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Posted: 2/3/2006 5:53:36 PM EDT
[Last Edit: 2/6/2006 12:19:23 PM EDT by Templar223]
I'm an employer and I keep getting calls from CCB Credit Services in Springfield, IL for a current and recently a former employee as well. I sent them a letter (see below) dated December 22, 2005, letting them know that debt collection communications with my employees was prohibited at their place of work.

Well, they've been calling a-plenty lately for what is apparently a new "account". They were rude beyond belief. I'll let you folks read the gory details. Suffice it to say I was pissed.

I called for an officer to take a report on it today and he called the place. First they claimed that they hadn't called in three years (yeah!). Then five minutes later, they copped to calling for my former secretary in December (after the cop noted the letter, including names and dates), but denied knowledge of a Richard and Tiffany working there and, of course, they haven't been calling lately.

Five minutes after that, they finally copped to the whole thing - by now this cop is getting a little ticked. Twenty minutes to get them to say that they wouldn't call any longer.

The cop said to call him back if they call anymore and he'd make sure the SA's office would give serious consideration to formal charges. I'm filing a complaint with the IL Attorney General's office Monday. Someone needs to jerk a knot in CCB's tail.

ARFCOM HELP!
Should I decide to pursue this matter personally with the owner of the company by calling him at home around 8pm some evening (I found his name and home address at the IL Secretary of State website under the Corporate Name search), give me some ideas on where to learn more about him.

What I need from the great minds at Arfcom is free sources for:

1. Where can I go to find the owner if this company's home value without submitting a bunch of personal information? Isn't there a website where you can get that for free - I believe it belongs to one of those home equity loan places or whatnot. Pictures from anywhere?

2. Can I find out if he's been a bad boy before? Criminal arrests, etc.?

3. Ditto (#2) for his company... suits, etc.

4. Any creative ideas for lawfully making his life a bit more uncomfortable and complicated should I decide to make his life as a business owner a little more nuisance filled?

Any help you all can provide would be much appreciated!

Thanks!

John

LETTER TO AG AND NARRATIVE FROM LAST NIGHT

February 2, 2006


Illinois Attorney General
Consumer Fraud Bureau
500 South Second Street
Springfield, IL 62706



Dear AG’s Office:

I wish to file a formal complaint regarding illegal abusive and harassing debt collection practices. My company continues to receive debt collections-related calls from CCB Credit Services, Inc., (5300 South 6th Street, Springfield, IL 62703) despite my written notice that my employees were not permitted to receive such calls. This is in violation of 15 U.S.C. 1601, Title VIII, § 805. Communication in connection with debt collection [15 USC 1692c].

Furthermore, I believe the callers for CCB Credit Services have violated 15 U.S.C. 1601, Title VIII § 807. False or misleading representations [15 USC 1692e] (10) by using deception (blocking the caller ID for the call) in attempting to evade my earlier explicit instructions relating to calling our place of business to reach these individuals.

For a full narrative, please see the attached document. Also attached is my earlier correspondence to CCB Credit Services, dated December 22, 2005.

I pray that the Illinois Attorney General will help me in seeking relief from these harassing and illegal telephone calls from CCB Credit Services. I would appreciate it if you would investigate this matter and have these practices stopped. I may be contacted at the above address if additional
information is needed or you may call me at xxxxxxxxxxxxxxxxm.


Sincerely,

Joh­n


February 2, 2006
Illinois Attorney General’s Office
Consumer Complaint – Unlawful debt collection practices.

RE: CCB Credit Services

PRIOR NOTICE PROVIDED IN WRITING
Enclosed is a copy of correspondence I sent to CCB Credit Services on December 22, 2005, serving notice upon that company that debt collection calls to my place of business from their company were prohibited.

SUBSEQUENT NUISANCE CALLS
On February 2, 2006, at 6:51p.m., my office received a blocked call for Mr. James Kxxxxx. One of my employees took a message from a Tiffany asking Mr. xxxxxxx to call 1-800-272-1772. My employee said it sounded like a collections-type call as the caller was very evasive when asked what company the caller was representing.

I called the 800 number and spoke with an unknown male who, despite repeated requests, refused to identify his business. Before I could tell him that collections related calls were not permitted, he terminated the call.

I called again, and again got the same individual. He again refused to give me the company name, instead asking me a series of questions. When I refused to answer any more than his first two questions without knowing who his company was, he said, “Well, if you’re not going to tell me who we’re calling for, I guess you’re gonna get more calls. Hahahaha…” and he hung up. I called back again and when I refused to answer further questions posed by the man, he repeated his “I guess you’re gonna get more calls then, huh” before hanging up on me.

I called again from another line and answered, “This is Richard”. I identified myself and he said, “You got me again. I’ve got caller ID.” At this point he laughed and hung up.

After five to seven additional calls – and repeated hang-ups or laughter followed by hang-ups on the other end, finally “Tiffany” answered. While more mature and business-like than Richard, she too declined to identify the company. I told her that Mr. XXXXXXXXX, the target of her earlier call was not permitted to receive collections-related calls at this place of employment. I asked one last time if she would care to identify the company and she declined.

I did a reverse listing search for the 800 number and while I didn’t find a listing for the number she gave in her message, I did find one for CCB Credit Services in Springfield exactly one digit off (800-252-1772). I called that number and while nobody answered, the voice on the recording announcing that the office was closed was Tiffany’s.

The company is incorporated in Illinois and the president is listed as Richard Krech (41 Woodland Trail, Rochester, IL 62563. Tel: 217 498-2033).

PRIOR NOTICE


December 22, 2005


CCB Credit Services, Inc.
5300 South 6th Street
Frontage Road East
Springfield, IL 62703


Dear CCB:

I received a call from one of your representatives this morning reference an “employment check.”

During the course of the conversation, I asked the nature of the check and the company it was being done for. Initially the caller was quite evasive but finally divulged a minimal amount of information after repeated questions.

When I asked what “CCB” was, the caller told me that the initials didn’t stand for anything. I’m not too keen on divulging personal information about employees to strangers, so I asked what sort of company CCB was and the caller said, and I quote, “This isn’t twenty questions” and abruptly ended the call. I called your offices and spoke to “Marcus” who offered no apologies for the evasive and misleading nature of the call and the caller’s demeanor, nor did he offer any remedial actions to prevent this from happening again.

Thinking back over the years, this isn’t the first time CCB Credit Services callers have been deceptive and less than polite in calls to me requesting information about employees.

Three things have happened as a result of your representative’s call this morning:

1. I will no longer give any employment verification information to anyone without first verifying the nature of the call.

2. I have instructed my receptionist to screen all blocked calls for the caller’s name and the company they are representing.

3. I have written this letter to notify your company, CCB Credit Services, is not to call my company again, for any reason. I view your calls as unwelcome nuisances. Further telephone contact, via blocked calls or otherwise, will be met with a police report.

To assist you, here are my company’s main phone numbers: 217 xxxxxxxxx 217xxxxxxx.

It is clear from your company’s website that it is a collection agency. My employees are not permitted personal calls at the workplace and as such, you have no reason to call my company.

Perhaps your company appreciates deceptive and evasive employees. That is one reason your calls from your company are no longer welcome at my business. If you have a future request for employment verification, you may send them in writing.

Thank you for your attention to this matter.

Sincerely,

John
Link Posted: 2/3/2006 5:55:38 PM EDT
there's much you can do. Look up the FDCPA (Fair dept collection practices act) online and it will tell you how to handle all of this.

In hte middle of watching dateline right now or I'd type more.
Link Posted: 2/3/2006 5:57:18 PM EDT
Yes , You need to sue the craqp out of them.
Besides, think of any firearm you want and nuke em for that amount
Link Posted: 2/3/2006 6:02:02 PM EDT
[Last Edit: 2/3/2006 6:02:18 PM EDT by david_g17]

Originally Posted By Templar223:
...The company is incorporated in Illinois and the president is listed as Richard Krech (41 Woodland Trail, Rochester, IL 62563. Tel: 217 498-2033)...



fire mission?
Link Posted: 2/3/2006 6:04:53 PM EDT
www.budhibbs.com/cease_comm.htm

www.creditinfocenter.com/

Study these and use them in good health. Also, get out your asbestos undies because we are about to hear from a few of the self-righteous on this esteemed forum who are lining up to volunteer to cast the first stones...
Link Posted: 2/3/2006 6:08:45 PM EDT
Cool that you are sticking up for your employees like that.


Aviator
Link Posted: 2/3/2006 6:09:21 PM EDT
My ex roommate from a couple years ago put me down as a reference on his Bar-none car loan. He is always late and they keep calling me. I was nice the first few times and requested they stop calling me beause I don't know how to get a hold of him. Now I just yell at them and hang up. If someone puts your number down on credit references I think you are fair game to get calls.
Link Posted: 2/3/2006 6:09:25 PM EDT
My company finally settled a suit against two bitches that accused employees in another office of:

1. Smoking pot in the workplace and in their cars in the back parking lot.

2. Raping the secretary 29 times over three months. (This (married) secretary's shift was over at 5p but she'd come back at 8:20, ten minutes before close to do some "last minute work" and supposedly the rapes occured after everyone except the manager left. Uh-huh.

3. Contacting current clients and expressing the above two points and urging them to drop our services.

Sued them for libel & slander (we had an email one sent to a client) after we fired bitch #1 (a member of the local Crimestoppers Board of Directors!!!) for theft via falsifying timesheets and bitch #2 (secretary) for theft of cash during deposits. The thing drug (sorry if it's the wrong conjugation there) through the courts for almost three years... Only six months into it, the secretary filed an EEOC complaint alleging sexual harassment, rape and more. We even had testimony for bitch #1 saying that bitch #2 (secy) said she was filing EEOC to "make us pay."

After spending $32,000 AND a $5K settlement check (roughly what would have been profit sharing in our small company for two years), we settled the suit in exchange for her dropping us from the sex harassment deal.

You wouldn't believe how screwed FUCKED you are as an employer if some female goes to EEOC claiming sex harassment - even if it's complete and total bullshit as this was.

So, no, we won't be spending another ten or twenty grand going after some dipshit collection agency, especially when the FDCPA (Fair Debt Coll. Practice Act) specifies that damages shall not exceed $1000 per event.

I figure they (CCB Credit) will have to pay $1000 or more to defend against the AG's inquiry, perhaps more. For me though, I'd like to see if I can make it a little more uncomfortable than that for them.

John
Link Posted: 2/3/2006 6:16:50 PM EDT
Put the screws to those bitches. Make 'em squeal.


Collecting a debt is one thing.... harassing someone's employer is another.



I can't believe the calls we get at work sometimes from some of these people. I've gotten really good at recognizing them for who they are when they call.
Link Posted: 2/3/2006 6:20:01 PM EDT
I have always understood it to be ILLEGAL to call an employee at their workplace for such matters?!?
Link Posted: 2/3/2006 6:21:29 PM EDT
I have a current employee that is being garnished by CCB. Never had any contact from them until a court order came instructing me to withhold $$ and send to them. Bottom line I would tell them to piss off until they get a judgment against your employee. If and when that happens you HAVE to garnish their wages and send them to the collection company. If you do not you are liable for the total amount. Il allows you to add an additional $5 for your processing fee.

As a more recent encounter I had a payday loan company calling about another employee. Told them not to call again until they got court papers (they sent me official looking, but not real) court order. Never heard from them again.

What business do you own? Just wondering if I know you?
Link Posted: 2/3/2006 6:22:30 PM EDT
Answer the phone with "This call may be recorded for quality assurance" or something.

That or post the company's number on arfcom for a fire mission...
Link Posted: 2/3/2006 6:29:32 PM EDT

Originally Posted By david_g17:
fire mission?



If it was me and my company I'd be paying him a visit.
Link Posted: 2/3/2006 6:30:30 PM EDT

Originally Posted By P08:
I have a current employee that is being garnished by CCB. Never had any contact from them until a court order came instructing me to withhold $$ and send to them. Bottom line I would tell them to piss off until they get a judgment against your employee.

What business do you own? Just wondering if I know you?




I can't catch all of those calls ("some" at best!) and they often sneak through, especially during busy times... kinda messes up the employee's head for the rest of the day sometimes if collections people get ahold of them and start making all sorts of threats.

Sent you an IM about my company.

I also researched their website... looks like they have a husband and wife team working there as well. Maybe I should find their home address and phone as well.

John
Link Posted: 2/3/2006 6:32:18 PM EDT

Originally Posted By Templar223:
My company finally settled a suit against two bitches that accused employees in another office of:

1. Smoking pot in the workplace and in their cars in the back parking lot.

2. Raping the secretary 29 times over three months. (This (married) secretary's shift was over at 5p but she'd come back at 8:20, ten minutes before close to do some "last minute work" and supposedly the rapes occured after everyone except the manager left. Uh-huh.

3. Contacting current clients and expressing the above two points and urging them to drop our services.

Sued them for libel & slander (we had an email one sent to a client) after we fired bitch #1 (a member of the local Crimestoppers Board of Directors!!!) for theft via falsifying timesheets and bitch #2 (secretary) for theft of cash during deposits. The thing drug (sorry if it's the wrong conjugation there) through the courts for almost three years... Only six months into it, the secretary filed an EEOC complaint alleging sexual harassment, rape and more. We even had testimony for bitch #1 saying that bitch #2 (secy) said she was filing EEOC to "make us pay."

After spending $32,000 AND a $5K settlement check (roughly what would have been profit sharing in our small company for two years), we settled the suit in exchange for her dropping us from the sex harassment deal.

You wouldn't believe how screwed FUCKED you are as an employer if some female goes to EEOC claiming sex harassment - even if it's complete and total bullshit as this was.

So, no, we won't be spending another ten or twenty grand going after some dipshit collection agency, especially when the FDCPA (Fair Debt Coll. Practice Act) specifies that damages shall not exceed $1000 per event.

I figure they (CCB Credit) will have to pay $1000 or more to defend against the AG's inquiry, perhaps more. For me though, I'd like to see if I can make it a little more uncomfortable than that for them.

John



And women wonder why there is a glass ceiling... Ain't fair but neither is the bullshit a small biz owner has to go through.
Link Posted: 2/3/2006 6:37:20 PM EDT
tag
Link Posted: 2/3/2006 6:39:45 PM EDT
[Last Edit: 2/3/2006 6:40:48 PM EDT by hydroshok]

Originally Posted By Outsider_10fp:
Yes , You need to sue the craqp out of them.
Besides, think of any firearm you want and nuke em for that amount


Put it too their ass, i hate those sob's with a passion
Link Posted: 2/3/2006 6:56:01 PM EDT

Originally Posted By Aviator:
Cool that you are sticking up for your employees like that.


Aviator



Thanks.

I've found that being loyal to my employees and going to bat for them (particularly when they haven't done anything wrong) inspires loyalty and hard work from them. This particular employee always has a good attitude, works hard and does a great job - someone I wish I could clone.

Looking back at the caller ID, they've been calling at least once a day for this guy all this week. Probably an old medical bill of his when he didn't have insurance six or seven years ago.

It really pisses me off that there is so little in the way of penalties for out of control debt collectors like these.

Anybody got any links to learn more about Richard Krech and other employees at CCB Credit Services?


Know thy enemy before doing battle, eh!?
John
Link Posted: 2/3/2006 6:57:49 PM EDT
can their threads be locked for being rude?
Link Posted: 2/3/2006 7:01:34 PM EDT
Just looked at their web site, they just built a huge building on the south side of town. My company uses a different collection agency; we never get complaints about them. Just looked up his address on Mapquest and he lives down the street form a buddy of mine. Very large houses in that subdivision. One thing to keep in mind though, as the owner of a small business myself you do not always know what your employees are doing. We record all incoming and outgoing phone calls and keep the tapes for 3 months. If someone complains we can pull the tape and see what happened. Maybe if you call the owner you can get some action?
Link Posted: 2/3/2006 7:08:54 PM EDT

Originally Posted By Templar223:

Originally Posted By Aviator:
Cool that you are sticking up for your employees like that.


Aviator



Thanks.

I've found that being loyal to my employees and going to bat for them (particularly when they haven't done anything wrong) inspires loyalty and hard work from them. This particular employee always has a good attitude, works hard and does a great job - someone I wish I could clone.

Looking back at the caller ID, they've been calling at least once a day for this guy all this week. Probably an old medical bill of his when he didn't have insurance six or seven years ago.

It really pisses me off that there is so little in the way of penalties for out of control debt collectors like these.

Anybody got any links to learn more about Richard Krech and other employees at CCB Credit Services?


Know thy enemy before doing battle, eh!?
John



Tell this employee to go to www.artofcredit.com . It a message forum for credit. He can find out what his rights are. If the bill is that old, it might be out of SOL, statute of limitations. It might be too old to collect on. He can get them to stop calling him by demanding validation of the debt from the collection agency. There are many things that can be done, including negotiating a settlement.
Link Posted: 2/3/2006 7:13:59 PM EDT

Originally Posted By Bubblehead597:
I have always understood it to be ILLEGAL to call an employee at their workplace for such matters?!?



no, it's not illegal, but there are procedures they have to follow for making calls. That includes stopping once being told they are not to call there anymore.

Collection agencies should be licensed / regulated by a state agency. Find out which one it is in illinois and file a complaint with documentation.

That is guaranteed to get their attention. Depending on how much evidence you have of what went on, the owner / president my begin shitting bricks at the thought of losing their license to operate a collection agency.
Link Posted: 2/3/2006 7:16:30 PM EDT

Originally Posted By Templar223:
I'm an employer and I keep getting calls from CCB Credit Services in Springfield, IL for a current and recently a former employee as well. I sent them a letter (see below) dated December 22, 2005, letting them know that debt collection communications with my employees was prohibited at their place of work.

Well, they've been calling a-plenty lately for what is apparently a new "account". They were rude beyond belief. I'll let you folks read the gory details. Suffice it to say I was pissed.

I called for an officer to take a report on it today and he called the place. First they claimed that they hadn't called in three years (yeah!). Then five minutes later, they copped to calling for my former secretary in December (after the cop noted the letter, including names and dates), but denied knowledge of a Richard and Tiffany working there and, of course, they haven't been calling lately.

Five minutes after that, they finally copped to the whole thing - by now this cop is getting a little ticked. Twenty minutes to get them to say that they wouldn't call any longer.

The cop said to call him back if they call anymore and he'd make sure the SA's office would give serious consideration to formal charges. I'm filing a complaint with the IL Attorney General's office Monday. Someone needs to jerk a knot in CCB's tail.

ARFCOM HELP!
Should I decide to pursue this matter personally with the owner of the company by calling him at home around 8pm some evening (I found his name and home address at the IL Secretary of State website under the Corporate Name search), give me some ideas on where to learn more about him.

What I need from the great minds at Arfcom is free sources for:

1. Where can I go to find the owner if this company's home value without submitting a bunch of personal information? Isn't there a website where you can get that for free - I believe it belongs to one of those home equity loan places or whatnot. Pictures from anywhere?

2. Can I find out if he's been a bad boy before? Criminal arrests, etc.?

3. Ditto (#2) for his company... suits, etc.

4. Any creative ideas for lawfully making his life a bit more uncomfortable and complicated should I decide to make his life as a business owner a little more nuisance filled?

Any help you all can provide would be much appreciated!

Thanks!

John

LETTER TO AG AND NARRATIVE FROM LAST NIGHT

February 2, 2006


Illinois Attorney General
Consumer Fraud Bureau
500 South Second Street
Springfield, IL 62706



Dear AG’s Office:

I wish to file a formal complaint regarding illegal abusive and harassing debt collection practices. My company continues to receive debt collections-related calls from CCB Credit Services, Inc., (5300 South 6th Street, Springfield, IL 62703) despite my written notice that my employees were not permitted to receive such calls. This is in violation of 15 U.S.C. 1601, Title VIII, § 805. Communication in connection with debt collection [15 USC 1692c].

Furthermore, I believe the callers for CCB Credit Services have violated 15 U.S.C. 1601, Title VIII § 807. False or misleading representations [15 USC 1692e] (10) by using deception (blocking the caller ID for the call) in attempting to evade my earlier explicit instructions relating to calling our place of business to reach these individuals.

For a full narrative, please see the attached document. Also attached is my earlier correspondence to CCB Credit Services, dated December 22, 2005.

I pray that the Illinois Attorney General will help me in seeking relief from these harassing and illegal telephone calls from CCB Credit Services. I would appreciate it if you would investigate this matter and have these practices stopped. I may be contacted at the above address if additional
information is needed or you may call me at xxxxxxxxxxxxxxxxm.


Sincerely,

Joh­n


February 2, 2006
Illinois Attorney General’s Office
Consumer Complaint – Unlawful debt collection practices.

RE: CCB Credit Services

PRIOR NOTICE PROVIDED IN WRITING
Enclosed is a copy of correspondence I sent to CCB Credit Services on December 22, 2005, serving notice upon that company that debt collection calls to my place of business from their company were prohibited.

SUBSEQUENT NUISANCE CALLS
On February 2, 2006, at 6:51p.m., my office received a blocked call for Mr. James Kxxxxx. One of my employees took a message from a Tiffany asking Mr. xxxxxxx to call 1-800-272-1772. My employee said it sounded like a collections-type call as the caller was very evasive when asked what company the caller was representing.

I called the 800 number and spoke with an unknown male who, despite repeated requests, refused to identify his business. Before I could tell him that collections related calls were not permitted, he terminated the call.

I called again, and again got the same individual. He again refused to give me the company name, instead asking me a series of questions. When I refused to answer any more than his first two questions without knowing who his company was, he said, “Well, if you’re not going to tell me who we’re calling for, I guess you’re gonna get more calls. Hahahaha…” and he hung up. I called back again and when I refused to answer further questions posed by the man, he repeated his “I guess you’re gonna get more calls then, huh” before hanging up on me.

I called again from another line and answered, “This is Richard”. I identified myself and he said, “You got me again. I’ve got caller ID.” At this point he laughed and hung up.

After five to seven additional calls – and repeated hang-ups or laughter followed by hang-ups on the other end, finally “Tiffany” answered. While more mature and business-like than Richard, she too declined to identify the company. I told her that Mr. XXXXXXXXX, the target of her earlier call was not permitted to receive collections-related calls at this place of employment. I asked one last time if she would care to identify the company and she declined.

I did a reverse listing search for the 800 number and while I didn’t find a listing for the number she gave in her message, I did find one for CCB Credit Services in Springfield exactly one digit off (800-252-1772). I called that number and while nobody answered, the voice on the recording announcing that the office was closed was Tiffany’s.

The company is incorporated in Illinois and the president is listed as Richard Krech (41 Woodland Trail, Rochester, IL 62563. Tel: 217 498-2033).

PRIOR NOTICE


December 22, 2005


CCB Credit Services, Inc.
5300 South 6th Street
Frontage Road East
Springfield, IL 62703


Dear CCB:

I received a call from one of your representatives this morning reference an “employment check.”

During the course of the conversation, I asked the nature of the check and the company it was being done for. Initially the caller was quite evasive but finally divulged a minimal amount of information after repeated questions.

When I asked what “CCB” was, the caller told me that the initials didn’t stand for anything. I’m not too keen on divulging personal information about employees to strangers, so I asked what sort of company CCB was and the caller said, and I quote, “This isn’t twenty questions” and abruptly ended the call. I called your offices and spoke to “Marcus” who offered no apologies for the evasive and misleading nature of the call and the caller’s demeanor, nor did he offer any remedial actions to prevent this from happening again.

Thinking back over the years, this isn’t the first time CCB Credit Services callers have been deceptive and less than polite in calls to me requesting information about employees.

Three things have happened as a result of your representative’s call this morning:

1. I will no longer give any employment verification information to anyone without first verifying the nature of the call.

2. I have instructed my receptionist to screen all blocked calls for the caller’s name and the company they are representing.

3. I have written this letter to notify your company, CCB Credit Services, is not to call my company again, for any reason. I view your calls as unwelcome nuisances. Further telephone contact, via blocked calls or otherwise, will be met with a police report.

To assist you, here are my company’s main phone numbers: 217 xxxxxxxxx 217xxxxxxx.

It is clear from your company’s website that it is a collection agency. My employees are not permitted personal calls at the workplace and as such, you have no reason to call my company.

Perhaps your company appreciates deceptive and evasive employees. That is one reason your calls from your company are no longer welcome at my business. If you have a future request for employment verification, you may send them in writing.

Thank you for your attention to this matter.

Sincerely,

John


There are federal guidlines about this you need to get an attourny and file a law suite they are in violation of the FDCPA guidlines. they are supposed to stop calling if you tell tem that the employee is not allowed to recieve personal calls at work I know this because I worked for a collection agency. Sue there pants off.
Link Posted: 2/3/2006 10:24:29 PM EDT
Too bad they don't just pay their debts. Would solve all of this. Usually if the debtor and the agency come up with an agreement on a payment plan, and both sides stick to their agreement, the calls all but stop.
Link Posted: 2/4/2006 7:37:34 AM EDT

Originally Posted By Destro333:
Too bad they don't just pay their debts. Would solve all of this. Usually if the debtor and the agency come up with an agreement on a payment plan, and both sides stick to their agreement, the calls all but stop.



Mr. K says that he has documentable proof that he was in California when this bill for "his" medical services was issued from the local Catholic hospital. He says it was his old girlfriend's boyfriend that used his name, SSN and DOB.

Note the key word there was "says". It's not my job to adjudicate who's responsible for what. The point is I told those assholes to not call my office and they continue to do so. And federal law says I might get my legal bills back trying to get up to $1000 per call. The cost-benefit there doesn't excite me.

I think I'll go to work on that regulatory agency in addition to the AG. I'm not looking to spend tons of time on this (again, cost-benefit ratio), but I am looking for "bang" for the buck.

And while I'm semi-skilled at long distance precision rifle shooting, I don't mean "bang" as in cartridge firing either!

John
Link Posted: 2/4/2006 7:41:15 AM EDT
It's $1,000 per violation for the collection agency. Know your rights, and take advantage of them.
Link Posted: 2/4/2006 7:52:32 AM EDT

Originally Posted By Templar223:

1. Where can I go to find the owner if this company's home value without submitting a bunch of personal information? Isn't there a website where you can get that for free - I believe it belongs to one of those home equity loan places or whatnot. Pictures from anywhere?




IL Secretary of State corporation records.
Link Posted: 2/4/2006 8:04:13 AM EDT
I'm not sure how much money you are wanting to spend but this website was featured on TV because they were so successful in gettting information for people. www.bestpeoplesearch.com/ They were being featured for being able to get cellphone records of most people. They had the attorney for the company on to defend the company. Then the host starts asking the attorney who he called in various cities and pulled out the lawyers own cellphone record that he had obtained from the company. The lawyer didn't react much but you could tell he was a little bit suprised it happend to him.

The site also offers property lookups, background checks...ect.
Link Posted: 2/4/2006 8:22:29 AM EDT

Originally Posted By Destro333:
Too bad they don't just pay their debts. Would solve all of this. Usually if the debtor and the agency come up with an agreement on a payment plan, and both sides stick to their agreement, the calls all but stop.




A big +1 to that.

I feel your pain getting these calls,but they are just trying to collect on a debt.I've had the sherriff called on me a few times-if you bounce a check on me and don't answer my calls or return mail,I'm going to make a scene if I catch your ass anywhere.

I can't see suing a collection agency,but that's just my opinion.

The more people I meet,the more people I friggin' hate.
Link Posted: 2/4/2006 8:42:49 AM EDT
tag
Link Posted: 2/4/2006 7:38:47 PM EDT
[Last Edit: 2/4/2006 7:48:52 PM EDT by prk]

Originally Posted By Destro333:
Too bad they don't just pay their debts. Would solve all of this. Usually if the debtor and the agency come up with an agreement on a payment plan, and both sides stick to their agreement, the calls all but stop.



Talk about presumptuous!!

Too bad the agencies often lie, get multiple people to contact the debtor (one making an 'agreement', others denying that there was one, etc.), and apply all sorts of illegal threats and other tactics, even when the 'debt' they're trying to collect either doesn't exist, was already paid, or is in dispute.

You must live in a dream world. Here in real life, the agencies can't be trusted (see original post), because so many of them have deplorable ethics. If you didn't get their 'agreement' in writing, it's worse than if you never spoke with them. Dealing with them on the phone is beyond useless.

You might as well have said, "Too bad people don't just 'roll over' when there is a dispute, and pay whatever they're asked to, whether it's correct or not".
Link Posted: 2/6/2006 7:29:53 AM EDT

Originally Posted By prk:
Too bad the agencies often lie, get multiple people to contact the debtor (one making an 'agreement', others denying that there was one, etc.), and apply all sorts of illegal threats and other tactics, even when the 'debt' they're trying to collect either doesn't exist, was already paid, or is in dispute.


+1

Washington state had a problem with debt-collection agencies tacking on additional "fees" AFTER the debtor had fully paid off the original debt. These new "debts" from "additional fees" then got sold off to other debt-collection agencies, and so on, and so on, and so on, trapping the debtor in a web of collection-agency fraud.

A relative of mine keeps getting calls five years after his credit card company agreed that his card number (not the physical card, just the number and exp date) had been stolen and used illegally. The thieves used the information in England, where the credit card company isn't allowed to tell merchants to eat the bad debts. So the credit card company continues to harrass my relative, even though they know he wasn't the one who made the charges and that the card information was stolen.

Oh, and because the callers are from within the credit card company -- not an external debt-collection service -- this is legal under the federal laws that were created to protect against such abuse. "in-house agencies" don't fall under the laws prohibiting that sort of harrassment.
Link Posted: 2/6/2006 11:26:03 AM EDT
this is no shit real story. I had a caller that called to bother me over some thing I cant re at this time what it was but we talked for a few min and then i told him right up front hey you can not call me here I do not have a phone. Swear to god the dumb ass said real serious like ok I am sorry sir and hung the phone up never to be heard from again
Link Posted: 2/6/2006 11:54:08 AM EDT

Originally Posted By Templar223:

Originally Posted By Aviator:
Cool that you are sticking up for your employees like that.


Aviator



Thanks.

I've found that being loyal to my employees and going to bat for them (particularly when they haven't done anything wrong) inspires loyalty and hard work from them. This particular employee always has a good attitude, works hard and does a great job - someone I wish I could clone.

Looking back at the caller ID, they've been calling at least once a day for this guy all this week. Probably an old medical bill of his when he didn't have insurance six or seven years ago.

It really pisses me off that there is so little in the way of penalties for out of control debt collectors like these.

Anybody got any links to learn more about Richard Krech and other employees at CCB Credit Services?


Know thy enemy before doing battle, eh!?
John



There is one political donation under their name...

CCB Credit Services
SOFT MONEY DONATIONS: 2001-2002

NOTE: The donations listed may be made by individuals associated with the organization as well as by the organization itself.

To Democrats: $0 (0%)
To Republicans: $1,000 (100%)
Total: $1,000

Contributor Occupation Date Amount Recipient
FOSHANG, LEE MR
SPRINGFIELD, IL C. C. B. CREDIT SERVICES INC. 8/6/2002 $1,000 Republican National Cmte

Data downloaded from the FEC Monday, June 09, 2003 . Date of request: Monday, February 06, 2006.

__________________________________________

Lee Foshang happens to be the administrative contact for the domain...

Registrant:
CCB Credit Services, Inc.
5300 S. 6th Street
Springfield, IL 62703
US

Domain Name: CCBCREDITSERVICES.COM

Administrative Contact :
Foshang, Lee
ccbcs@AOL.COM
1045 OUTER PARK DR
SPRINGFIELD, IL 62704-4463
US
Phone: (217) 787-0870
Fax: (217) 787-9504

Technical Contact :
Webmaster, LRS
webmaster@LRS.com
2401 West Monroe Street
Springfield, IL 62704
US
Phone: 217-793-3800

__________________________________________________

Their fax line, (217) 529-7185 is registered to Ameritech Illinois. It appears to be an "unlisted" number.

Lee Foshang's phone number is also registered to Americtech Illinois, like their fax line, it also appears to be in Springfield. His personal fax line however is in Champaurbn, IL and regsitered to Champaign Celltelco.



That is all I have so far.
Link Posted: 2/6/2006 11:58:12 AM EDT
They also own ccbcreditservices.net. I have more contact info, check out Maria Troxell.

Registrant: Make this info private
CCB Credit Services
5300 S. 6th Street
Springfield, IL 62703
US

Domain Name: CCBCREDITSERVICES.NET

Administrative Contact :
Troxell, Maria
maria@ccbcreditservices.net
5300 S. 6th Street
Springfield, IL 62703
US
Phone: (217) 787-0870
Fax: (217) 529-7185

Technical Contact :
hostmaster@DSL.NET
545 Long Wharf Drive 5th Floor
New Haven, CT 06511
US
Phone: 203-772-1000
Fax: - 203-624-3612

Record expires on 28-Jun-2012
Record created on 28-Jun-2001
Database last updated on 08-Jul-2004
Link Posted: 2/6/2006 12:03:52 PM EDT
Here is the personal contact information of Foshang Lee...

3090 White Timber Rd
Springfield, IL
(217) 529-2006

His neighbors include...

Sprinkel, Carlmore
3071 White Timber Rd
Springfield, IL 62712-5809
(217) 585-1448

Gebke, Gerrymore
3111 White Timber Rd
Springfield, IL 62712-9160
(217) 529-4299

Brewer, Michael & Sandy
3175 White Timber Rd
Springfield, IL 62712-9160
(217) 529-2423

Just to name a few.


Link Posted: 2/6/2006 12:12:38 PM EDT
[Last Edit: 2/6/2006 12:27:09 PM EDT by Waldo0506]
November 8, 2001...

Ronald E. Krech, Jr. of Springfield was appointed to the Collection Agency Licensing and Disciplinary Board. Krech is vice president at CCB Credit Services Inc. in Springfield.

Members of the board, who provide expert knowledge and advice on disciplinary matters and the conduct of collection agencies, are paid per diem and expenses only.

Ronald appears to have two phone lines...

Ronald Krech
1952 Glenrock Ln
Glendale Heights, IL 60139-2169
Tel.: (630) 237-2361
(630) 529-0110

______________________________________________________-

CCB uses the services of Communications Auditing Services Inc.

Quote..

"CAS Saved us over $130,000 per year on our communications costs. This far exceeded our expectations. CAS worked with us and our existing vendors to come up with efficient cost-saving initiatives.

They have a true understanding of what it takes to get things done in the telecommunications industry. CAS took the time to examine our entire communications platform and found numerous areas for potential cost savings. I would have no hesitation in recommending CAS for their comprehensive auditing services of communications costs."

Ron Krech, Vice President

CCB Credit Services, Inc.
Springfield, IL

Annual Savings: $130,000

Edit: I am going to school now.
Link Posted: 2/6/2006 12:18:44 PM EDT
UPDATE:

Called the local PD to file a criminal complaint reference the phone calls Friday afternoon when I had all my paperwork at the office. It was my day off, but I was happy to spend an hour or so there to wait for the officer and to file a criminal report.

Less than ten minutes after my call to dispatch, the officer arrived. A very nice young fella (God, they seem to get younger every year) comes in. I explain what's happened and hand him the paper trail I've got.

He reviews the paperwork (the draft of which was posted in the first post) and calls the folks at CCB (800-272-1772).

Sure enough, they gave him a hard time, at first refusing to give the company name or the name of the person answering the phone. Then came the interrogation, where whoever quizzing him about his badge #, name, dept. phone, address, shirt and pants sizes, date of birth, hair color, name of first born, etc. And that's just the person who answered the phone.

They finally put a supervisor on the phone (Stan Kazakaitis). Stan denied that anyone from his company had called us for three years! I just had to grin. Oh, I could tell this was going to be a tough call.

Finally, after five minutes of the officer explaining the evidence contrary to that claim, the guy copped to a call in December, but he hasn't heard of a Richard or Tiffany working there and can't find any accounts under James K****.

Five minutes after that, he finally admitted that they had been calling for Mr. K and that Richard and Tiffany had called the previous night.

So, just shy of twenty minutes into the call, Stan finally admitted that everything I had stated happened the preceeding night was correct. And he said that we would receive no further calls. Yeah, we'll see.

By now the cop was a little perturbed with the CCB company. The cop gave me his card and said to call him if we get any further calls and he would do his best to make sure the SA's office takes a hard look at the report. I might have to also call one of my former students working as an assistant SA there for some consideration in this.

Also, I got in touch with Mr. K, and he had to other messages from earlier last week to call Tiffany, so there are two additional instances where I have caller ID times, dates coupled with his messages making three calls they've made, just last week. Jim said that he told Tiffany the preceeding week that he had their envelope and was making payments and that she should not call the workplace again. Clearly, like my letter in December, that didn't work.

I've got all the paperwork finalized to send off to the Illinois AG's office later today.

I've got my fingers crossed that someone there takes an interest in this case.

John
Link Posted: 2/6/2006 3:45:46 PM EDT
You should go find a poor college kid just out of lawschool and tell him you will give 90% of the fines he can get. A couple thousand might not seem like a lot to you but to a new lawyer it might be worth his time especially since this sounds like an open and shut case with your paper trail.
Link Posted: 2/6/2006 5:09:22 PM EDT
If they are violations of USC, go to the US Attorney also. They probably have somebody who is their Debt Collections squasher.
Link Posted: 2/6/2006 5:14:17 PM EDT
We got $1500 from the company and the collection dropped when they called my wife at work.

Look up your state laws.
Link Posted: 2/6/2006 5:23:21 PM EDT
I once had a collection agency contact me looking for someone that had a completely different last name. I had recieved a package for this other person at my house (I rented it). I called FEDEX because it wasn't my package, and told them to return it to sender. I then recieved a bill for that package, which I promptly shreaded because of 2 things. 1. Not in my name. 2. I did what was legally required of me, and returned it. Then a debt collector kept calling my house. Finially I called FEDEX directly and told them......quit calling me. Not my name. I returned that package to sender because it wasn't mine. Quit calling or I will sue for harrassment.
Link Posted: 2/6/2006 5:27:30 PM EDT
Link Posted: 2/6/2006 5:40:18 PM EDT
List all the calls and bill them for the time of yours that they wasted at attorney type rates. Include a letter in the bill that if this bill is not paid, they will be reported to a credit reporting agency for non payment. Then, after 90 days, forward that bill to another collection agency and bug the hell out of them.......
Link Posted: 2/6/2006 6:49:01 PM EDT

Originally Posted By prk:

Originally Posted By Destro333:
Too bad they don't just pay their debts. Would solve all of this. Usually if the debtor and the agency come up with an agreement on a payment plan, and both sides stick to their agreement, the calls all but stop.



Talk about presumptuous!!

Too bad the agencies often lie, get multiple people to contact the debtor (one making an 'agreement', others denying that there was one, etc.), and apply all sorts of illegal threats and other tactics, even when the 'debt' they're trying to collect either doesn't exist, was already paid, or is in dispute.

You must live in a dream world. Here in real life, the agencies can't be trusted (see original post), because so many of them have deplorable ethics. If you didn't get their 'agreement' in writing, it's worse than if you never spoke with them. Dealing with them on the phone is beyond useless.

You might as well have said, "Too bad people don't just 'roll over' when there is a dispute, and pay whatever they're asked to, whether it's correct or not".



I'm sorry to hear about your experiences. All I know is I worked for 5 years in the same office as a lawyer who had these type of agencies as clients. And he did have people coming in all the time to make arrangements for payment plans. All ages all types.

The worst I ever heard was when a bank called asking for a debt to be cancelled over bad checks issued by a mentally challenged man. The bank realized they shouldn't have given the man an account in the first place. He wrote checks all over town without the ability to understand the money had to come from somewhere. I doubt anyone recovered their money on that one.
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