legal mediation practice

most collection agencies are very concerned with their standings with the ACA. If you would like to go that extra step, and report to the collections "Big Brother" fill out and file complaint to E-mail address removed as per forum rules. - Jason and file under File an Ethics Complaint. you can e-mail the form to ACA at E-mail address removed as per forum rules. - Jason, fax it with any supporting documentation to (952) 915-3922 or mail the complaint and supporting documentation to: ACA International, Attn: Ethics Department, PO Box 390106, Minneapolis, MN 55439-0106. I would love for someone to lead the ACA to this thread about the many violations. I, myself know about the company (very well) but I never personally had a payday loan that LMP tried to collect. Unfortunately they have never violated the fdcpa against me, but YOU can !!

have been getting calls from Legal Mediation Practice, demanding payment on 2 checks that were allegedly written on a closed account. Now back in June I had 2 checks returned NSF, in which I made restitution with 2 BANK checks made to Check N Go...LMP would not give me any facts and made up an account number to this alleged checking account that was closed. Eventhough I have made restitution 8 months ago, have never had a closed bank account they are still threatening to put me behind bars. I am gathering facts, have original documentation, to present to Maryland AG office, it still sucks that they call and threaten all the time...

I just filed a complaint against these guys. One Elizebeth called and begun asking if I needed an attorny. When asked if they were taking me to court she would not reply. I took this this a threat. When asked for a supervisor she refused to get one. I will now file a complaint in MN. Where can you find the recording laws for your state? I'd love to get these debators on recording.

Second, I never said I would't pay them. I told the orginal holder of the loan I would pay. They need to give me more time and reduce the penalty fees. They did neither. A 1.5k debt jumped to 3k.

I asked the collector how much they bought the debt for i.e .25 on the dollor she claims they didn't buy it that they are working for the original lender. Pretty sure that is BS since the lende shows it as Charge off.

Last someone in here said that this hurts your credit rating. The sad thing is since this charge off I've been offered other credit cards, approved for refi to safe my house. The effects of credit card charge offs are so minor its almost funny.
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Actually it's not minor, you should watch the documentary "Maxed Out" it's enlightening. Also you can find recording laws and quite a few other resources via the link in my signature.

I'm quite frazzled right now about Legal Mediation Practice. I originally received a call from the the end of January. I had a payday loan that had not been paid. They ran my check 3 times and I closed the account after the second time because I told them there was no money there and I would work out a way to pay them. Then, the cash advance company called me from corporate and told me i had to pay in full. I told him I could pay $20 a month for now because i was out of a job. They told me to "keep your money, it won't help".

The end of January, I received this call from Legal Mediation Practice. The person told me I had until 8pm to pay the debt, or I would be dealt with at my home or place of employment. I advised him I could pay $100 that night and try to pay the rest 2 weeks later. I gave my debit card # and they debited $100. Then, 2 weeks later I called and asked if I could pay $300 (total debt was $560). He said that would be fine and, with fees, charged my account $332.50. I then called him 2 weeks later and advised him I needed some more time to pay the rest. He said he could file a hardship that would give me to March 7th to pay the rest. My phone had been off for the past week, so I called him today to tell him that and I could not make the payment right now and what can he do. He said he has done everything he can and if he files this, then i will be back at square 1 and have to pay everything all over again. I asked him what would happen to my $432 I paid. He said it would go to fees. I told him that I needed to make sure my bills got paid and he said "well, you won't be worrying about your electric when we deal with you legally". I got upset and told him I had been making an effort to pay off the debt and that was clearly obvious by the payments i had made and by keeping in contact with him. I told him not to treat me like a deadbeat and tell what else we can do. He told me that he was done speaking with me, he wants to help me but if i think i can make the rules then he is not listening and i should get and attorney and then he hung up the phone.

I know they can garnish my wages, and whatever, it's $179. I have every intention to finish paying it off, i just have to make sure my electric is paid and i have a place to live. Right now, I don't even know how i'm going to pay my rent, so this is not my top priority. But I will pay it off.

I don't know if this is considered writing a bad check and that's what i'm worried about. Can I be arrested if I have made an attempt to pay off the debt? The check was never signed and it was technically post dated for 2 weeks later. In fact, the check was voided (i wrote on the front and back). I'm really freaked out here. I just want to get my life back on track and I don't know how to handle this. Can they really take the $400 and make me pay it all over again?

They would be violating the fdcpa if they used the funds you paid and applied it to fees as you have the right to choose where the money you pay goes to.

Additionally I don't see where valid fees such as that could be charged.

What the guy was trying to explain is that they are not a collections agency, so it doesn't work the same way. I honestly don't know because the ONLY information I can find online about them are stories of people being harassed by them. After he hung up on me, I called a law firm that handles collection harassment and they said this didn't qualify because they didn't threaten bodily harm

SOOOO, I'm not quite sure what to do about this. There aren't $400 in fees that have accumulated. And then he tried to say that their fees would be added on if I didn't pay it off. So what, the cash advance place doesn't pay them?

I guess we'll just see what happens. But at this point, I have started to pay off the debt, i don't think i'm going to get arrested....

You can't be arrested for that. Did they threaten you with arrest?

he didn't say the word "arrest", but he kept saying I would be dealt with at my home or place of business.

he didn't say the word "arrest", but he kept saying I would be dealt with at my home or place of business.

That sounds more like a masked threat of violence, perhaps assassination. Although he was blowing smoke up your back side, you could still articulate that in court. That would be enough for me to sue them.

I agree, JCEMT. That's definitely grounds for serious legal action.

I recieved a call from them--I played phone tag with them and then finally after alot major attitude--I came to a payment agreement of 1/2 today and 1/2 next Friday. Does anyone know if I will be able to open a checking account once this is all paid off?

Jenn--I hope with all sincerity that you got this agreement in writing, otherwise I would not pay them anything. With nothing to prove that they agreed to this, some CA's will keep trying to collect after you pay this amount.

Tell them you want it in writing or you cannot proceed, seriously, for your own protection. There is no reputable business on the planet that I can think of that would have a problem putting sush an agreement in writing for you. If they dont do it, or say that they cannot, then something is wrong.

I received a call from this number and they stated that my number was left as a contact number and would I tell the person that they owed money and it needed to be paid today or else. Is this not against the law to tell someone else about a debt owed? When I told the man that I did not know how to get hold of the other party he called me a liar and threaten to sue me for withholding information. I told him what I thought of him and hung the phone up. He immediately called back but I didn't answer.