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Posted: Thu Oct 20, 2005 2:34 pm Subject: United Legal and Rio resources

Well I got a call from United Legal Corporation today. This is where Rio Resources sent my loan that I have defaulted on. When I spoke to the women today; Cindy Jones (I think a collection agents change there name for there own safety) she stated that I owe them $300 and that she could do 3 payments, etc. I explained that I wanted her to validate the debt and then I would call her back. Well then she begin to ask questions if I had $300, blah, blah, blah. We can do three payments, ets. I explained that our bank account was frozen and then she said we accept credit cards. Dont have it. Well you have a savings account, right? Dont have it. I will have to send payments to you via money order after I have received validation of debt. Well we cant accept money orders and the only way you could send a money order is if it was for the whole $300 and we would have to receive it within 48 hours or else. I am thinking to myself or else what? I dont think they will take me to court over $300. It would cost them way more money. If I had the money, I would send it. So what will happen if this lady isnt willing to work with me on a payment arrangement?

Posted: Thu Oct 20, 2005 4:09 pm Subject:

Stick to your proposal. Most of us know that United Legal Corporation is not a good company to deal with. But unfortunately, they have purchased your debt. But, be sure to get it validated before you send money to them. Until the debt is validated, you have the legal rights to refuse payment.

Have you sent your debt validation request through certified mail with return receipt requested? This is important because it will prove that you have shown your interest in paying the debt and it will be done only after they have validated your debt. It is the CMRRR serial number on which the court will look at. Pressure will be on the opponent failing to validate your debt.

And I assume it won't reach that far to the court for $300. But if your debt is not validated and they report to the credit bureaus with negative information, then you might think of suing them.

Posted: Fri Oct 21, 2005 8:25 am Subject: Validation

They sent me an e-mail letter of validation, nothing via mail. Can I wait until I receive something via mail? Or what should I do.

Posted: Fri Oct 21, 2005 12:19 pm Subject:

Is the email giving you all the required information about your debt? If you find the accounts shown correctly, you can go ahead and make payment arrangements. Make sure to send it certified from your side.

Posted: Fri Oct 21, 2005 2:32 pm Subject: Information

Well is this is what they sent me. I think it is very brief.

United Legal Corporation
9000 Regency Square Blvd. Ground FL, Jacksonville, Florida, 32211
Ph: 877-726-8505 Fax: 904-493-4654

October 20, 2005

RE: Rio Resources
Acct:
Date Listed: 10/19/05
Date Delinquent: 09/16/05
BALANCE: 300.00

Dear TATE, HEATHER :

This account has been listed with our office for collection. We are hopeful that you will act
promptly and forward payment for the outstanding amount as quickly as possible.

You may also send your payment via Western Union or Moneygram To:

Payable to United Legal Corporation
Moneygram Western Union Quick Collect
Jacksonville, FL Code City: ULC State: FL
Receive Code: 3168

If you have any questions, please call my office.

Eric Masters
Account Manager

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or
any portion thereof,this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof,
this office will obtain verification of the debt. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor.
October 20, 2005

Posted: Fri Oct 21, 2005 2:47 pm Subject:

Htgt123

This debt has not been completely validated. It is missing some very important information. Please see the following points for disputing to this debt validation sent.

The details of the account.
All the calculation should be shown of the amount that is owed.
Any copies of the papers to be furnished that shows the payment agreement.
Provide a verification or copy of any judgment if applicable
The original creditor needs to be identified.
The Statute of Limitation needs to be proven for the collection of the debt.
The license of the collection agency applicable in the state is to be furnished along with the license numbers and Registered Agent
Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.
Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.
A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.

Regards
Roxette

Posted: Fri Oct 21, 2005 3:22 pm Subject: Thanks

Yeah, I thought it was a bit cheesy too. Thanks.

Do you now where I can find an example of a wage garnishment revocation letter?

Posted: Fri Oct 21, 2005 5:25 pm Subject:

Wage garnishment is not possible until you are asked to appear in the court and court orders have been obtained by your creditors. On the court date, both of you will be asked explanations before the judge decides anything. Make sure that you have the receipt of this re-validation request with you on that day.

Desiree · Posted: Wed Oct 26, 2005 9:36 am Subject: United Legal corp.

This company called me about 3 payday loans that I had defaulted on. If you know about Ellis and Crosby then this is the same type of company you will be dealing with. They will threaten to have you processed in 1 hour, if you dont pay. And the same jail shit like Ellis. I learned my lesson by getting scared and paying Ellis. Well I will not be paying this company after the things they told me. They will get payments from me when I can afford it, without threating me.

Posted: Wed Oct 26, 2005 10:43 am Subject:

Hi Desiree

Welcome to the forums.

Take a chance to make your approach a bit stronger while dealing with United Legal. As they are asking to pay on a certain debt, ask them to submit the complete information of the said account. The debt validation process is your legal weapon as per the FDCPA law which will help you in identifying the real debt collector from a fake one.

If they are unable to respond to your request, you have the rights to take actions against them if they have hit your credit report negatively.

Do let me know your take on this.

Regards
Roxette

Blossom · Posted: Fri Sep 08, 2006 7:17 pm Subject: United Legal problems...Just beginning

I have recently run into a lot of financial problems. So I ended up defaulting on an online loan I submitted. I tried contacting the company (Xtra Cash) but I had no contact numbers, I couldn't find there website, I even called Check Systems (as I signed up to have the money taken out of my account) to see if they had any contact information and they didn't. Anyway, United Legal called me today at my job. When I got the message, I called back with the intent on working something out, but she told me the only way I can make arrangements is by giving credit or debit information now to secure the payment. Of course, I don't have that, so she got very irrate with me and told me if I don't make arrangements by monday they will be forced to take legal action. What do I do?

John Doe · Posted: Tue Nov 21, 2006 6:10 pm Subject: I am confused

I have been reading through the posts on this thread and it seems that everyone is interested in delaying payments vs. taking care of legitimate bills that they owe. Is this the case? Are the people here looking for ways to delay paying monies that they received and spent on 'whatever'. So the law has delay loopholes. Whats the point? If a collection agency calls chances are you KNOW what it is about and don't need a letter to delay the process. You need to do your best to pay? I know I am not the only person who feels this way.

Why YOU DON'T PAY, then I PAY. Also, the rest of the community PAYS. Why? Because the cost incurred by your debt is passed along to other consumers and we ALL PAY. So do me and my family a favor and pay your bills. PLEASE! I will do the same favor for you in return.

Posted: Tue Nov 21, 2006 6:14 pm Subject:

John Doe, this thread is in regards to an illegal internet pdl, read the threads more carefully about these types of companies. You will discover that the consumer has ALREADY paid their debt back and in EXCESS. Laws are being broken and the consumer is the victim. So don't worry those who have fallen victim to these illegal ipdls HAVE paid there debt. And their are no legal loopholes delaying the payment of the debt. The debt has been paid several times over and the law is only there to help the consumer fight illegal companies.

Posted: Fri Nov 24, 2006 3:48 pm Subject:

John Doe, first of all a lot us here intended to pay the loans off in full. however, circumstances happened (medical bills, car repairs, divorces etc). As for you paying for this, I don't remember anything in our laws saying that YOU had to pay for those who defaulted on payday loans. Some of us make mistakes but we are all trying to find ways to correct the mishaps. If you have nothing positive to contribute to the board, don't post here.

Posted: Fri Nov 24, 2006 4:56 pm Subject:

I think what he is trying to say is that interest rates increase based on consumer default. So if more consumers begin defaulting (I believe this to be true; I read articles about it all the time) then companies are forced to increase their interest rates in order to still turn a profit or even stay in business, in some cases. This is even true of PDL's. I remember in 2000-01 when you could get a PDL from any online company for $10 per $100. After 5 years of defaulting consumers, now it seems like now they are more like $30 per $100. That may be the primary reason why.

Posted: Fri Nov 24, 2006 5:03 pm Subject:

But they can not charge more than the state allows by law. The lawmakers would have to change the law in order for these pdls to change/increase the interest rate, and they still need to be licensed to loan in the states they are doing business.

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