

I had a Walmart card go there faxed them my final statement, they apologized, removed their tradeline and never called again.

There are the same as

Collins Financial Service, Inc.

Same office, same staff

web site: cfsi.net


Hope this helps

I had an experience with Paragon Way a few years ago. I had a debt that went to collection status and was placed with them - I had no problems making payment arrangments and getting them paid off. The payment arrangement went on for several months, and when I ran into trouble making the payment a couple of times, I simply called them and told them, and we worked out an alternate arrangement. I found them very easy to work with.

Just my $0.02

everytime I do a search on this site for checkngo online or first bank of delaware Paragon way comes into the picture. Do they collect for checkngo online?

They have been calling me continuously day and night for 2 months now! Just a recording and I haven't called the #. If they are trying to collect a debt, I am on SS. Been disabled since 2000.

Nearly 6 years ago, I did payday loans. However, I know for a fact I had paid any and all, (considering I have never heard of this prior to last month)last month I checked my credit report, saw this company put in a dispute as it gave no information to what they were. Now i have recieved a letter stating that it was a payday loan. doesnt give the date, I will be requesting information validating the debt, but I know I paid for any and all payday loans I had ever taken out. Mainly because they said they could deposit my check. I wont lie, I dont have any paperwork backing this up, It was my stupid days and i didnt keep records of things. And I am talking about paragon way. What amazes me is that is says interest is 3.56 cents. This is the first Ive ever seen of this, as well as this would have to have been back from 5 to 6 years ago. *you would think there was more interest* I smell nothing but a scam. Any ideas?

just start harrassing them nonstop

get every fax number you can, and fax and fax dispute letters. And call them constantly

I got a deletion in 2 days

The only thing I have to say is this.If you borrow money you need to pay it back at some point in time down the line. Ask the people who are trying to purchase a home. To the people who claim they have paid their debt provide documentation. The bottom line is this if people would pay their debts then they would not be in collections!and would not be getting the collection calls in the first place.Rather you took the loan out 3 years ago it does not matter yall need to be responsible and take care of your debts and you would not have people like us calling your house in the firts place.People are complaining about the represenatives saying we are rude. Whatever! It's not our fault your in collections!

You said that you have been on disability since 2000 thats not a excuse not to pay your debt back. You borrowed the money am I right!so you should do the right thing and pay the money back. When you signed that contract with whatever company you borrowed from you said that you was going to pay them back! And your wondering why collectors are calling your house.

Ms Y....thank you for your insight into the collection industry - you're obviously an insider there. If you have constructive suggestions to assist our community members with debt problems, we welcome those suggestions here.

The majority of people that come to this site truly want to get out of debt and pay their bills on time, but have run into some difficulty along the way - job loss, layoffs, illness of self or family, etc. We're not losers, con men, criminals or the scum of the earth. We are simply people (like you) who have somehow gotten behind the 8-ball and are trying to get back out again. We have all come here seeking help, or to offer assistance to others.

I realize it's not your fault that the people you call are in collections. And it's quite likely that you're only here to sound off and say the things you can't on the phone. That's fine - but please understand that the very people you are criticizing for being in debt and in collections are the ones who, by means of paying their debt off to a collection agency, rather than the original creditor, are providing your paycheck.

Do your customers want to be in collections? No. Do they have a choice? Of course. Paying bills on time is something everyone wants to do. No one wants to be in debt or receive phone calls from a collection agency - especially one that violates fdcpa by being threatening the people they call, or one that is rude. Please consider the words you place here, and how you treat your customers....one day you may be on the other end of the phone when a collection agency calls.

:shock: :shock: :shock: Somebody left the basement door unlocked and a pest snuck in! :mrgreen: :mrgreen: :mrgreen: Anyone have the number for Orkin Collector Disposal! :mrgreen: :mrgreen:

SueBeeHoney70 Yes, I have received collection calls. And I'm like this I know that I borrowed the money so therefore I paid it back. I'ts hard to get the things you want when you have negative marks on your credit. I'm not trying to criticizie anyone I undertand things do happen but, lets be realistic people taking out loans in 2003 and its now 2007. It should not take 4-5 years for them to pay the money back. So, if you loaned somebody money in good faith under the pretense that they were going to pay you back, your saying that you would not want your money back at some point in time.

SueBeeHoney70 Yes, I have received collection calls. And I'm like this I know that I borrowed the money so therefore I paid it back. I'ts hard to get the things you want when you have negative marks on your credit. I'm not trying to criticizie anyone I undertand things do happen but, lets be realistic people taking out loans in 2003 and its now 2007. It should not take 4-5 years for them to pay the money back. So, if you loaned somebody money in good faith under the pretense that they were going to pay you back, your saying that you would not want your money back at some point in time.

SueBeeHoney70 Yes, I have received collection calls. And I'm like this I know that I borrowed the money so therefore I paid it back. I'ts hard to get the things you want when you have negative marks on your credit. I'm not trying to criticizie anyone I undertand things do happen but, lets be realistic people taking out loans in 2003 and its now 2007. It should not take 4-5 years for them to pay the money back. So, if you loaned somebody money in good faith under the pretense that they were going to pay you back, your saying that you would not want your money back at some point in time.

No, that's not what I'm saying at all. But your post was pretty inflammatory, and attacked someone who said they had been on disability since 2000 - you spoke as though you know the details behind their debt. From what I saw, the person posting didn't say what type of debt they had - only that they had a collection agency calling them for 2 months and that they had been on disability since 2000.

If the debtor had the means to pay the debt back, then yes, they should have done so, and if they make payment arrangements based on their income, they may still be able to come out of this situation.

Many people come to this site for help when they receive collection calls and don't know how to handle them. That's why we're here - to help. You won't see us telling people NOT to pay their bills, or to ignore collection calls. What you WILL see are posts advising people to obtain debt validation prior to agreeing to make payments on a debt if they are not sure it's valid. You'll also see us congratulating people when they are able to pull themselves out of debt.

I never have borrowed any money! I lost my job May of 2000 and was evicted! I want to pay it back but in 2001 was injured and disabled and been on SS ever since then. I cannot work! They will not accept $5 or $10 a month. (The Apt. company) Do not know what Paragon Way wants however. Should I call them and find out?

I just got off the phone with these people who were very vague because I wasn't who they were looking for...so then my roommate called back and they too asked to verify the last 4 of social..she said she was NOT verifying ANYthing without knowing what this was in reference to...she was VERY rude and said she would keep calling and HUNG UP!! I know companies like that take notation on their calling so she will QUOTE to them...KISS MY ASS next time they call...we are kinda looking forward to the tag game...I got online to find out who the hell they were and found your webpage...keep you updated!!! OHHHH...SCARRY COLLECTIONS>>>HAHAHAHHAHAHAHAHAHA....

I changed my phone number, they can't get ahold of me with harrassing phone calls. I am about to disconnect the home phone and go completely tracfone, at least there I can let time run out and get a new number every few months. They will have to find me to collect, isn't the first step in collecting-Location, Location, Location. You know those credit reporting agency only update that information ever so often, don't think they will have my tracfone number on file.

I have been inthe market for a new home.I finally find "My Dream Home",proceed to run my credit with a lender,and paragon way is on there for an account that I have no idea about. I reasearch the company, call them,notify them of my findings,and tell them that they eed to remove thsi eroneous information. the lady on the telephone states that I need to pay the debt. What should I do? Oh, by the way the collection that they placed on my account gave me a 35 point decrease in FICO,not to mention made me look like a poser. Please assist! I don't want to lose my dream home.