Clearview Resolution Services or CRS is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
Clearview Resolution Services (CRS) is a third-party collection agency based in New York State. CRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as attempting to collect debts not owed and threatening to take actions that cannot legally be taken. If CRS has contacted you about delinquent financial obligations, make sure you understand your rights before you respond.
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Is Clearview Resolution Services a scam?
They’re legit. According to the Better Business Bureau (BBB), Clearview Resolution Services was founded in 2014. The BBB established a profile page for CRS in 2015. The BBB lists CRS as a collection agency.
According to its website, Clearview Resolution Services “is a privately-owned agency which specializes in negotiations between clients and consumers to reach a resolution that benefits both parties.” CRS “is comprised of a dedicated team with years of experience in debt management and recovery for many clients in the Western New York area.” The CRS “team is available to help… locate and investigate bad debtors… to resolve financial or legal evasion of debt.”
The CRS website does not provide a lot of detailed information about the types of businesses or industries for whom they collect debts, stating only that they collect delinquent accounts for “corporations, offices, and companies.”CRS utilizes a “model for debt collection that works with… clients and the debtor to achieve repayment and fully settle debts.” CRS also “has a thorough understanding of the bad check resolution process and specializes in recovering what is owed by linking authorized ACH drafts or checks back to the verified account holder.”
Clearview Resolution Services “develops… repayment programs that will help… resolve… debt issues quickly and inexpensively.” In addition, CRS “educates the public about the importance of collection agencies and the effects of debt in the current economy.” CRS takes “several approaches to collecting a past due bill or NSF check.” First, “specialists review outstanding balances with the consumer.” Next, CRS “places phone calls to make the debtor…aware of the collection problem and that a third party is now involved.” Third, the “debtor receives further phone calls and correspondence to inform them that serious action will be taken if the debt is not resolved immediately.” When collection efforts stall, a CRS “collection attorney calls or makes a personal visit to assist in debt recovery.” Finally, “when these approaches to collection fail to resolve the debt,…CRS recovery specialists will consider suing the debtor to enforce repayment within legal boundaries.” CRS “partners with a network of law firms prepared to escalate demands for payment.”
CRS states that it “enforces… strict compliance with the law regarding debt collection.” Their “team undergoes continuous education regarding the rules regulating the collections industry to provide quality, dependable financial services.” CRS cites membership in the International Association of Credit and Collection Professionals (ACA International), but their website does not include links to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many Complaints are there against Clearview Resolution Services?
As of August 2019, the BBB has given CRS a rating of NR (No Rating) and has indicated this business’s file information is currently under review. The BBB has closed 27 complaints against Clearview Resolution Services in the past three years, with 9 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections, although 3 complaints also cited problems with customer service.As of December 2015, the Consumer Financial Protection Bureau (CFPB) has closed 18 complaints involving CRS. Justia does not list any cases of civil litigation involving CRS.
Can Clearview Resolution Services Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely CRS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Clearview Resolution Services?
Absolutely. Here are some Sample Complaints
Complaints against Clearview Resolution Services cite problems resulting from disputes about the validity of debts and allegations of harassment. In July 2019, a complainant stated that he had “received several calls from CRS… in the past few weeks,” which he estimated to have been in the range of“10 to 15 calls per day.” He also stated that CRS had tried to contact him at work. Allegedly, “one of his co-workers answered his phone, and CRS… proceeded to give all the complainant’s personal information, including hisSocial Security number, to his co-worker.” The complainant stated that his “information is not for everyone in the country to hear; it is his personal info and it’s illegal for CRS to discuss it or any issues with someone other than him.”When the complainant finally took the call, CRS allegedly “threatened to take him to court, contact his employer, and… tried to force him to pay… that day.” The complainant was ultimately able to make arrangements to pay $123.00 per month. CRS promised to send an email with the payment schedule “as soon as he hung up the phone.” But “5 days later,he received an email stating he would pay$123.00 every 2 weeks.” The complainant said it was “obvious that CRS was trying to scare people to pay a debt they bought for pennies on the dollar. But considering the agreement he made and the agreement they filed is nowhere close to what they agreed to,” he requested that the entire agreement be cancelled. He also stated he would take legal action as a result of their having disclosed personal information to a third party and “changing an agreement” after obtaining a payment method.
In February 2019, a complainant stated that Clearview Resolution Services had called her “family, …threatening them that she would be locked up in jail and all her property seized, including her bank accounts.” She also stated that CRS “disclosed to her employer that she would be arrested for an unpaid debt.” She said she had “never received a call from CRS and had no idea what this was all about.” She said that when she was informed of the phone calls from CRS, she tried to contact them, but “no one answered at the number they had left in voice mail messages.” She also stated that it is “illegal for CRS to discloseher personal information to people in her family” and was willing to sue them for character defamation. She requested detailed verification of the debt and for all attempts to contact her or her family to cease and desist until she received the information.
Clearview Resolution Services Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Want to Stop Debt Collection Harassment Now?
You may have a case, if…
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! It had been more than I anticipated.”
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
“Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“Thank you and your team at Lemberg Law for the exceptional work you did on my behalf. I have never experienced the level of care, professionalism, timeliness in follow-through, and monetary compensation obtained through your firm.”
Can You Help Me Delete Clearview Resolution Services from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.
I haven’t used the services of this firm. These Clearview folks are calling me 3 and 4 times a week, sometimes several times a day. Usually with robocalls until I answer. It’s always about a sprint account from 13+ yrs ago. When I never had a sprint account. I’ve even called sprint to verify I never had an account with them– I’ve never had one according to them. Which of course I knew.
The real kicker? I filed BK over medical bills in Dec 2010. So even if I had an account, they didn’t try to get it added to my bk so they’re out of luck.
I really just wish these calls would stop. They have my social, my parent’s names, my address. They always refer to me by my maiden name also. And then tell me repeatedly they’ve been trying to serve me and no one is ever home. (I’m disabled and here very nearly 24/7. So yeah.)
This time I told them to serve me. I’m specifally not admitting to the debt (bc it’s not mine) bc I’ve heard that if you even begin to give any statements that might say it’s your account, then legally it can be assumed to be valid.
I just want it to stop.
The man threatened me was rude plus the account is over 8 years old so they need to stop calling me its already off my credit report they said they are taking me to court !!! There past the statue of limitations