Special Announcement: Ellis Crosby and Associates are not following fdcpa so if you are getting phone calls from their agents, please handle with care. Signup for free counseling and handle all problems associated with Ellis Crosby and Associates smoothly.
Hi, Boy am i glad this sight is here, today I get a phone call from a Ranae Ward from Ellis Crosby and Associates saying I am going to court if i don't take this one time offer and pay back the loan advance I took out from e-payday. The original loan was for $200 and Ellis,Crosby and Associates told me that I owe them $515. E-payday has already taken $360 out of my checking account, I think that's enough. If I don't answer Ellis Crosby and Associates will i go to court? Do I need a lawyer? Can I sue them for harassment for calling me at work?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.