Commercial Recovery Systems of TX - Credit Repair Forum from Creditnet
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  1. #1
    macboy is offline Newbie
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    Commercial Recovery Systems of TX

    Has anyone had dealings with these clowns? I am filing my complaint with the FTC this week. If you know anything, please post an information.

    Thanks!

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  3. #2
    lbrown59 is offline Senior Member
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    Commercial Recovery Systems of TX

    What's happening with them?

  4. #3
    macboy is offline Newbie
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    Commercial Recovery Systems of TX

    They have scamed me and my wife out of an additional $1,700 because of mismanagement. They lost two of my checks, one sent UPS. It's a long winded story and I hope to post it on my website soon.

  5. #4
    lbrown59 is offline Senior Member
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    Re: Commercial Recovery Systems of TX

    Originally posted by macboy
    They have scamed me and my wife out of an additional $1,700 because of mismanagement. They lost two of my checks, one sent UPS. It's a long winded story and I hope to post it on my website soon.
    With out any more info than this it's going to be very hard for anybody here to make suggestions.

  6. #5
    WaryInFL is offline Newbie
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    Seem Suspicious

    I received a call from these people after I left work yesterday. Here's how her message went:

    Hello, this is Ms. White from Broward County Courts. I got your number from the HR Department. I need to serve documents regarding wage garnishment on [Employee Name]. Please call me today at (888) 214-7827.

    This call was not regarding me, but instead about one of my employees.

    I did an internet search for the phone number and found a page on the website: 800Notes.com

    I called Commerical Recovery Systems and asked if that number was theirs. The receptionist said "yes, that's one of ours." I then asked whose extension it was. She said "Ms. White." Now I proceeded to ask her why Ms. White would say she was from Broward County Courts in South Florida when the company is in Dallas, Texas. She was stumped. She got a gentleman on the phone after a long wait. I went through the whole description again. He said he would look into it and asked for my phone number. I gave him my work number and extension.

    I'll be honest, I really don't expect to hear back. They represented themselves fraudulently by identifying themselves as being from Broward County Courts. I think it's a scam and they know they are found out. She actually told my HR director when she called here that she needed to speak with a supervisor who could point her out when they come to serve the documents. The HR Director told her the Receptionist could do that, but she INSISTED on speaking with the employee's supervisor. How exactly would she serve documents while in Dallas, TX.

    If any one knows anything about this company and if they are legit, please let me know.
    Last edited by WaryInFL; 07.14.2009 at 07:09. Reason: Add Additional Information

  7. #6
    cap1sucks is offline Senior Member
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    Quote Originally Posted by WaryInFL View Post
    I received a call from these people after I left work yesterday. Here's how her message went:

    Hello, this is Ms. White from Broward County Courts. I got your number from the HR Department. I need to serve documents regarding wage garnishment on [Employee Name]. Please call me today at (888) 214-7827.

    This call was not regarding me, but instead about one of my employees.

    I did an internet search for the phone number and found a page on the website: 800Notes.com

    I called Commerical Recovery Systems and asked if that number was theirs. The receptionist said "yes, that's one of ours." I then asked whose extension it was. She said "Ms. White." Now I proceeded to ask her why Ms. White would say she was from Broward County Courts in South Florida when the company is in Dallas, Texas. She was stumped. She got a gentleman on the phone after a long wait. I went through the whole description again. He said he would look into it and asked for my phone number. I gave him my work number and extension.

    I'll be honest, I really don't expect to hear back. They represented themselves fraudulently by identifying themselves as being from Broward County Courts. I think it's a scam and they know they are found out. She actually told my HR director when she called here that she needed to speak with a supervisor who could point her out when they come to serve the documents. The HR Director told her the Receptionist could do that, but she INSISTED on speaking with the employee's supervisor. How exactly would she serve documents while in Dallas, TX.

    If any one knows anything about this company and if they are legit, please let me know.
    They are a legit company. One thing you want to be aware of is that in most states judgment recovery companies are totally different than debt collection companies. They are not regulated under FDCPA as debt collectors are because they seldom if ever contact debtors directly. They normally work only under court order to collect judgments already granted.by the courts. Most of them only collect on old judgments that everybody else gave up on long ago. They normally have to buy the judgments and then collect on the judgments they own. They normally pay about 50 percent of the face value of the judgment but of course pocket all the interest that has piled up over the years and tack on their own fees and costs. Most are licensed private investigators but that isn't a requirement in most states. There are only 5 states that have laws governing judgment recovery companies. Texas is one of them and I think Florida is too but I'm not certain about that. Judgment recovery specialists in Texas must be licensed as debt collectors as well. Judgment recovery is a very specialized field and is highly competitive.

    If they contact debtors directly and demand money then they would fall under FDCPA regardless of what state they are from or what state they operate in.

  8. #7
    WaryInFL is offline Newbie
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    Why misrepresent?

    Are they allowed to call and say they are from another agency?! She said she was from Broward County Courts! I didn't think anyone was allowed to pass themselves off as a government worker, if they're not. That is what seemed so fishy to me.

  9. #8
    cap1sucks is offline Senior Member
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    Quote Originally Posted by WaryInFL View Post
    Are they allowed to call and say they are from another agency?! She said she was from Broward County Courts! I didn't think anyone was allowed to pass themselves off as a government worker, if they're not. That is what seemed so fishy to me.
    Well, seems to me that it don't make much difference to you. They are not allowed to pass themselves off as government workers to a consumer if they aren't.

    They aren't trying to collect any money from you so they can say anything they want. Here is another similar illustration. I can claim to be a lawyer as long as I don't give anybody any legal advice or do any legal work for them. I can claim to be a doctor as long as I don't give medical advice or provide any medical services. I can claim to be anything I want so long as I don't break any laws in the process. So if they are not trying to collect money from you there isn't anything you can do about it.

    On the other hand, there may be if you really want to take it that far. Did they call you at your place of business? If so, why do you have telephone services at your place of business? Do you provide telephone services at your place of business so that your family, friends, debt collectors, judgment recovery specialists, lawyers, doctors, clergy, roofing and siding companies, gardeners, vacuum cleaner and pest control salesmen can call you and your employees? NO? Why not?

    Or is it that you are such a mean old Scrooge that the only reason you have telephone service is so that your customers can call you for business purposes? (LOL). Do you hire someone to answer the phone for you? If so don't you have to pay for the time they spent answering the phone, finding you and calling you to the phone? Remember it isn't only that person's hourly wages you have to pay, there are all the incidental costs such as health care, sick leave, vacation pay and taxes you also have to pay.And what about your own time away from your business routine spent to answer the call?

    If that is the case then is it possible that since you have to pay for those costs and services they stole your business services? Is theft of services a criminal offense or not?

    Yes, I know just how far you might have to go to enforce that and I'm sure you really wouldn't want to go that far but it is at least food for thought.

    A far more practical approach would be to simply refuse to answer any of their questions. That would benefit you and your employees far more. If you have a receptionist have her screen the calls more carefully. Somebody calls for you or one of your employees have her find out who is calling. Teach her how to spot debt collectors and salespersons. Teach her not to allow such calls through and if she accidentally lets one get through then have whoever responds report the inappropriate phone call to you. Have them get names, addresses, phone numbers and the purpose of the call and send the debt collectors, lawyers and judgment recovery specialists a letter stating that it is inconvenient to receive phone calls at their place of employment and you follow up with a full cease & desist letter telling them never to call your place of business again. Then if they violate those letters both you and your employee have separate causes of action against them in federal court. You know who called you this time so do it to this judgment recovery company. You tell them to cease and desist from ever calling your company again because they are stealing your company services and you don't allow employees to receive phone calls. Above all, remember that there is absolutely no requirement to give them any information whatever without a court order specifically requiring you to answer their questions. I'm sure your employees will appreciate it a great deal if they know that you are willing to help them work out problems to the greatest extent possible. Appreciative employees means a better work force and every business needs all of that they can get.

  10. #9
    enigma is offline Senior Member
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    If a judgment creditor is call you as the employer looking to serve you papers regarding one of your employees, you are required to give them your contact information. Once the garnishment papers are received, you can have your corporate attorney review them for authenticity. If you refuse to comply with a lawful garnishment order, your company could be held liable for the full amount of the judgment.
    The information and materials in this document are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved. You are responsible for the applicability and accuracy of Information as it relates to your specific situation.

  11. #10
    cap1sucks is offline Senior Member
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    Quote Originally Posted by enigma View Post
    If a judgment creditor is call you as the employer looking to serve you papers regarding one of your employees, you are required to give them your contact information.
    What Florida law requires an employer to give judgment creditors from some other state their contact information? I'm afraid that your statement don't make much sense. After all, how does the employer know that a judgment even exists simply because they receive a phone call from someone asking for the contact information?

    If that were true and ABC Recovery systems Inc. had a judgment against Joe Sixpack who works for DEF Collection Agency Inc. and ABC called DEF wanting their contact information but DEF demanded ABC's account number before they will would even talk to them as many collection agencies do when someone calls them then DEF could be stuck to pay the full amount of the judgment? I don't think so. Employers are under no obligation to reveal anything until they actually get the garnishment papers and you know that. To make it even more nonsensical, why would a law require an employer or anybody else to give out their contact information to someone who obviously already had it? If they didn't have the contact information then how did they initiate that phone call? Think about it.
    Once the garnishment papers are received, you can have your corporate attorney review them for authenticity. If you refuse to comply with a lawful garnishment order, your company could be held liable for the full amount of the judgment.
    Now that is absolutely correct, of course.

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