Information needed on CAs

What is the name of the collection agency? That will help us out cuz if any of us have personally dealt with that agency, they can offer you advice and also better answer your questions

If your friend hasn't moved from the place from where she originally took the loan, the pdl company and the CA must have a valid license in your friend's state before any legal actions are possible. By laws, all disputes have to be settled in the court of the borrower's state.

Yes, debt settlement companies can work with pdls that are sent to collections. If you know any settlement company, talk to them about your friend's situation so that they can start negotiating on her file, before anything legal shapes up.

The name of the CA is Acoount Receivable Management located in Jacksonville, FL. We are in Arkansas and the IPDL nor the CA is lic. or registered with the state here.

This is the closest match I could find in florida's licensing database.

Licensee Name: ACCOUNTS RECEIVABLES MANAGEMENT INC
License Type: CCA
Status: Active
Audit: CCA 0700501
Reg. License ID: LI00000591493
Initial Effective Date: January 2, 2006
Expiration Date: December 31, 2007
Disciplinary Action Indicator: None
Branch Number: 000000

Business Address: 2020 NE 163RD ST #209

N MIAMI BEACH
33162
Phone Number: (305) 354-7557
E-Mail Address: None
Mailing Address: 2020 NE 163RD ST #209

N MIAMI BEACH FL
33162

I would file a complaint with your state's banking dept and ag's office. CA's have to be registered to collect in each state.

before you even do that, you said that the PDL company is not licensed to do business in your state, is that right? If that's the case, then they have no chance. They broke the law to solicit business where they dont have the legal right to do so. So many consumers dont think about checking these companies out before they do business with them--thanks to my experiences, I check out everyone now, but I didnt used to. Check with your state--in my state there is a 'secretary of state' office that handles licensing for businesses. Check to see what it is called in your state and contact them. You should be able to find out the penalty they face for doing business without proper licensing. Then, apply the same to the CA. Once you can prove what fines they will face, I would then turn it back against them. Send them a letter, detailling the laws they broke, and the penalties for those violations.....and then, inform them that they can proceed with harassing you if they wish, but if they do, you will then file charges in your state against both of them, and you will also sue them for repeated violations of the fdcpa, which is federal law. At the end of the day, they can owe you up to $1000 for the FDCPA violation, plus the fines and penalties for breaking state laws. Ask them if the amount they claim you still owe is worth over $1000 that it will cost them....

please let us know what they say in response.

EDIT--if this does not get them off your case, if they still try to collect, then just sue them. At that point, they will have demonstrated flagrant disregard for the federal and state laws governing their own business--so make them pay you for their ignorance. No one deserves to be treated like that....

United Legal changed its name to Account Receivable Management a few months ago. Here's the info:

9000 Regency Square Blvd.
Suite 1
Jacksonville, FL 32211
Phone - 877-726-8505
Fax - 904-493-4654

They mostly collect for MTE (same as Rio Resources) and National Title Loans. Both companies use a LOT of different names so you may not recognize these.

Thanks for the info guy, my sister said the IPDL was from Cash Advance Network. Now I've been reading a few posts and I can't get it quite clear in my thick skull, is Cash Advance Network the same as MTE Financial? And if so, is this the same business that is no longer supposed to be lending money and any debts are null and void? I think I read a post somewhere on here about that. Just would like to get that clear so I know if I'm comprehending what I'm reading right?