Lighthouse Recovery Associates

Has anyone ever worked with these people and who are they, I received an email from them this morning and have no clue as to who they are, if anyone knows anything on them please let me know, I will even paste the email from them on here.

Snowgirl, you are the second person to post about them this morning....from what I have read they are a CA for pay day loans, the posts were on ripoff report in reference to collecting for MTE. Did you have a loan with them or one of their companies. Also, if they threatened legal action, MTE (and their d/b/a's) is not licensed anywhere. Those threats are just that and they are trying to scare you into paying.

Here is the other thread I posted information to for you to look at.

http://www.debtconsolidationcare.com...35.html#388568

*content removed by moderator.

Did they borrow the money from you? NO so go back to your corner and stop judging people for you know nothing about them.

To the LRA associate above - validate the debt allegedly owed, then we can debate the morality of debt repayment. If you cannot validate, we don't pay debts because LRA says so.

Merry Christmas - hope to see you in court in 2009!

THIS COMPANY IS NOTHING BUT A SCAM

why is it the moderators on here always remove the collectors side of the conversation. we validate every single debt we have when its requested...and what do the borrowers do when they receive it,,,they magically stop answering their phone and and wont respond to any attempts to reach them...talk about scams..this whole web site is a scam...its one sided because you remove the opposing view anytime its posted and your telling people who borrowed money and (Did receive it) not to pay back what they took..i'll never understand that point of view..By the way the economy is in turmoil..why? because borrowers getting in over their head...hmmm maybe because they have people telling them how to avoid their obligations...just a thought..but this wont be up do to biased moderators..lol..what a joke
SameBox Response from "paulmergel":

Get a real job, collector.

And the economy is not in turmoil because of this you moron.

Tex, while you may not agree with Collector's point, he does have a real job, trying to collect debt. What consitutes as a real job is up to the person who is doing it (not you or anyone else for that matter)

As to Collector's point, have you gone through any of these posts? alot of them the collectors have failed to repsond to debit validation letters, inflate the amount owed to some "made up amount" or not even their debt to begin with. You may validate debts propertly but there are collectors out there, that use scare tactics, as well as false information. That's what we're here to help with.

Now, what consitutes as a validated debt? We can have a discussion till the cows come home and each of us would have a different answer, that is until the law is revised as such to include that.

how is it that a company can legally sell your information and you the customer not sue them? Everyones contracts says that they will not sell your information but they sell it over to the collection agency. Now the collection agency has your number and info and they call you like you owe them something.. when in fact you have never done business with them.

this should be illegal.

Read your cardholder agreements a little bit closer. All have clauses giving them the right to assign the debt to a CA or sell it to a JDB.

I have a question ... I have read so many things regarding this particular company that I am not sure what to believe. Can someone help with these questions? If a CA is NOT located in your state, can they sue you? If they refuse to give you any validation on the debt you owe how do you know how to proceed? Don't they have to work with you ... I mean if you can only afford $50.00 a month don't they have to accept it since you are making the initiative? And why do they have to be so rude and mean, honestly, we are all in the same boat here there is no need to be rude. If you tell them to stop calling you at work and then don't, then what? And finally, can't you claim your debt under Bankruptcy?

Thanks!

A CA not located in your state most certainly CAN sue you. They have to sue you in your county however. They simply get a lawyer in your area. (Though some purposely try to sue you outside your county, but that is easily fixed if you catch it.)

If they refuse to validate then there is a few ways you can go. You can ignore them, or you can go after them legally. If they can't prove you owe the debt then they are reporting information falsely on your credit report and they must remove it. If they sue you without validating, you demand the documentation in discovery and make mention that you requested validation and they did not provide it. You may also be able to countersue them for violations depending upon how they handled it.

They DO NOT have to work with you at all. They do not have to agree to any payment arrangements. Now, there is some states that has laws if you send them a payment and they refuse it, then they have just lost the right to collect upon the debt. I don't know which states do this, you will have to read your state laws on the matter.

The reason they are so mean is they are banking on your not being aware of your rights and the laws they must abide by. They try to force and cajole a payment out of you with strong arm tactics, shame and even threats. They are hoping you cave in and pay them without a fuss.

You need to send a cease communication letter to them certified mail, informing them that you are not allowed to recieve calls at your place of employment. If they call you after that, then that is a violation and you can sue them.

Yes. You can claim your debt in bankruptcy and there is not much they can do about it. Once it is in bankruptcy they are not allowed to attempt to collect from you. I am not sure if they can report the debt..I think they can if they list it as being discharged in bankruptcy, but I am not sure on this.

Thank you for your answers goldenbast! I appreciate it.