legal mediation practice

I just received a phone call from the same company. This I do know that if they refuse any type of payment you don't have to send them anything. Also if it's about a bank draft there is no actual check involved it is not considered passing a bad check. They told me I owe 810 which is exactly double what I borrowed. They can only go after you for the face value(if they can go after you at all) I tried to talk with the guy and he hung up on me. As far as harrassing you at work it is illegal for them to do that. So I advise you if they do not stop get in touch with your local Solicitoy about filing charges. They are a debt collection company which more than likely means they bought your outstanding debt from the other company and are trying to make money. 30 days doesn't scare me.

i heard that if you send them a letter stating they are no longer allowed to contact you by phone and they are only allowed to contact you via mail there is nothing they can do but only contact you by mail and if they call you, you can turn around and sue them.but you have to do it via certified mail so they have to sign for the letter so you have proof

do you know there address where we can send a letter? i was a victim of fraud before so i dont like sending any cash if i cannot verify if the debt is correct

they called me yesterday, buit i didnt check my mesages until today. i returned the call trying to see what was going on and they were extremely rude to me. i dont even know how this thing works

Hi. I received a phone call similiar to the ones you all are speaking too. The threatened jail time, coming to my job and my residence to "embarrass" me. I tried to make arrangements and nothing was exceptable. They were very rude. I called the actual pay day loan company and advised them they may want to look into another 3rd party debt collector due to LMP's illegal behavior. I paid part of the loan to LMP, however I arranged to pay the balance to the pay day loan company. I spoke with Michigan's Attorney General's office today who advised me everything they were doing is against the law. I am now filing a complaint with the Attorney General's office. This is just ridculous.

Glad you stood up for yourself and filed the appropriate complaints. I wish more people would stand up for themselves, as you did, against Il-legal Mediation Mal-Practice and we might actually get them to understand there is an actual law they must follow when collecting debts and there are legal consequences when they don't.

As much as they wish it were so, being unable to repay a loan, yes even a pay-day loan, is not against the law. And no matter how many times they tell people this, they will not come to, or even send law enforcement, to your home or job to arrest and/or embarrass you!

We need to shut these crooks down!

Yes...I am currently representing a consumer in Tampa regarding the same conduct in an fdcpa lawsuit. If you can, I would love to talk to you in more detail about thier conduct with you as its appears to be the same with my client. You can PM me here or contact me at my firm website, ENDTHEHARASSMENT.COM.

This "firm" is nothing more than a collection agencies. However, I do know of a couple of instances in which they have sent "police" to arrest someone. Of course, the police did not arrest the customers. They did, however, scare those individuals into paying their default loan off that day. it is a scare tactic, nothing more. If your state allows secrect phone recordings I would suggest doing that. Otherwise, have someone you trust on the phone with you when talking to them-as a witness to the conversation.

Hope this helps

P.S. I work in the payday loan industry and have dealt with LMP from a business standpoint.

This "firm" is nothing more than a collection agencies. However, I do know of a couple of instances in which they have sent "police" to arrest someone. Of course, the police did not arrest the customers. They did, however, scare those individuals into paying their default loan off that day. it is a scare tactic, nothing more. If your state allows secrect phone recordings I would suggest doing that. Otherwise, have someone you trust on the phone with you when talking to them-as a witness to the conversation.

Hope this helps

P.S. I work in the payday loan industry and have dealt with LMP from a business standpoint.

geez,first we have a spaaming idiot like ms white now you steve.
i have never ehehehever heard of police coming just get someone to pay.you are a TROLL and an IDIOT. nuff said.

LOL!

Couldn't have set it better myself PaulMergel!

I'd be willing to bet my left arm the police would laugh in LMP (or any other CA) called them, asking for them to go make an attempt at arresting someone just to put a scare in them making them pay. Now I'm sure the police would show up to arrest someone for passing bad checks; however, the "bad check" scare tactic LMP (and other CA's) use is just that: a scare tactic.

Gotta give him credit, though, he did at least admit the threat of arrest is a scare tactic; however, he shot just about all of his credibility to Hades when he said the police will actually show up in order to put a scare in someone.

Save the BS for the phone calls to debtors Payday Steve, it will not fly in this forum.

I got the same phone call from this lady. Before returning her call, I looked up the information about the company, this is where I found this forum. Fortunately, I already had an idea of what she was going to say. At first she wanted me to give her my social, Yeah Right. I let her know that I do not give my social over the phone, then she put me on hold for about five minutes or so and found my "file". She then proceeded to tell me that I was going to be picked up by the police at my home or my job. I told her that I was a lawyer, and she claimed that as a lawyer I should know my state laws. I replied that I do and she could not touch me, needless to say she hung up on me. LOL Thanks for the heads up folks and No I am not a lawyer.

while we advocate paying what you owe,not what a bottom feeder says.we don't advocate misrepresenting.two wrongs do not make a right.let them act illegally not you,you lose the
moral high ground that way.

I closed out my bank account due to illegal transactions taken out from my account that I didn't recognize. They threatened to do a warrant and put me in Jail. Arrest me on my job or at my home the next day if I didn't have the money into them. They told me the pay day loan company and all. Can they do that!!!!! What do I do. I do plan to get these loans paid off, but I have no money until next month?

It if a violation of the Fair Debt Collection Practices Act to state that a consumer has committed a crime or will be arrested for a debt. Also debts are civil matters, not criminal. Check my signature link for a guide to recording phone conversations and check to see if the state you live in is a one party state (meaning that the other party does not have to grant consent or even have knowledge that the conversation is being recorded.

If you live in a one party state record their threat and it can be worth $1,000 in a civil suit + punitive damages, court costs, and attorney fees.

Also you should file a complaint with the Florida Attorney General's office as this company has a bad habit of violating the fdcpa and I'm sure the FL AG would love to hear from you.

they call me right now threating me, what do i do

This guy named Jay Mason contacted pertaining to a payday loan that I had defaulted on. He called myjob screaming at me like I was some kind of child. I tried(to no avail) to tell him that I had set up payments with the loan company to pay them back and he tells me that if the debt is not paid by 2pm I will be embarrased at home or my job. At first I got scared then I realized that's not possible. So I told him where he could put his collections and he hung up on me....Moral to the story, don't let these people scare you!!! Make arrangements with loan company itself, not the collectors. I also sent them a cease and desist letter barring them from contacting me via telephone, especially at my job.

Lynota27,

I received the similar phone call from Jay Mason also today. He was telling me the same thing. He told me that I had until 3:00 today to make a payment or legal actions will be taken. He kinda scared me at first. I was upset and worried for the first hour or so. Then got to thinking, whatever he said could not possible be true.

This Jay was rude and he told me that he did not care what I thought that he hopes I do get picked up. Cuz I was using my place of employment tp get over. That I thought I was above the law. I told him that I had no idea what he was talking about.

Then I received a call from a Ms. Andrews. I was not in, I got a message on my desk that she had called. This company is very harassing and rude.

I just got a call yesterday from legal mediation services for a payday loan, and they treatened to come to my work and/or home to get me. I just heard from them for the first time yesterday and they demanded the money in full or else! Is this legal in PA.? Help!!!

I just got a call yesterday from legal mediation services for a payday loan, and they treatened to come to my work and/or home to get me. I just heard from them for the first time yesterday and they demanded the money in full or else! Is this legal in PA.? Help!!!

Welcome the the community Guest.

They can't "come and get you" it is one of the many illegal tactics they tend to employ. Debts are civil matters, not criminal. Per the fdcpa third party collectors are not allowed to accuse you of committing a crime or threaten you with arrest or imprisonment.

Guest, it's pretty much not legal anywhere, not just in PA, for a CA to threaten to come to your work or home to "get you." These idiots at Il-Legal Mediation Mal-Practice are well aware they are violating the law when they do that. Not paying a debt is a civil matter, not a criminal matter. And if they were so spot on that you had written a bad check, they would have already had you arrested for it, not calling and threatening you with it like they did.

You need to file complaints with your state's Attorney General's office, the Florida Attorney General's office, and the FTC. I would also recommend sending these dill-weeds a debt validation and Cease and Desist communication letter via Certified, Mail/Return Receipt Requested.

If you do a search for Legal Mediation Practice, you will find several threads regarding them. If you skim through them, you will find all their contact information, along with other stories of these idiots doing the exact same thing to other debtors.

I cannot believe I am the only one that has sued these @$$-Clowns, so I can't figure out why they continue to violate the law like this! Maybe they just need more lawsuits filed against them for fdcpa violations so they get the hint?

There was a Cliff Stoddard from the Senate Permanent Subcommittee on Investigations here a week or so ago asking about info on US National and abusive collectors. Wonder if he notice LMP?


http://www.debtconsolidationcare.com/collection-agencies/usnationalbank-call.html#383968

They have called me to and want my statement. I had planned to pay it off too and tried to make payment arrangements. He says he wants my statement. I lost my job. The number he gave me is 1-800-201-0565. So how do I find out that they cant press charges against me for faund or put me in jail. Thank you

My husband recieved a phone call today about owing a "payday loan" from 2006. They percieved themself out to be a "legal firm" and told him if he did not have them the money by 9 am then a police officer will be at his work or home to arrest him. Well I did some research online and all I can find on them is they are a debt collection agency. And I went to a site that you can ask an attorney a question and they answer it. Well I didnt even have to ask. The question was already on the front page. What do I do they threatened to arrest me if I dont pay....guess what company....legal mediation practice!! The attorney said that its very unlikely for them to press charges all they will do is say that into scarying you and if you do then they will go ahead and follow with a civil suit. So I wouldnt worry but do try to pay off the debt. I do have a question though. While looking at info on them I found at least 150 people complaining of this company. There has to be a way ALL of us could go together and do something...???

They did the same thing to me. They cannot incarcerate you for not paying a loan back. When you take the loan out, the fine print reads that you will not be criminally prosecuted for non-payment. That is why it is sent to mediation. They actually told me to grow up and hung up on me. I reported them to the company they are collecting for and also to Consumer Affairs.

I received a phone call as well from these people. Under Section 807($) in fdcpa's guidelines prohibits falsely representing or implying to the consumer that nonpayment "will result in the arrest or imprisonment of any [53 Fed. Reg. 50106] person or the seizure, garnishment, attachment, or sale of any property or wages of any person.

Everyone who has received anything from this company, simply report it to the State Attorney General's Office and State Banking Office, as well as your State's Attorney General's Office and State Banking department. State Banking regulates the activities of all collection agencies, mortgage companies, some smaller banks..etc.
The debt validation at this point is not necessary. You need to immediately move to what I like to call administrative remedy. If the Attorney General's Office comes down on this company or if State Banking does, the associates who place the phone calls can be charged with misdemeanor crimes (depending on your state's laws) both the company and the associate can be fined!

Once this is done, go after the original creditor whether it's CashnetUSA or whom ever....

Also run this company through your Secretary of State and make sure they are licensed to even do business in your state, if not the Attorney General in your state will crucify them...

I do this for a living.

Good advice, CreditRepairGuy.

For far too long, these @$$-clowns at Il-Legal Mediation Mal-Practice have made it a point to violate, in the extreme, the fdcpa. They must think they are above the law or it doesn't apply to them.

They need to be shown they are incorrect.

As he said, make sure to report their violations of the FDCPA to the Florida Attorney General's office, as well as your state's AG's office, and the FTC. It's the only way these jerk are going to be brought under control.

I guess I am in the same boat as the rest. Some idiot here posted a statement saying that maybe we should just stop writing bad checks and not paying what is due to this company. Let me first say that just because someone bounces a check or has an issue paying back a payday loan does not make them a bad person. Situations come up all the time and good people get stuck in this situation. I had to get a payday loan to travel back east because a family member died. I spent my own money to help with the funeral arrangements. When it came to making the payment back to the loan company, I had to choose to help my family or pay the loan back. Obviously I made a poor choice because I chose my family first. Come on give me a break. I would do it a hundred times over. I never intended to default on the loan, I just got stuck in a bad situation. Anyway, there is absolutely nothing they can do to you other than harrass you on the phone. I spoke to a Police Officer about this and there isn't even a law against defaulting on a loan. the worst they can do is send the information to the credit bureaus and make a negative mark on your credit.

Nicely put, Same Boat.

Sorry about the loss of your family member. For what it's worth, I think you made the right choice too, helping with the funeral arrangements.

thank you for the nice comment FloridaRon, I just spoke to my attorney and he practically laughed himself off of his chair. This site has been extremely helpful. Everything said here is right on the money. I called Legal Mediation and informed them of my intention to file a law suit for their gross violation of the fdcpa. They still gave me grief but changed their tune a bit and told me I can make any kind of payment plan I want. Funny what happens when you have the right information. thanks everyone

LOL!

Yeah, I filed suit against them too. They settled out of court, which just did pay off what I owed. So it was a win-win for me.

Once I decided to sue them, I never contacted them again. I let the attorney do all the talking. He said they were very nice to him, and provided the details on the debt to him without any fuss, which they refused to do for me.

Glad it worked out for you too.

this company called me at work and threthened me if i don't pay i'll go to jail and they won't work with me in paying it off, cause the supervisor said i have two pay day loans with them that by law they can take me to jail. what should i do?

scared-8, I would call them back and tell them to go......

Well, maybe not.

Just send them a debt validation and limited cease and desist letter. Advise them you do not want them calling you at work or for them to contact any other third party regarding you; they are to communicate with you only directly by USPS mail.

Just read back through this thread or do a search for Legal Medation Practice in the "search" box in the upper right hand corner of this page. It should help you out and provide you LMP's contact information.

Above all, don't let them scare you. Owing money on a debt, and not paying it for whatever reason, is not a crime and they cannot put you in jail. The worse they can do is sue you.

file FTC,AND AG complaints.you will not be arrested for owing or defaulting on any number of pdl's.i had 11 of them.they did try that with me and yes i was concerned,but when the very first time one of these morons threats didn't come to pass i came to this site.do not believe one letter of any word that mope says.

This call " FIRM" is no legal firm. I have been a victim by them last week. Threating me " you are going to jail if you don't pay your loan" I know I did not make a payday loan. So I did some research about this "FIRM" and come to find out that this so called Firm has a lawsuit against them. So beware do not give your credit card number or send them money. SCAM. I report them to FTC and fdcpa and called the Jacksonville Fl local news and their local police department.

This call " FIRM" is no legal firm. I have been a victim by them last week. Threating me " you are going to jail if you don't pay your loan" I know I did not make a payday loan. So I did some research about this "FIRM" and come to find out that this so called Firm has a lawsuit against them. So beware do not give your credit card number or send them money. SCAM. I report them to FTC and fdcpa and called the Jacksonville Fl local news and their local police department.

I am taking a legal action against this collection agency. If anyone here would like to join me I would be happy to provide you the attorney's name and phone number who's familiar with these scums and already in the process taking a legal action against the LMP. I found numerous articles regarding the unethical practices from this " FIRM " along the website of the attorney from PA who dealt with this matter. After reporting to FTC and fdcpa, local jacksonville news, local department, I have not yet heard from MR. Green, Mr. West or Mr. KC " THE FIRM " crew. the best luck of them.

to threaten to charge you with a crime and jail time. Report them and they will be fined 1,000.

Unfortunately there aren't any fdcpa cops to report them too. You would have to file suit against them and it would be up to the judge to decide whether or not they violated. The penalty is up to $1000 but I have seen cases where the judge only granted the consumer $1.

Or, they might settle out of court with you like they did with me.

If nothing else, I would still report them to the FTC, your state's Attorney General's office, and the Florida Attorney General's office. The authorities need to be made aware of Il-Legal Mediation Mal-Practice's shenanigans.

Wish there were fdcpa cops, though. Love to see this place raided some day!

Point of correction though....area code 940 is my neck of the woods....their number is area code 904.

Anywho, I spoke initially w/ a Ms. Kimberly Dawson, who had left a brief but 'doom-and gloomy' voicemail earlier in the day. Ms Dawson was anything but polite and hung up on me twice in mid sentence. All I was asking them was what their company did and why they needed (presumably) me, and she was excessively rude. Third call back, at my request she transferred me to a Supe (Todd, no last name given). Todd was briefly helpful for about 35 seconds until he eventually hung up on me.

Keep in mind, I've become rather proficient at using the laws of the land to protect myself on one hand, and jab back repeatedly with the other (those sneaky, classless b@stards). Having gone thru this and other collection attempts in the past 18 months or so, I can assure you all this:
** YOU CANNOT GO TO JAIL NOR HAVE A GARNISHMENT LEVIED AGAINST YOU FOR FAILURE TO PAY A CREDIT CARD, OR A PAYDAY LOAN **

So at any rate, I decided that my best option is to keep calling these rude a$$es and have 3 Q's answered:
1) Who this company is
2) What is their area of expertise, ie. what is the company's function
3) How this relates to me

Using #3 as a launching point against me, Todd quickly blasted me saying since I cannot provide my personal info and confirm who I was to them, then they cannot LEGALLY tell me anything! I inform him, that he cannot retain the info I request b/c LEGALLY i am entitled under the Fair Credit Reporting Act and the laws governing Consumer Credit. Todd scoffs at me, asking if Im some sort of lawyer. To which I reply, "Im sorry, i cannot LEGALLY answer that question". This prompts another 'CLICK'.

I called them back again, optioned straight for the operator (Brad, I think), and at the beginning said I was just talking with Todd and he had rudely hung up on me. Brad excitedly says "Well then so will I", and sure enuff he does.

LOL

At this point I KNOW i've got them off their balance, and so repeatedly call them back demanding answers to my questions and they wind up threatening me again with HARASSMENT!!!

The best part is, they KNOW they cannot legally do anything...and when confronting their bully tactics they change their tune

PAY YOUR BILLS, MY FRIENDS, AND PAY THEM ON TIME AND AS BEST YOU CAN. BUT ONCE THEY GO TO COLLECTION, THE 'DAMAGE' HAS BEEN DONE. ITS ALREADY AFFECTED YOUR CREDIT REPORT AND RATING. YOU DO NOT HAVE TO PUT UP WITH THEIR BULLY-PULPIT TACTICS.

If anyone's interested, I have a wonderful legal-filled letter for those harassing you at work, please drop me a line :)

-BD

LOL!

Ben Dover, I wish you could post a recording of the phone conversations you had with these idiots, I bet they was entertaining as heck! I know I have had a few phone conversations with CA's that would make for entertaining listening.

I too have been threatened with being reported for harassing CA's that started off their contact with me by heavily violating the fdcpa. They didn't like it when I called them on it and started ticking off all their violations to them, and they absolutely hate it when a debtor stands up to them and doesn't fall for their tire old cliche' CA garbage!

Il-Legal Mediation Mal-Practice certainly leads the pack when it comes to illegal CA's violating the FDCPA with their foolishness.

They call me at work and threaten to come to my home and work. They also said Icould go to jail for this. they wouldn't make any payments arrangements with, Brad Sharp hung up on me after he didn't get what he wanted. I called back and then Mr. Griffin answer the phone and told me to shut up, and he also threaten me. That better get this taken care before 5pm. Could they do this to me?

Relax, Sue!

No, they cannot arrest you for owing a debt and not repaying it, for any reason. They are just trying to scare you so you will cave in to their demands and give them your money for a debt you may, or may not, owe.

Think about it, if the police were going to arrest you, would they give you warning before-hand? No, they would just do it!

Send these idiots and debt validation and partial cease and desist letter, stressing the fact they are not to call you at work again. Once they do, and I'm going to go out on a limb here and say they probably will, then you can sue them for fdcpa violations. I would also record any and all phone conversations you have with these people! Be sure to check your state laws regarding recording phone conversations; are you in a one-party or a two-party state.

You can read through this thread, as well as a few other threads in this forum, and will you will see all sorts of posts concerning Il-Legal Mediation Mal-Practice and the shenanigans they get up to when contacting debtors. You will also find their contact information, as in their address and fax number, so you can send them that DV and C&D letter.

Today me and my wife got a phone call from these people at legal mediation practice saying they are trying to get the money back from a payday loan we had gotten and they told us that if we didnt give them the money by 6:00 today that they would prosecute us. We called a friend of ours which is a lawyer and he said theres nothing they can do we have not committed any crimes.

Javier ~ Which payday loan company are you talking about? Which state do you live in? How much did you borrow and how much have you already paid? Is this an internet pdl or storefront?

You aren't going to jail...rest assured that the K9s aren't out looking for you!

I think its Allied and I live in california. we borrowed 255 and we have to pay back 300. We havent been able to pay bacl anything yet times are really tough for us. Its a storefront not internet.