CAUGHT IN A WEB OF USURY LAW: Warning to Consumers OR…read morePotential Clients: This agency presents itself as a "professional" California debt collection company, but our experience exposed serious problems that every consumer or potential client should know: * Zombie Debt Purchases: Creative Recovery Concepts, Inc. pursue dead, or expired debts that were already sold off multiple times -- sometimes years after the original creditor closed which makes summons illegal. * No Notices or Disclosures: Before demanding money, they failed to provide proper notices, disclosures, or validation of the debt. * Threats Without Authority: Non-attorney staff made intimidating legal threats over the phone, including inflated balances that were never explained and violation of privacy. * Usury Concerns: In California, charging above the legal interest rate is prohibited. Yet they referenced rates far exceeding state law caps. * Unlawful Practices: Instead of following consumer protection laws, they relied on pressure tactics, misstatements, and misrepresentations. A truly professional agency would validate debts, follow the Fair Debt Collection Practices Act, and comply with California usury limits. Instead, this outfit appears to exploit confusion and fear. Consumers should be cautious. Always demand written proof, check your credit reports, and confirm court filings directly with the courthouse before responding to any demand. Good luck we look forward to taking them to court and you should to, use your resources to research and question anything they do. Especially if they took your money without notice. Red Flags in CRC's Website Statement "Although taking legal action is always a last resort, it is oftentimes necessary. We will only sue after we first obtain your written authorization." If they sued in 2022/2023 without the true creditor's ownership or proper standing, this is fraud. Claiming they only sue with "authorization" is contradicted by your case, where Grassy Sprain had already sold the debt in 2021. "CRC pays all Court Costs and Attorney's Fees." This suggests they finance litigation for their clients -- champerty (illegal in some jurisdictions if they don't have ownership). If they're filing lawsuits without standing, they're essentially fronting costs to create fraudulent judgments. "Our 'Large Balance' collectors specialize in legal collections... each collector has more legal experience than most Legal Collection Managers." Debt collectors are not lawyers. If they are holding themselves out as having "legal experience" but aren't licensed attorneys, that's unauthorized practice of law (UPL). That is illegal under California law. "Customers are hiding, hoping not to be found... not eager to pay us for the amounts they owe." This is hostile, derogatory, and prejudicial language toward consumers. Suggests intent to intimidate rather than negotiate in compliance with FDCPA/California Rosenthal Act. "Our staff specializes in locating assets (real estate, bank accounts, wages, autos, etc.)." This reads like they're boasting about skip-tracing and asset-hunting, but that's only lawful after a valid judgment. If the judgment itself is void, then any asset-hunting is invasion of privacy and unlawful enrichment. "Legal Collections is an art, and our collectors are artists in their craft." They literally admit their business model is built on litigation and intimidation -- not on fair collection practices AND creatively UNDERHANDED.

I have placed a large portfolio of accounts with CRC and I have seen consistent and ongoing…read moreresults. This is a highly organized and well experienced staff of professionals by my personal experience, and my portfolio of debt has shown a faster turnaround than I initially expected. Needless to say, I am very pleased that I placed my portfolio of debt with CRC and based on what I have experienced, I will be assigning additional collection accounts wit them.

I have been a customer of Providence Insurance since 2010. I initially inquired with Eric, and he…read morehelped me get auto insurance that was affordable and beneficial. Since then, they have helped me switch auto insurance providers based on my needs and keeping my budget in mind. I only visited the office in person once back in 2010, since then it's been all communication via email and phone. That's awesome since I now live in NorCal, but I am confident that Eric still takes care of me. Eric has always responded promptly and followed-up as he promised. Not many business owners will text you and keep you updated. Providence has provided my auto insurance, renters insurance, and now even my homeowners insurance! They work with lots of companies and will present it to you so you can make your decision. Eric even helped me get multi-policy discounts by combing providers. Solid company, and great service. They've taken care of me and my family for almost 15 year!

Experienced and knowledgeable agents. You come here for a full suite of products to insure your…read morestuff. Eric and Jose are a father and son duo that try to do what they can to ensure you have great coverage at a great price. I have been with them nearly 10years now. Never had an issue.

Came in today to get my new homeowners insurance and add my new car to my insurance policy, I had…read moreno appointment but they took care of me regardless and had me on my way in no time!

Ali & his team are absolutely amazing. I was having the most difficult time trying to explain to…read moredifferent insurance companies what I needed. Ali and his team got me squared away and for a much better rate.

This is a rough review to post. Things started well with JMH a decade ago. In the past few years,…read morewe have had an extremely frustrating and unsafe experience with our former insurance broker. The sad thing is, it doesn't need to be this way. Unreliable Communication: Getting answers is sometimes difficult, and important details were often missed when setting up policies (leaving important coverage or drivers off the policy). Lack of Urgency: When our homeowners policy was not renewed by the carrier, there was no proactive effort or urgency to address the situation, leaving us scrambling and on our own. We found out from the carrier that JMH was no longer contracted, and didn't hear this from Mark. Policy Cancellations Without Notice: Our auto insurance policy was cancelled twice without our knowledge or any notification. The most recent was this month, when our auto-pay policy failed to renew (still not clear why). We were never notified, and only found out 23 days later when asked for proof of insurance when test-driving at a dealership. Serious Safety Risk: This meant our family unknowingly drove uninsured for weeks--including on a 4,000-mile road trip. During that time, we hit road debris thrown into our lane by a semi-truck that required significant repairs to our car. Thankfully I was able to maintain control, but the outcome could have been financially catastrophic for our family had there been other vehicles involved. This level of negligence and lack of accountability is unacceptable. Insurance is supposed to give peace of mind, not expose families to devastating risks. I would strongly (and sadly) caution anyone against working with this broker.

Cancelled policy before it was suppose to be put in place, Mark Heaton pushed through anyways to…read moreget his commission. Real stand up honest guy, LOL.. Has been hell trying to get refund, Mark doesn't answer calls or messages. Here we are 6 weeks later and still nothing. Terrible agent and shouldn't be doing business involving money since he is a crook. DO NOT do business with this broker.

Recommended by a friend to contact Mo, I shopped around and ended up back at this agency with Mo,…read morehe got me the best quote and assured me I was getting the exact coverage as I preciously had and a lower price.

Ive been using this company for over 15 years for my personal and business needs, never had an…read moreissue. Suddenly they hire a less than competent person named Daniel that has no customer service experience or ability to communicate in a friendly manner. He gave me one of the rudest, most unprofessional experiences i've ever had with any business. Not only did he sound like he was brought in from a less than adequate place, he admitted that he had only been there a few days. I asked to speak to his superior, he refused and denied the possibility to talk to anyone else. I called back a few moments later, only to be treated with more disrespect. I waited a little longer and called back to finally get his supervisor Imad Farah aka Matt. If condescending had a person attached to the definition, it would be Matt. Please find elsewhere to do business, from a customer that has been loyal for many years, to a customer that knows where his business isn't appreciated.

Jorge is an amazing lender! He has helped my clients and has gone above and beyond for them! He…read moreis honest, experienced and knows his business. I will never hesitate sending my clients to him!

Jorge is an amazing loan broker. His knowledge in the field provides solutions for all situations…read more I will refer friends and family always!!

It's always easy to book an appointment and get our taxes done quickly. We have been using Franco…read moretax services for years now and always recommend to our friends and family.

I been doing my taxes with them for almost 12 years never had a problem. Mrs. Rosa is the one I…read morecount on love the place.