Consumer Recovery Associates Agressive debt collection, attempting to collect on expired SOL debt Virginia Beach Virginia

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Bottom line is they are breaking the law. They cannot use threats to collect the debt. If they say they are going to sue or go to the IRS that is what needs to happen. Next time record them which is legal because of their pre-reocorded message of this call maybe record etc..... ( so it goes both way..at least in CA) It is very clear under the FTC the threats are not allowed to collect a debt. Also they are required to give their first name and last name if not their name the employee id number and company information. They cannot lie and say we do not take payments by mail. Send them a letter in writing asking for proof that the debt belongs to you and request to only be contacted by writing and they can no longer call you. If the debt is beyond 7 years to bad for them it cost more money to sue you for such a small debt. However if the money is owed the debt morally should be paid.  Collection companies use these tactics because there is not a lot they can do for minor debts other than scare the consumer into paying. The debt can never be place back on your credit report after the 7 or 10 year period depending on the type of debt. They will just sell to another company and more than likely the collection companies cannot provide documentation the debt is yours. So they cannot collect the debt if they cannot show proof of debt. The majority can't because after the accounts get sold over and over again and the age make it hard to provide proof.

From reading this to me it sounds like some one is trying to scam money from you. IF I were you I would stop talking to them. If they call imform them that you checked your credit and there was no Bank of Marin on your report and imform them that you know this is a scam and if they call again you will report them to the FBI and the Police

OK, I called them back this morning, to try to get the name of the company and the address at which to send correspondance. (I have both, because I ran down the company name/address through the internet, and called the office after hours -- their voicemail gives the company name as CRA, which is linked in multiple places with the company name Consumer Recovery Associates, as well as other aliases that trace back to the same company -- but I wanted to give them a chance to give it to me.) No dice. I spoke with a Richard Scott. I asked for the company name and address. After a long pause, he said my name (first and maiden, again) and I confirmed that that was me. (they must have caller idea... although my husband's cell, that I was using, is not in my name... and certainly not in my maiden name. So weird.) He asked if I was calling to make a payment, and I said that I was calling to get the name and address of the company, so that I could communicate in writing and have a written record of any business with them. He informed me that they do not take payments through the mail, and that I could pay by phone. I said that I was not willing to do that, as I believed the company, and specifically the person I spoke with yesterday, was already in violation of the FDCTPA. He then asked for my address, which I refused to give over the phone. I reiterated that I wanted to communicate in writing, so that I would have a written record, and again asked for the company name and address. He again asked for my address, and I again declined, asked for the company name and address, and asked why he could not give it to me. Mr. Scot replied, "Good-Bye, (my name) and hung up. I have already reported yesterday's exchange to the FTC, and will be reporting this exchange as well, and following up with written communication to the address that I do have asking them to cease any contact of myself, my family, my job, and my associates by phone, and contact me only by mail, and asking for validation of the debt they claim that I have, as well as validation that they are, in fact, legally allowed to collect it.