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Person that Cares · Posted: Fri Dec 28, 2007 12:27 pm Subject: Legal Media Practice

Dear all that have been contacted by Legal Media Practice.

I was reading all of these comments on the Legal Media Practice after I received a call from their office so I was prepared on how to handle them. I talked to a Mr. Davis and asked the basics. Like: Where is this coming from and how much is it? The man said that I need to pay it by 8PM tonight. I simply stated that I would be able to pay it on the 4th of Jan, 2008.

He said that he would need to secure it with a debit card or an account. I told him by no means would I do this because I had experienced fraud on my account and also my identity was stolen and it would have to be by certified check or money gram. He said no problem and gave me the information for Money Gram. Now, with this all being said: I contacted them back right away the first time and made a verbal promise that I must keep. Maybe the people become threatening if you do not return their call? This gentleman was kind and very willing to help me out. If you are contacted by this company I would do so right away.

As an example: I took a payday loan out with PayDay Loan for 350.00 and because of their fees and monthly fees added, they are now expecting 730.00 which I have no choice but to pay. It was in the contract and is a legal document that can and will be taken to court. The lesson learned here is to one not default on a loan and to never take out any payday loan because they are expensive and have a lot of fees and charges that they have legal right to obtain from you. Also, the longer you wait the more charges they will add. For each payday not paid they charge like 45-90 dollars and then they tack on late fees. Please, for your sake, contact them back and try to settle it right away.

Take care,
A Person that Cares

Posted: Fri Dec 28, 2007 12:54 pm Subject:

Trolls are in abundance today!!!!

Posted: Fri Dec 28, 2007 1:31 pm Subject: Good For You!

Person That Cares,

I'm really happy you had a good experience with the crack-heads . . . er I mean professionals at Legal Mediation Practice. Good for you! In my opinion, you are the exception to the rule that is a pattern of abuse and violations of the FDCPA by LMP against debtors.

You are, however, dead wrong on these people. Illegal Mediation Practice started with violations of the FDCPA with the very first phone call to me, which happened to be a message they left on my answering machine. So no, it wasn't like I started out being nasty to them, then got it right back from LMP; they had not even talked to me and it was the first phone call I ever received from them. Then they compounded their error by being nasty to me when I called back, wouldn't give me their address when I asked for it, kept referring to me in a derogatory way by calling me "Mr. Man", then ignoring my cease and desist letter and continuing to call me.

There are many more, but you get the point.

Also, I have never read a post on this forum where someone advocates not paying their debts. A debtor is, however, entitled to being treated with dignity and respect from the CA's (including Legal Mediation Practice) while they are attempting to collect on a debt. LMP seems to think the FDCPA is more a guideline, not a law. Or worse, that it just doesn't apply to them. So until LMP starts consistently abiding by the laws, then I am glad this forum is here to help people that have been victimized by this company.

Also, don't you think paying 730.00 on a 350.00 loan is a bit much? That's more than twice what you originally borrowed.

And it's a good thing you didn't give him your debit card number. I'd be willing to bet you would have found you bank account cleaned out.

Posted: Fri Dec 28, 2007 1:39 pm Subject:

Posted: Fri Dec 28, 2007 1:40 pm Subject: LOL!

OMG! LOL! I didn't notice that!

Thanks for the laugh Vollyballmom!

Posted: Fri Dec 28, 2007 1:41 pm Subject:

Also, maybe person that cares lives in a state that allows that kind of interest, but most states don't.

It is always best to check your state laws and check with your state DFI before paying a payday loan collector. Make sure you only pay what you legally owe.

The contract is not legally binding if the company does not have lending authority. Most internet based payday loan companies do not have any licenses, therefore they are lending illegally. No judge would hold up the contract just because it's a contract. The provisions of the contract must be within the law.

ezrunner · Posted: Tue Jan 01, 2008 9:57 am Subject:

My girlfriend was contacted by these abusive and rude people. She took out a pyaday loan and thought she had paid the entire thing off when she closed her account. never heard from the original payday loan company about it. fast forward to december 2007 they actually called me trying to contact her they wanted 900 dollars by 5 pm it was 3 pm. like many we asked about to get info and were denied or told to contact the original payday loan company. we ended up making arrangements. Now I am starting to wish we hadn't wish i had found this resource before. we have one more payment left of 300 after reading here I have some serious questions about the validity of said debt. they also have my card info I may be changing the card and number very soon.

any suggestions?

Posted: Tue Jan 01, 2008 10:06 am Subject:

What state did you reside in when the loan was taken out?

Posted: Tue Jan 01, 2008 10:54 am Subject: formerly ezrunner

State of Virginia which we still reside

"My girlfriend was contacted by these abusive and rude people. She took out a pyaday loan and thought she had paid the entire thing off when she closed her account. never heard from the original payday loan company about it. fast forward to december 2007 they actually called me trying to contact her they wanted 900 dollars by 5 pm it was 3 pm. like many we asked about to get info and were denied or told to contact the original payday loan company. we ended up making arrangements. Now I am starting to wish we hadn't wish i had found this resource before. we have one more payment left of 300 after reading here I have some serious questions about the validity of said debt. they also have my card info I may be changing the card and number very soon.

any suggestions? "

Posted: Tue Jan 01, 2008 11:47 am Subject:

You should ask them to break that down and show you how they came to that amount (e.g. fees, interest, etc.) as of now your looking at about 800%+ in interest rate, which violates many state regulated laws. You should seek legal council before proceeding any further with this agency.

Posted: Tue Jan 01, 2008 11:57 am Subject:

+1 to the advice JCEMT has given you. Don't let yourself be taken advantage of.

Posted: Tue Jan 01, 2008 12:05 pm Subject:

I have learned that now thanks for the reply. would it be wise to send a debt validation letter still

Posted: Tue Jan 01, 2008 12:18 pm Subject:

Sure, your entitled to that information upon request.

Posted: Tue Jan 01, 2008 3:05 pm Subject: Absolutely!

yes, send them a debt validation letter. Also, I would definitely close down whatever card you used to pay them (debit/credit); maybe reporting it as lost or stolen. If you don't, I wouldn't be surprised if LMP cleans out your bank account, or maxes out the credit card, whichever you used. If they haven't already.

And yes, they do have to validate the debt, it's part of the FDCPA. They don't just tell you to contact the original creditor and leave it at that.

Now, my question is, when you wrote LMP contacted you trying to contact your girlfriend, you said they gave a deadline of 5 PM to pay it? Did they tell you, a third party, all of the information regarding the fact they are collecting on your girlfriend's PDL? If so, that's third party disclosure and a violation of the FDCPA.

Also, you advised they were abusive and rude when they contacted her. If they have violated the FDCPA by doing this or in any other ways, when dealing with your girlfriend, I would definitely seek out an attorney and sue. You definitely need to file complaints with your State's Attorney General's office, the FTC, the BBB, and Florida's Attorney General's office.

I truly wish we could make these pukes go away!

jackms · Posted: Sat Jan 05, 2008 1:44 am Subject: Legal mediation practice

Legal mediation practice made me cry today. I just went back to work Dec 7, 2007. I am willing to pay them but they are refusing to work with me. They want $820 in two hours for an orginal debt of $325. My state (MS) does allow prosecution for bad check writers with an intent to defraud. I was not trying to defraud I made an effort to make payments but the Payday loan company always made a deposit before the date of the arrangement.

Can debt consolidation stop these types of collection practices?

Posted: Sat Jan 05, 2008 6:20 am Subject:

Actually what you should do is get a attorney, one specialized in Fair Debt Collect Practices Act as well as truth in lending and usury law. First of all, the interest they are charging you I can say with almost one hundred percent certainty is not legal. Second, when a debt collector calls you they have to send you a dunning letter within 5 business days giving you the opportunity to exercise your right to dispute/request validation. You can use this to turn around and sue them.

What did they say about 2 hours, pay them in 2 hours or else? Did they make some type of threat?

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