My name is J.M. Carter and I live in VA. I had a payday loan that i defaulted on. I was contacted by Legal Mediation Practices and they threatened everthing from location and prosecution for bank fraud to Jail time even after I tried to make payment arrangements.
I contacted the lender and and collection agency after a day of talking and being terrified of what they threatened because I did not know any better. Once I found out what my rights are I sent a letter as I stated to both the lender and collector demanding satifaction.
The lender's attorney called me and they have written off the loan, forgave it. I am have since filed a suite against Legal Mediation Practices for violation of fdcpa and other very serious violations of law.
I am writing this to ask if you would be willing to discuss your experiences with me concerning this matter to help stop this company from doing this to others. Please feel free to email me at,
Email address removed as per forum rules - Mike. Please know this....I am NOT an attorney nor do i represent one. I am a consumer just like you. I had a hard time and needed cash to take care of it. Yes I intened to pay the loan back as I do not believe in being given anything. But when someone blatently breaks the law, that person or entity should be stopped.
Thank you all and find out what your rights are immediately when contacted. And make sure you document EVERYTHING. Names, dates, times, conversations word for word.
Jeff.