Marcadis & Associates Law Firm

Here's a new one to watch out for, especially in Florida, that I reported to Budd Hibbs. Bottom feeders who go for the jugular (judgments). They are in Tampa and represent such esteemed "clients" like lvnv funding llc and CACV/CACH. They love serving papers and trying to force you into "stipulation agreements", then wait till you miss a payment and grab an instant judgment. They won't respond to DV letters. Send a DV letter and they send a summons requesting a pre-trial "mediation", probably hoping you won't show up.

Thanks for that! I live in Florida and am very concerned about people like this. We finally are bringing down Bass and now we have a new bottom feeder. What does Bud say about them?

I just recently gave information to Bud. I'm sure he will look into it and any other complaints he may have received about them. It's not surprising that a new one would show up, given that so many of the other ones are being sued themselves for violations. It's the old story. If you run into one like this, just cover your bases. They can ignore DV's until you bring them to court. They have to validate. It's the law.

Another one that has turned up recently is Smith Haynes & Watson. They collest for illegal IPDLs like East Side lenders and use the same threatening "send the money in one hour or we will have you arrested" routine as Ellis Crosby and Bass Associates. They apparently are also in Jacksonville. I emailed Bud about them but he said he has not heard of them but requested more information.

This is pure weirdness. Check out this thread about calls Marcadis is making. (Some of the reports are mistakenly listed as coming from Martinez & Assoc.):

http://800notes.com/Phone.aspx/1-813-288-8605

If these reports are true, then Marcadis & Assoc. is using caller ID spoofing to list the caller as "Christ The King."

Wow, I thought they would spoof and use "michael bolton" and the hold music while you're waiting is that song "when a man loves a woman" hahahaha.

Wow! Having a fake caller ID name is a violation of FCC regulations and carries very stiff penalties. Are they morons or what?

Yes, watch out these bottom feeders. They are scum. The worst I have seen so far. They filed suit on me for a credit card that was charged off 5 years ago and has passed the statute of limitations in Florida (four years in Florida). The worst thing about these people is that they claimed I was served, but I never was. I found out they got a default judgment on me (obviously since I never new the suit existed) and I have hired an attorney now to get the judgment vacated. I was amazed that there are scum like this. I was lucky to have found out about this as soon as I did and have a course in motion. Funny thing about the process server's notes was how far off the description of me was. I was described as 40+ years of age (I look no older than 33), brown hair (I am blond), and 180 lbs (I am 220 lbs with a very muscular build). Unbelievable. So the process server must be color blind, need glasses, and only see people in 40 lbs increments. Hmmmmmm........or maybe it was falsified service for a particular cause. To ensure a default judgment maybe???? Definitely.

Hi Eddie--

Great info, thanks a ton!

A few things for everyone to know--first, if you request DV and their response is to send a summons to mediation, then SUE THEM, because that is a dead-on violation of federal law. fdcpa doesnt allow any collection activity to continue once they get a DV request, until they honor it.

Frog--I was not aware of that, that the FCC doesnt allow them to do that. Let me ask you, is it illegal if they set it up so that when they call my house, my name and number show up on the caller ID? NCO has done that to us before....

Thanks again, Eddie, great find!

I recieved a letter from these guys saying they got a judgement against me. I checked public record and their it was. A writ of garnishment is issued to my bank. And the account is under my husband and I. Can they really do this the debt was over 8 years old. And on my divorce papers it said that both my ex and I were responsible for the debt but it was less than 500.00

Were you ever even served on this? If not, then contact the judge who issued the judgement to see about getting it vacated for improper service.

They served me a letter that said If I don't contact them within 10 days my driving privelages are going to be denied...so what do you think I should do?

Is this in connection to a debt or a traffic citation?

Certain government debts may result in revocation of your operator's license but I'm willing to wager that they are trying to scare you.

what is DV letter? These people garnished my bank account. I have been paying them for over two years and a few months ago I was late on a payment.
They issued a judgement for immediate payment of the balance of $1300
which I do not have all at one time. I have continued sending them a monthly payment of $150. This weekend I received a notice from my bank that they had garnished my account. Now I have to deal with an overdrawn bank account.
They included a copy of the writ and forms to file exemption and request for a hearing. Should I take further steps than this to recover my money or wait until I hear something from the court.
Thanks for any help.

DV = debt validation. How was they able to garnish your bank account? Did you go to court and a Judgement was issued against you. If not it is illegal to garnish someones wages or bank account without a judgement from the court. If there is a judgement, you may can get it overtuened if you weren't served papers to appear in court for the hearing.