Sep 22, 2016
Just because someone on the phone calling you says you owe a debt does not mean you actually owe it.
If a voice on the telephone claims you owe a debt:
1. Demand the person give you his or her name, company name, and address
2. Demand a debt validation letter by US mail. E-mail no good.
3. Do not pay the collection agent or anyone else a dime until the debt is validated
Of course they won’t do this, no scammer ever will, so simply ignore them and block their calls.
If they are bothering you, report them:
http://www.consumer.ftc.gov/articles/0149-debt-collection (Threatening civil proceedings with no intent to follow through, or threatening criminal process in order to collect a civil debt is a violation of the Federal Fair Debt Collection Practices Act.) The same goes for endless telephone harassment
Also contact your local attorney general
If they continue to bother you, and you know you do not owe any money, tell them that you know this is a debt scam and that you are making a complaint to the police for extortion. Once you get a copy of the police report and they call you again , just read out the file number and the name of the PD or Sheriff’s office involved. Tell them you’ll be glad to send a copy to them at whatever address the jack***es are working out of now.
You'll probably have to yell at them and talk over them.
You have to get tuff with these people because, being akin to thugs, brute force is (metaphorically speaking), the only thing they understand.
Most likely this group:
http://www.credxdebtrecovery.com/
Cred X Debt Recovery LLC
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
! 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
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