United Legal and Rio resources

Stick to your proposal. Most of us know that United Legal Corporation is not a good company to deal with. But unfortunately, they have purchased your debt. But, be sure to get it validated before you send money to them. Until the debt is validated, you have the legal rights to refuse payment.

Have you sent your debt validation request through certified mail with return receipt requested? This is important because it will prove that you have shown your interest in paying the debt and it will be done only after they have validated your debt. It is the CMRRR serial number on which the court will look at. Pressure will be on the opponent failing to validate your debt.

And I assume it won't reach that far to the court for $300. But if your debt is not validated and they report to the credit bureaus with negative information, then you might think of suing them.

They sent me an e-mail letter of validation, nothing via mail. Can I wait until I receive something via mail? Or what should I do.

Is the email giving you all the required information about your debt? If you find the accounts shown correctly, you can go ahead and make payment arrangements. Make sure to send it certified from your side.

Well is this is what they sent me. I think it is very brief.

United Legal Corporation
9000 Regency Square Blvd. Ground FL, Jacksonville, Florida, 32211
Ph: 877-726-8505 Fax: 904-493-4654

October 20, 2005


RE: Rio Resources
Acct:
Date Listed: 10/19/05
Date Delinquent: 09/16/05
BALANCE: 300.00


Dear TATE, HEATHER :

This account has been listed with our office for collection. We are hopeful that you will act
promptly and forward payment for the outstanding amount as quickly as possible.

You may also send your payment via Western Union or Moneygram To:

Payable to United Legal Corporation
Moneygram Western Union Quick Collect
Jacksonville, FL Code City: ULC State: FL
Receive Code: 3168

If you have any questions, please call my office.

Eric Masters
Account Manager

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or
any portion thereof,this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof,
this office will obtain verification of the debt. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor.
October 20, 2005

Htgt123

This debt has not been completely validated. It is missing some very important information. Please see the following points for disputing to this debt validation sent.

• The details of the account.
  
  
• All the calculation should be shown of the amount that is owed.
  
  
• Any copies of the papers to be furnished that shows the payment agreement.
  
  
• Provide a verification or copy of any judgment if applicable
  
  
• The original creditor needs to be identified.
  
  
• The Statute of Limitation needs to be proven for the collection of the debt.
  
  
• The license of the collection agency applicable in the state is to be furnished along with the license numbers and Registered Agent
  
  
• Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.
  
  
• Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.
  
  
• A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.
  

Yeah, I thought it was a bit cheesy too. Thanks.

Do you now where I can find an example of a wage garnishment revocation letter?

Wage garnishment is not possible until you are asked to appear in the court and court orders have been obtained by your creditors. On the court date, both of you will be asked explanations before the judge decides anything. Make sure that you have the receipt of this re-validation request with you on that day.

This company called me about 3 payday loans that I had defaulted on. If you know about Ellis and Crosby then this is the same type of company you will be dealing with. They will threaten to have you processed in 1 hour, if you dont pay. And the same jail shit like Ellis. I learned my lesson by getting scared and paying Ellis. Well I will not be paying this company after the things they told me. They will get payments from me when I can afford it, without threating me.

Hi Desiree

Welcome to the forums.

Take a chance to make your approach a bit stronger while dealing with United Legal. As they are asking to pay on a certain debt, ask them to submit the complete information of the said account. The debt validation process is your legal weapon as per the fdcpa law which will help you in identifying the real debt collector from a fake one.

If they are unable to respond to your request, you have the rights to take actions against them if they have hit your credit report negatively.

Do let me know your take on this.

Regards
Roxette

I have recently run into a lot of financial problems. So I ended up defaulting on an online loan I submitted. I tried contacting the company (Xtra Cash) but I had no contact numbers, I couldn't find there website, I even called Check Systems (as I signed up to have the money taken out of my account) to see if they had any contact information and they didn't. Anyway, United Legal called me today at my job. When I got the message, I called back with the intent on working something out, but she told me the only way I can make arrangements is by giving credit or debit information now to secure the payment. Of course, I don't have that, so she got very irrate with me and told me if I don't make arrangements by monday they will be forced to take legal action. What do I do?

I have been reading through the posts on this thread and it seems that everyone is interested in delaying payments vs. taking care of legitimate bills that they owe. Is this the case? Are the people here looking for ways to delay paying monies that they received and spent on 'whatever'. So the law has delay loopholes. Whats the point? If a collection agency calls chances are you KNOW what it is about and don't need a letter to delay the process. You need to do your best to pay? I know I am not the only person who feels this way.

Why YOU DON'T PAY, then I PAY. Also, the rest of the community PAYS. Why? Because the cost incurred by your debt is passed along to other consumers and we ALL PAY. So do me and my family a favor and pay your bills. PLEASE! I will do the same favor for you in return.

John Doe, this thread is in regards to an illegal internet pdl, read the threads more carefully about these types of companies. You will discover that the consumer has ALREADY paid their debt back and in EXCESS. Laws are being broken and the consumer is the victim. So don't worry those who have fallen victim to these illegal ipdls HAVE paid there debt. And their are no legal loopholes delaying the payment of the debt. The debt has been paid several times over and the law is only there to help the consumer fight illegal companies.

John Doe, first of all a lot us here intended to pay the loans off in full. however, circumstances happened (medical bills, car repairs, divorces etc). As for you paying for this, I don't remember anything in our laws saying that YOU had to pay for those who defaulted on payday loans. Some of us make mistakes but we are all trying to find ways to correct the mishaps. If you have nothing positive to contribute to the board, don't post here.

I think what he is trying to say is that interest rates increase based on consumer default. So if more consumers begin defaulting (I believe this to be true; I read articles about it all the time) then companies are forced to increase their interest rates in order to still turn a profit or even stay in business, in some cases. This is even true of PDL's. I remember in 2000-01 when you could get a PDL from any online company for $10 per $100. After 5 years of defaulting consumers, now it seems like now they are more like $30 per $100. That may be the primary reason why.

But they can not charge more than the state allows by law. The lawmakers would have to change the law in order for these pdls to change/increase the interest rate, and they still need to be licensed to loan in the states they are doing business.

Steelers

I hear what you are saying. I also see where he is coming from too. I know because I see it happen with my credit cards and I can understand how it can be extremely frustrating to companies who extend credit and they feel like raising rates is their only defense. Since there is no case law currently on the payday loan licensing issue, I will not go there.

John Doe, I think the consumers on here have paid enough!!!!! These loan companies are illegal in many states because of the interest they charge. I paid my bills Mr. Doe and was ripped off thosands of dollars in interest. These companies are charging up to 900 percent interest. No wonder they are illegal. I speak for the majority of people on here we do pay our bills only way to much!!!!! KYSIDE38

John Doe doesn't understand how frustrated we are nor how we all were shafted by these companies. He doesn't understand what we have gone through in dealing with these companies, hearing the harassing phone calls, the insulting letters and of course, the dreaded emails. Not to mention people robbing you of your income each payday. If he knew what it was like not to have any money in your wallet to buy gas because you had to shell out money for finance charges FINANCE FREAKIN CHARGES on loans that they knew we would never be able to pay back, maybe, just maybe he would understand what we have been going through for months and years.

I swear, you have one person that comes on these threads giving their opinions how we are bad people because we didn't pay back what we have owed. Well, you know what John, we have paid that and then some. We have paid hundreds and thousands of dollars to these companies. While they have been reaping the benefits, we are robbing Peter to pay Paul, Mary, Sue and Jane. We only borrow $100 and end up paying these people $1000. It is about time that someone stands up to these people.

Like I wrote on my blog, it felt good today to buy a pair of shoes and decent shoes at that. That may not mean alot to people like Joe, but it means a hell of alot to me. I have paid finance charge after finance charge and never got anywhere. I reached my peak when I couldn't afford to put gas in the car. And then we have people like Joe come on here. This really irritates me.

I just noticed something interesting. Someone posted an address of United Legal. Someone else posted something about a company called Ellis & Crosby. Ellis & Crosby is now harassing people under the name of Bass and Associates. (Someone said Ellis & Crosby was closed down by the Florida AG.) The address of United Legal is in the same area of Jacksonville (address-wise) as Bass and Associates.

This company called my ex-motherin law whom has been my ex for 18 years and told her they were trying to contact my sister due to a family emergency to get in touch with me. Is this misrepresentation or what? Not to mention totally humiliating on my part. I had a loan with tendollarpayday which they deducted more than enouch money from my account to cover the loan and said I stilled owed them, I disputed the loan and had not heard from them in months, was unable to get a valid phone number, all you would get at that point was an answering machine with a no reply message. These people need to be stopped.

I had a loan with Cash Advance Network/MTE for $200 on which I have already paid $350. They have turned the acct over to United Legal Corporation who told me by phone that I owe an additional $224. I have received nothing in writing. I live in TN and believe I have already paid a lot more than the maximum under the TN usury laws. Must I pay this additional $224????

I received a phone call from ARM management who phone number is 877-726-8505. thanks to this site, i found out that they are actually united legal corp whom i informed not to contact me at my place of employment and to correspond with me strictly through mail. they have not only gone against my wishes but also changed their name to contact me anyway. then he states be woman and their going to process me for bank fraud and that they sent a letter on March 5th. Yea maybe as ULC but not as the company he is calling to be. what can i do about this?

They are not going to process you for bank fraud...they are just trying to scare you