Anonymous
map-marker Miami, Florida

Credit Resolution Services will RIP YOU OFF!

I have had the most HORRIBLE EXPERIENCE with Chris Placek with Credit Resolution Services. He will initially act very interested in helping to resolve your issues but once he received my full payment of $950 he became harder and harder to reach. He did not clear up any of my credit issue and he lies about the work he is doing. His excuses for not getting back to you range from: understaffed, on vacation, the lighting struck his phone and he lost all contacts, ANOTHER vacation, etc. Avoid this company at all cost. Chris will rip you off. AVOID THIS COMPANY
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Reason of review:
Poor customer service
Stephen B Rjv
map-marker Tampa, Florida

CRA 6860 Dallas Pkwy St 200 Plano Tx Scary harassing solicitation

I received a solicitation for debt remediation in the mail. The paper is pink presumably to indicate that it is an overdue bill or collection notice. It incorrectly indicated my debt to be $30,000 to $35,000. I don't know where they got these figures but they are not correct. They are trying to use scare tactics to *** me into debt remediation which is really *** as it can lower your credit rating and may not effectively lower the amount that you owe. Most debt remediation is a scam and it only makes money for the company that is selling it.
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25 comments
Guest

They are harassing us with with threatening letters. They make it sound like like they are going to come and throw us out of our home.

Guest

Hi folks ,don't even bother with these *** ! Just ignore and report ....

not worth getting fired up for , they are just a bunch of scam artist ! I actually feel sorry for the people who really believe them , if you can spread the word to family and friends even FACEBOOK ,and hopefully word of mouth will put these lowlife *** out of buisness for good !

Guest
reply icon Replying to comment of Guest-575472

they call me and send me this noticed ,,and i'm thingking about it can u tell me.if they help people like me..thank u

Guest
reply icon Replying to comment of Guest-600918

Oh please! You are correct "help" is what they provide.

Help themselves to YOUR money! Like the first comment above they don't even know how much you actually owe. How long will you have to pay before they let you off THEIR hook?

If you need help go to the neighbor hood churches, thrift places, and soup kitchens.

Guest

These wannabe cons are trying to rip me off ?!!! Sorry messed with the wrong DIVA !!!

I recieved a " SECOND FINAL NOTICE " I called them and asked them what it was I " supposably owe you again ? They could not even tell me what it was .... so I responded ny letting 'MARCUS " Know I was recording this conversation !

Sure enough he started to stutter and hang up ! FYI, if you have the ' DO NOT CALL AND SOLICITATE " they will mail you this *** instead , I find it useful for the purpose to light my fire pit !

Guest

just received my first letter from these "FOOLS" a quick free check at annualcreditreport.com tells me there making stuff up to scare you.

Guest

just tear it up and throw away !!!!!

Guest

i get this stuff, sent it back...return to sender. got in an argument with them on the phone...told them it is none of their business and they are wrong with the amounts...they told me IT WAS THEIR BUSINESS! Oh yeah, then you pay what I supposedly owe...then hung up!

Guest

I received a two letters too! The place is a total SCAM!!!! I am reporting them to the BBB.

Guest

Just got off the phone with "Farrah" from CRA, as I too have received many notices from this company. I told her to remove my information from their "list".

She said it would take 30 days to go into effect. I told her I better not receive another *** letter from them that I know this company is a total scam.

She said "Nice language", I said *** hung up. How do these people sleep at night????

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Chris M Rqb
map-marker Harrisonburg, Virginia

CRA 6860 DALLAS PARKWAY SUITE 200 PLANS TX 75024

Received pink paper in the mail to look like a bill. Top says "IMPORTANT 2ND NOTICE- PLEASE READ THE COMPLETE NOTICE BELOW" After reading this pink paper discovered it to be a solicitation for business, I called to please ask to be removed from list. The guy who's name was "JR" attemped to tell me that I was in over my head in dept, lol....This come as a big shock and news to me. I then ask him to please remove me from the list and I did not want to be on the mail list. JR whom I only have to assume has a 11th grade education. I then received several phone calls from this number 972-202-**** they were hang ups and when I called back a "Jimmy" would transfer me to "JR's" voice mail. This business is a scam...........People don't treat potential customers that way. I encourage everyone who receives these solicitations to file a complaint to help rid this country of businesses that only produce more hardships on people, most dept resolution companies are scams and judging by there practices I would suspect that this is certainly one of them.......
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Anonymous
map-marker Germantown, Maryland

Mrs.

I consulted with this company and went into the arrangement not knowing this was a scam. I had a stroke which caused me to get in this predicament in the first place. Now they have ripped me off and I could have used the money to pay on the debts. they kept telling me it takes 6-9 months to start seeing results. Well nothing at all in six months. Did the same but worse to a 75 year old friend of mine. So age doesn't matter to them. They can still eat well and sleep well on our dime. Shame on them. They will pay somehow. Filing complaints with BBB and FTC.
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Loss:
$1200
2 comments
Guest

We received a "Debit Mediation Notice" from Credit Resolution Advisors, LLC notifying us of an unpaid debt that had accrued interest over the years and the balance was between $20,000 to $30,000. A year prior we also got a similar notice from "Portfolio Recoveries LLC.

It turns out that these people were trying to collect a $2,000 debt that a judge had deemed null almost 30 years ago when we filed bankruptcy after my husband was honorably discharged from Navy and was unable to find a job for months. It was a very difficult period in our lives having two children and all, but we kept the court documents as a reminder to be thrifty.

We told them to stop harassing us.

Guest

This company, parent company Landmark Management, changes their marketing name annually or 'by state' in order to re-market to consumers with a different name (American Debt Mediators, Credit Resolution Advisors, Credit Answers, Jensen Legal Group, Worden Law Firm etc. are all the same company) because they have burned their bridges so many times with consumers.

There is NOTHING this company can do for you that you can't do yourself with a little time. This (these) company requests that you to stop paying your bills, which opens you up to late fees, higher interest rates, and then litigation by creditors after a certain period of time, and will NOT represent you once you get sued. Contrary to what they tell you, they ARE NOT a law firm. There is no attorney looking out for you.

50-60% of their clients get sued by companies like Discover, Capital One, etc. It's a no-brainer that you can settle on your own with your creditors for 50-60 cents on the dollar after a certain period of delinquency, just like these people purport they can do.

You don't need to pay these people a 12% fee, plus 49.95 a month for 'maintenance costs'. They mislead consumers, especially the elderly and non-English speaking clients, that there will be no credit effects, no tax implications, even misleading foreign and elderly consumers to think that they are doing a consolidation.

Then by the time consumers are fully informed during a "Welcome Call" what the real 'program' is, it's past the 10 day cancellation window and they keep your first payment.

Do yourself a favor and work your situation out with your creditors. These people are rip-off artists preying upon the fears of consumers.

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dickie Dnb
map-marker Westland, Michigan

Attempt at mail scam regarding false debt claim.

Received a pink letter from CRA 6860 Dallas Pkwy, Ste 200, Plano, TX 75024, 800-600-****, claiming that I had an "estimated creditor balance of $18,000 with a projected settlement offer of $10,260. I have no such debt and they claimed to have sent me a summer catalog and that they have extened my enrollment opportunity to 9-04-12 so they wanted me to call them immediately at their 800 phone number to take advantage of this program extension. They were diligent in selecting utilizing the emotional buzz words to trigger an immediate emotional response to want to contact them ASAP. Furthermore, there was language used to try to give credibility to this attempted false debt remediation by referencing the major credit bureaus by saying that upon clearance of said accounts, all of the major credit bureaus should be notified by your creditors that your debts have been satisfied and paid off for less than the balance owed. What was key to me that was not said was that there was no mention of once the debt was paid in full, that they would contact the three major credit bureaus to notify them that my false debt was completely paid off. Furthermore, there were no attachments of support documentation to give credibility to their false accusation. In other words, they did not say anywhere in the pink letter who the creditor that I allegedly had accrued this debt with. The pink letter just claimed that I owed this random amount to a creditor they could not even identify. They did considerately (please detect the sarcasm here) provide me with an installment payment amount of $392.00/month for an indefinite time period. I conducted a Google Search on the address in Plano, Texas, not the name CRA. My Google Search revealed that CRA not CRV is indeed not in Suite 200, it is a room in an eight-story building and has absolutely no indication of a business name related to room 200. I see no reason to trust this solicitation. It screams "SCAM."
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4 comments
Guest

I received a similar letter and it is from CRV, which you state is the company's name. And the debt described in the letter IS my debt. So, I am trying to see if they can really help, and if when they say the major creditors will report that I paid off for less than I owe, if that affects my credit score at all.

Guest

they were very good to us

Guest

We had good experience with them

Guest

Received a letter stating I owed 35000.00 to an unknown creditor(s). We owed nothing to no one and the credit bureaus we contacted confirmed that.

This is a compete scam company. Do not call or contact this company and throw away any mail you receive from it.

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Anonymous
map-marker Claremont, New Hampshire

Continued harrassment

I continue to receive pink notices for activation of a "renegotiated credit card balance activation reminder" from CRA, Plano Texas, which I have never solicited. I also continue to get cell phone calls daily from all over the country from the same company for the same reason. I have repeatedly told them I am not interested and asked them to remove my name from their lists, and now they just hang up on me. They continue to call and send notices. I have tried to block the numbers from my cell phone and they then call from different numbers from all over the country.
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3 comments
Guest

"Kikm" sounds like someone who works for one of these shady "debt relief companies."

Stay away from every one of them.

Guest

I am sorry, but these people annoy you, and Kim from Texas, I don't believe you and think you might be a plant from the company.

Guest

A friend of mine who knew that I had enrolled in a debt settlement plan recently asked me about my experience. I told him about CRV in Plano, Tx and what to expect.

He later called me and told me that he was leary due to all of the things he read online. After reading these comments myself, I thought I should post a comment too. I enrolled about 3 years ago after years of struggling with debt and getting nowhere because of the interest charges. I was actually able to finish my program a few months early because I paid a little extra once in a while.

All of my accounts were settled just as they said they would be and I saved over $10,000. I am disappointed in the people who feel the need to post nasty comments about something that either they personally don't understand or need. If you get a piece of mail you dont need, throw it away! Some people who could definitely benefit from programs like this will not get the help they need because all they read is negative and no positive.

Getting out of debt is not magic and it does take a little time and patience but was it worth saving $10,000 over 3 years to me? YES!

Was my credit affected, Yes, but once I had the debt settled, I actually saw my credit score go higher than it was before I started because once I got rid of the high montly credit card payments and all of the balances, I actually could manage my expenses and my DTI was no longer out of balance. I hope other people with positive outcomes will also post.

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Anonymous
map-marker Derry, Pennsylvania

Pink Letter from debt collection CRA

This company is way off as others have expressed !!! They are wanting you to call them, then they got your number. I checked my self out on google and my number is not listed. Anytime a person calls a Free too number that party gets you number no MATTER if you BLOCK your number, so don't get to curious unless you want them to start calling you. Again these people do NOT have all the correct facts and way off. Yes I owe a couple of medical bills of less than 800.00 and they claim 15,000.00
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Loss:
$15000
kim Cty
map-marker Chantilly, Virginia

Credit Resolution Advisors

A friend of mine who knew that I had enrolled in a debt settlement plan recently asked me about my experience. I told him about CRV in Plano, Tx and what to expect. He later called me and told me that he was leary due to all of the things he read online. After reading these comments myself, I thought I should post a comment too. I enrolled about 3 years ago after years of struggling with debt and getting nowhere because of the interest charges. I was actually able to finish my program a few months early because I paid a little extra once in a while. All of my accounts were settled just as they said they would be and I saved over $10,000. I am disappointed in the people who feel the need to post nasty comments about something that either they personally don't understand or need. If you get a piece of mail you dont need, throw it away! Some people who could definitely benefit from programs like this will not get the help they need because all they read is negative and no positive. Getting out of debt is not magic and it does take a little time and patience but was it worth saving $10,000 over 3 years to me? YES! Was my credit affected, Yes, but once I had the debt settled, I actually saw my credit score go higher than it was before I started because once I got rid of the high montly credit card payments and all of the balances, I actually could manage my expenses and my DTI was no longer out of balance. I hope other people with positive outcomes will also post.
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2 comments
Guest

This company, parent company Landmark Management, changes their marketing name annually or 'by state' in order to re-market to consumers with a different name (American Debt Mediators, Credit Resolution Advisors, Credit Answers, Jensen Legal Group, Worden Law Firm etc. are all the same company) because they have burned their bridges so many times with consumers.

There is NOTHING this company can do for you that you can't do yourself with a little time. This (these) company requests that you to stop paying your bills, which opens you up to late fees, higher interest rates, and then litigation by creditors after a certain period of time, and will NOT represent you once you get sued. Contrary to what they tell you, they ARE NOT a law firm. There is no attorney looking out for you.

50-60% of their clients get sued by companies like Discover, Capital One, etc. It's a no-brainer that you can settle on your own with your creditors for 50-60 cents on the dollar after a certain period of delinquency, just like these people purport they can do.

You don't need to pay these people a 12% fee, plus 49.95 a month for 'maintenance costs'. They mislead consumers, especially the elderly and non-English speaking clients, that there will be no credit effects, no tax implications, even misleading foreign and elderly consumers to think that they are doing a consolidation.

Then by the time consumers are fully informed during a "Welcome Call" what the real 'program' is, it's past the 10 day cancellation window and they keep your first payment.

Do yourself a favor and work your situation out with your creditors. These people are rip-off artists preying upon the fears of consumers.

Guest

So obviously CRA's management trying to cover up the many blogs

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Stephen B Rjv
map-marker Tampa, Florida

Creditresolution advisors LLC (CRA) Harasses and scares potential customers into submission

This company mailed me a letter soliciting my business. They claim they can help me renegotiate my debt of $30,000 to $35,000 which does not exist. They sent me the letter on pink paper in a window envelope as if suggesting that they were sending an overdue bill notice. I have called this company twice and asked them to stop soliciting me. They say they will and then continue to do it. This type of business rarely helps anyone and anything they can do for you, you can do better. What they usually succeed in doing is lowering a person's credit rating. This is the kind of company that lawyers who can't find a job like to get involved with.
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8 comments
Guest

I worked for CRA for a short time. There are pros and cons about them. The mail outs they use I believe needs a lot of work. They are a good service for the rite people. I'll explain what I mean. If you are current on all your bills credit cards etc and value your credit rating then NO you DO NOT want to use them. However if your credit has already been hit because you fell behind from something like a job loss, were on disability or some kind of life event then you should look into it.

The basics of the program are you set up a bank/savings account and make monthly payments of a set dollar amount in to it and stop paying on your credit cards or any other non-collateral credit accounts enrolled in the program they have limited access of viewing amounts in that account and negotiate a one time payoff with your creditors. Once a creditor agrees to a pay off you are contacted and if you agree to the amount you authorized the payment from the account.

CRA is paid its fees out of the first few to several payments depending on length of the program etc. An example if you agree to payments of lets say 500.00mo then CRA will take 400.00 of that payment for 2-3 payments until there fee is paid. The fees they collect and how each payment is split is laid out in writing before you sign the paperwork there is no min contract and you can pause payments if needed but just know they are getting there money in a very short time so make sure you can go through with it or I would adv not to do it.

Guest

FYI Guys, Kim from Texas is a Plant from the company. Everyone of these complaints on here, she puts the same response of this company being helpful and positive.

Be aware of this company. DO NOT CALL THEM BACK.

Let it go to voicemail and if they send you letters in the mail, file a complaint with the post office, and draw up an official letter to have them stop. If they continue, they are violating the Federal harrassment laws.

Guest

I got one of those pink letters in the mail, as well. I find this company to be deceptive and annoying.

To Kim...my pink letter states that I may qualify for one of their programs with a payment of "$366.67".....it doesn't say for a MONTHLY payment of that amount. It reads as if they are asking for a single payment in that amount to be in their program.....another reason why I would not trust this company.

Guest

A friend of mine who knew that I had enrolled in a debt settlement plan recently asked me about my experience. I told him about CRV in Plano, Tx and what to expect.

He later called me and told me that he was leary due to all of the things he read online. After reading these comments myself, I thought I should post a comment too. I enrolled about 3 years ago after years of struggling with debt and getting nowhere because of the interest charges. I was actually able to finish my program a few months early because I paid a little extra once in a while.

All of my accounts were settled just as they said they would be and I saved over $10,000. I am disappointed in the people who feel the need to post nasty comments about something that either they personally don't understand or need. If you get a piece of mail you dont need, throw it away! Some people who could definitely benefit from programs like this will not get the help they need because all they read is negative and no positive.

Getting out of debt is not magic and it does take a little time and patience but was it worth saving $10,000 over 3 years to me? YES! Was my credit affected, Yes, but once I had the debt settled, I actually saw my credit score go higher than it was before I started because once I got rid of the high montly credit card payments and all of the balances, I actually could manage my expenses and my DTI was no longer out of balance. I hope other people with positive outcomes will also post.

Also, if you take time to actually read the letter, it does NOT say you owe them anything, it explains what your payment will approximately be if you did the settlement. Please read before you react.

Guest
reply icon Replying to comment of Guest-550249

im new to this debt setlement program.i already sign up please

help me to deciede if i am right decision to continue this program. :roll

Guest

I got a letter from them, wasn't sure what it was from the envelope. I tend to open all mail just because I have several businesses and get lots of mail.

It said I have $24,000 in debt that they can settle for me for about $17,000. They asked for a payment of $480.

I phoned the fellow up and got him on the phone. The fact is, is that I have excellent credit and have very little unsecured credit.

Offering to save me $6520, and ruining my credit in the meantime while I pay them to do it? That's not a service that helps anyone. It only harms them.

I'd end up paying more than that $6520 in higher interest rates and wouldn't be able to borrow short term like I do now.

The fact that these guys are targeting people with excellent credit is what is really odd.

Ruining your credit to save a few thousand, even if they'll be able to do that, which is questionable, isn't worth the price.

Just for fun I checked the cards that I have in my name. Three have a $0 balance and one has a $5,500 balance.

The guys was an ***. Tried to convince me that I'd be better off paying him money rather than my meager debt. Laughable.

Guest

Hahaha! They got you to open the letter!

I think it's pretty clever actually. Annoying...but clever!

Guest

I also received several notices from this business to renegotiate my debt of $19,000, which I too do not have. First one was on white paper.

Second one was on pink paper, like a late notice. The third came in a perforated envelope with “Final Notice Enclosed” in big bold letters and a warning stating: $2000 fine, 5 years imprisonment, or both for any person interfering or obstruction with delivery of this letter, title 18 U.S. Code sec. 1702.

Really?? How do these companies get away with this?

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