legal mediation practice

I just got a call yesterday from legal mediation services for a payday loan, and they treatened to come to my work and/or home to get me. I just heard from them for the first time yesterday and they demanded the money in full or else! Is this legal in PA.? Help!!!

I just got a call yesterday from legal mediation services for a payday loan, and they treatened to come to my work and/or home to get me. I just heard from them for the first time yesterday and they demanded the money in full or else! Is this legal in PA.? Help!!!

Welcome the the community Guest.

They can't "come and get you" it is one of the many illegal tactics they tend to employ. Debts are civil matters, not criminal. Per the fdcpa third party collectors are not allowed to accuse you of committing a crime or threaten you with arrest or imprisonment.

Guest, it's pretty much not legal anywhere, not just in PA, for a CA to threaten to come to your work or home to "get you." These idiots at Il-Legal Mediation Mal-Practice are well aware they are violating the law when they do that. Not paying a debt is a civil matter, not a criminal matter. And if they were so spot on that you had written a bad check, they would have already had you arrested for it, not calling and threatening you with it like they did.

You need to file complaints with your state's Attorney General's office, the Florida Attorney General's office, and the FTC. I would also recommend sending these dill-weeds a debt validation and Cease and Desist communication letter via Certified, Mail/Return Receipt Requested.

If you do a search for Legal Mediation Practice, you will find several threads regarding them. If you skim through them, you will find all their contact information, along with other stories of these idiots doing the exact same thing to other debtors.

I cannot believe I am the only one that has sued these @$$-Clowns, so I can't figure out why they continue to violate the law like this! Maybe they just need more lawsuits filed against them for fdcpa violations so they get the hint?

There was a Cliff Stoddard from the Senate Permanent Subcommittee on Investigations here a week or so ago asking about info on US National and abusive collectors. Wonder if he notice LMP?


http://www.debtconsolidationcare.com...ll.html#383968

They have called me to and want my statement. I had planned to pay it off too and tried to make payment arrangements. He says he wants my statement. I lost my job. The number he gave me is 1-800-201-0565. So how do I find out that they cant press charges against me for faund or put me in jail. Thank you

My husband recieved a phone call today about owing a "payday loan" from 2006. They percieved themself out to be a "legal firm" and told him if he did not have them the money by 9 am then a police officer will be at his work or home to arrest him. Well I did some research online and all I can find on them is they are a debt collection agency. And I went to a site that you can ask an attorney a question and they answer it. Well I didnt even have to ask. The question was already on the front page. What do I do they threatened to arrest me if I dont pay....guess what company....legal mediation practice!! The attorney said that its very unlikely for them to press charges all they will do is say that into scarying you and if you do then they will go ahead and follow with a civil suit. So I wouldnt worry but do try to pay off the debt. I do have a question though. While looking at info on them I found at least 150 people complaining of this company. There has to be a way ALL of us could go together and do something...???

They did the same thing to me. They cannot incarcerate you for not paying a loan back. When you take the loan out, the fine print reads that you will not be criminally prosecuted for non-payment. That is why it is sent to mediation. They actually told me to grow up and hung up on me. I reported them to the company they are collecting for and also to Consumer Affairs.

I received a phone call as well from these people. Under Section 807($) in fdcpa's guidelines prohibits falsely representing or implying to the consumer that nonpayment "will result in the arrest or imprisonment of any [53 Fed. Reg. 50106] person or the seizure, garnishment, attachment, or sale of any property or wages of any person.

Everyone who has received anything from this company, simply report it to the State Attorney General's Office and State Banking Office, as well as your State's Attorney General's Office and State Banking department. State Banking regulates the activities of all collection agencies, mortgage companies, some smaller banks..etc.
The debt validation at this point is not necessary. You need to immediately move to what I like to call administrative remedy. If the Attorney General's Office comes down on this company or if State Banking does, the associates who place the phone calls can be charged with misdemeanor crimes (depending on your state's laws) both the company and the associate can be fined!

Once this is done, go after the original creditor whether it's CashnetUSA or whom ever....

Also run this company through your Secretary of State and make sure they are licensed to even do business in your state, if not the Attorney General in your state will crucify them...

I do this for a living.

Good advice, CreditRepairGuy.

For far too long, these @$$-clowns at Il-Legal Mediation Mal-Practice have made it a point to violate, in the extreme, the fdcpa. They must think they are above the law or it doesn't apply to them.

They need to be shown they are incorrect.

As he said, make sure to report their violations of the FDCPA to the Florida Attorney General's office, as well as your state's AG's office, and the FTC. It's the only way these jerk are going to be brought under control.

I guess I am in the same boat as the rest. Some idiot here posted a statement saying that maybe we should just stop writing bad checks and not paying what is due to this company. Let me first say that just because someone bounces a check or has an issue paying back a payday loan does not make them a bad person. Situations come up all the time and good people get stuck in this situation. I had to get a payday loan to travel back east because a family member died. I spent my own money to help with the funeral arrangements. When it came to making the payment back to the loan company, I had to choose to help my family or pay the loan back. Obviously I made a poor choice because I chose my family first. Come on give me a break. I would do it a hundred times over. I never intended to default on the loan, I just got stuck in a bad situation. Anyway, there is absolutely nothing they can do to you other than harrass you on the phone. I spoke to a Police Officer about this and there isn't even a law against defaulting on a loan. the worst they can do is send the information to the credit bureaus and make a negative mark on your credit.

Nicely put, Same Boat.

Sorry about the loss of your family member. For what it's worth, I think you made the right choice too, helping with the funeral arrangements.

thank you for the nice comment FloridaRon, I just spoke to my attorney and he practically laughed himself off of his chair. This site has been extremely helpful. Everything said here is right on the money. I called Legal Mediation and informed them of my intention to file a law suit for their gross violation of the fdcpa. They still gave me grief but changed their tune a bit and told me I can make any kind of payment plan I want. Funny what happens when you have the right information. thanks everyone

LOL!

Yeah, I filed suit against them too. They settled out of court, which just did pay off what I owed. So it was a win-win for me.

Once I decided to sue them, I never contacted them again. I let the attorney do all the talking. He said they were very nice to him, and provided the details on the debt to him without any fuss, which they refused to do for me.

Glad it worked out for you too.

this company called me at work and threthened me if i don't pay i'll go to jail and they won't work with me in paying it off, cause the supervisor said i have two pay day loans with them that by law they can take me to jail. what should i do?