Who is LRA

From what I could find...LRA is Lighthouse Recovery Associates is associated with MTE. Did you have a loan with MTE or one of the companies associated with it?

And...if it is an MTE company they are completely illegal. They are not licensed in any state to do business. The whole part about turning you over to their legal department is a threat to get you to pay.

No I have never had a loan with MTE, I have no clue as to who they are either...

Did you have a loan with any other pay day loan company?

I checked the BBB web site and this company is accredidited through them....

here is what was on the BBB

Heidi, Since you received communication from them and you can not recognize this debt, I would send them a request for debt validation to find out what and who exactly they are "collecting" for. After you complete the letter, you can fax it to them but be sure to send it certified return receipt as well. Here is a link to a debt validation letter that is posted on this site.

http://www.debtconsolidationcare.com/settlement/about34520.html

And here are some FAQ's about debt validation. The information in this is really great and should help you with the process.

http://www.debtconsolidationcare.com/validation.html

MTE,MNE have a slew of d/b/a's.chances are you have a loan with them and don't even know it.which company did you have a pdl with if you had one?

I had a couple PDL with United Cash Loans, Sagamore, 500 Fast Cash, Rapid Cash Management, could one of these companies be using them, please let me know.

Heidi, it is possible since they seem to collect for pay day loans. Did you default on any of them? What state are you in? At this point since you are not sure, I would most certainly read the link I posted above and send them a request for debt validation.

Just because they collect for MTE, doesn't mean they are associated with MTE. They are just a collection agency, they are not part of MTE.

I am dealing with LRA right now, here is another thread that I started with them.

http://www.debtconsolidationcare.com/collection-agencies/lighthouserecoveryassociates.html

They called me in regards to MTE and they were very rude. I spoke with Bob Barry as well. They are the ones who sent my account to the 1st integral recovery place down in texas. So it seems like LRA bought the account from MTE and they sent it down to Texas to be collected. But when I was speaking to Bob he kept referring to MTE as his client.

I'm filing a complaint against them though and the people in Texas, because neither one of them validated the debt and they are not licensed to collect in my state of Illinos. I'm sending a debt validation letter to LRA today.

I am in the state of PA, I paid more then I should have and it was all the fees only, the guy even called my cell phone today and his name is Bob Barry

I juse got the same exact email from the same person, however the company listed is BMG instead of LRA.

BMG huh, from the same exact guy...same address and contact info and all. Thats strange

I live in the state of Pennsylvania, so is this place legit or are they just a front for another company.

These are the people that LRA sent my account to, he referred to them as his Law Firm. He named them as being 1st Integral Recovery, but when they called me they didn't identify themselves as that.

http://www.debtconsolidationcare.com/collection-agencies/about49454.html

I actually got a call from Bob Barry because I kept calling MTE and asking why in the heck are they cashing my Payments that I'm mailing to them if they don't own my account anymore.

They've sent a number of e-mails to me. When I ask them to justify who they are by sending me a hard copy via mail. They shrink away.

What kind of legit "collection company" refuses to send something in the mail? The kind "company" that fears Mail Fraud.

Ask them to send you a certified letter via their alleged Legal Department.

I have been receiving nasty voicemail msgs for a Brian Kalkorst and he has threatened to turn this over to the legal department if I don't pay them $200 by the end of the month. I sent them $25 in August for a pdl through MTE. They are very rude and unprofessional when contacting people. I even explained to him that I had just got out of the hospital and needed a little more time and he said if you don't pay, we will take legal action.

They are a bunch of A-Holes. The legal department they claim to use is down in texas and they are just as rude as can be. They pose themselves a lawers and they only answer the phone Legal Dept. The last time I talked to them I told them I was meeting with my Lawyer later in the day and I haven't heard from them since.

I haven't resorted to that yet. I was going to send an email to the principal of the company to explain that I am willing to pay but can't afford the $200 by the end of the month. I'm not even sure if they are registered in the state of NY

Well I finally recieved the nasty phone call from LRA saying they are forwarding my account to the legal department because I couldn't pay them the $200 they wanted and offered the send them $100 instead. They said that is not good and will be contacting their legal department. I don't know if I should tell that I am contacting my lawyer? What does any think I should do?

I told them I was meeting with my lawyer and I haven't heard from them in over a week. When I spoke to the guy from LRA he told me they didn't have an email address on file with me. Check this out..when I got a response through the BBB.ORG from their so called legal dept. they stated that they sent me a notice in the mail and via email. Now I'm wondering how they could of sent me something via email when the guys sat there on the phone and said they didn't have an email address on file for me...they are so full of it.
Also the guy from their legal department kept coughing and stuttering like he was nervous and reading from a script. He tried to tell me he was eating...How professional is that.

Here is a link to a response I got through the bbb.org.

http://www.debtconsolidationcare.com/collection-agencies/about52241.html

I myself am dealing with LRA. I paid off a loan and yet when I kept getting charged finance fees, I simply closed my account and opened a new one. My bank was more than understanding of these vultures like the people at LRA. I just sent them another email to tell them to stop harassing me at work. I laughed and hung up on them when they threatened to call the "local District Attorney." If you really want to get help in clearing up any credit problems, go through a well known debt consolidation and tell these people at LRA to kiss you where the sun doesn't shine.

Pinegirl, check the statutes for NY. You'll fine that these types of loans are illegal in NY.

I kind of don't get all this. Did you guys take out these loans or not? Because if you did, and this company LRA or 1st integral or whatever are collection agencies isn't that what happens when you owe a bill? Is this a scam? None of you signed up for PDL and yet you're being harassed by collections or legal people? Or did you sign up for PDL, get the money and then default? Because if you didn't get the loans and now are being harassed, isn't that something that needs to be brought to the attention of your District Attorneys? And if you did take out the loans and spent the money, don't you have to pay it back or expect this kind of thing?
Confused.....help.....

listen up consumer.we always advocate if you borrow pay it back,but these pdl's want you to pay forever.let me ask you this.you buy a used car.within a week the car drops the engine.the dealer isn't licensed to do business.yet he keeps calling and threatening you with legal action because you stop payment on the car.these places are not licensed to lend therefore people should only pay back what they borrowed.nothing more.furthermore,they should be able to send payment.never heard any legit business that absolutely required payment by debit from someone's account.hope i cleared up your confusion.

I just had a run in with these guys! What winners they are.. lol

Anyways, here is some current contact information I received about them.

Lighthouse Recovery Associates, LLC
6880 S Yosemite Ct Ste 100
Centennial, CO 80112-1440
[email]smccune@lighthousera.com[/email]
Fax: 303-512-6100
303-800-1660

I rcvd my call from a gentleman named "MACK" and when I told him I was not to receive calls at work, he said "well I know that's where most people spend there day so that's why I called this number rather than your home number." I said, " I don't have a home phone and he then said, "oh so that's your cell phone?" I said yes and asked if he tried calling that number and he said, "Well, uh, no"!! Lame
The loan was for $300. (they say I now owe $570.84) I never even signed a contract with them. I am sending them a Debt Validation (DV) letter today. They might have a problem verifying since nothing was ever signed. After I completed my first loan with them, they called me like 2 months later over the phone asking if I'd like to get another one. They said they would send me the paperwork, but nothing was ever rcvd but the money showed up in my account the next day.
I've actually already sent Summit Group a letter requesting a refund, since they are illegal to do business with me in Utah. I'm still surprised that Lighthouse Recovery even called me.
I'm interested to see what DV letter will do....

LRA was formerly BMG but they got bought out therefore the name LRA came into play. They are legit. I paid my loan off in about 3 mths and they worked with me and it was cleared off my credit instantly.

I have been receiving phone calls from Gordon. He has threntend to contact my HR department in regards to a payday loan I got and had to close my account because of. What can I do?

They are full of crap, tell them they will get no money unless you see the debt validated. They tried that crap with me and I told them like it was and haven't heard from them since. They were trying to collect on a PDL, but I was already sending payments to the PDL place. They called me liars and said I wasn't making payments and a bunch of bull. But I was able to get copies of the cashed checks and told them I was going to my lawyers office right now and that was the last time they called me.
They are going to try and throw out a bunch of legal terms to scare you, but everything they do is illegal.

These companies sell your debt to who ever they can make money from. the original collection agency probably sold it for pennies on the dollar, the next company bought it from them and so on. If they realize they cant collection off of you sometimes they just sell the debt to some other collection agency and be done with it. People please know your rights, these people are all slim bags, they will say and do anything to collect from you. The will use big words to scare you like " final judgement" c"case number" Lawyer" Pending litigation" and so on. It is Illegal for them to state they have a court case against you if you have not been served and chances are they will never take it to court because with payday loans they do not have the proper paperwork to prove their case so they rely on you being stupid to get their money. Learn your states statute of limitations too, it will help greatly. If you are harassed by any of them file with the BBB, the states atorney generals office and send them a certified cease and desist letter and above all if you do talk to them before you agree to anything get everything they have in writing first, demand to see the signatures on the paperwork. They know their hands are tied as soon as you ask those questions, most of the time they will refuse to do that because they cant prove it, they will just try and scare you. Fear and unknowning will be your worst enemy when dealing with people of this low of a class. Do your research before you agree to pay anything!!!

Just received a message for me to call LRA if I was " " They gave a person's name. If I wasn't that person, I should hang up and not listen to the message. How professional! Needless to say, I won't be returning their call.

:confused::pI keep getting calls from them about a guy who lived here but died over 20 years ago.

i just got off the phone with these guys too. the guy was really rude and he claimed that he called my old job well i asked if anyone called and they said no. im working with a debt management company to help with all of my debt and they claimed that they didnt work with them and that they were sending my information into the lawyers today (at 9pm at night mind u) to collect. i just gave all of their information to my dmp company they said they would take care of it and give them nothing. my loan was for 300 and i didnt even take t out. the payday company let my fiancee take the money out for me and i refused to pay obviously. i dont really get how it can be legit if they can call you for the first time and say youre going to be sued if you cant come up with the money that day. anyways had to vent a bit

I am not sure who this company is but they are very rude unprofessional. I recieved a call from this company yesturday at my place of employment the male kept calling after I ask to not too. He was passing threats and stating that I was going to get my wages garnished I advised him to check his facts NC is a non garnish state. He went back and forth with me wanted tgo speak to my HR dept and my manager I asked him for what. He stated that he will get it paid by any means necessary if he has tog call every day all day. He started that he has nonething else to do other than to harress me I was his primary project. I asked for his name and manager to report him the rep stated that he was not given me a damn thing. I was truly appauled at the treatment and how this call was handled. If you could please look into this if you find any info to contact this compnat and their head quarters please foward all responds to this email. I thank you for your time on this matter I am seekinf legal repsentation i suggest that you do the same. I will not allow any one else to suffer the harressment that I have behind this company. I know my rights I have been in the colllection field over 15 years and this is a violation. I will not tolerate but any means...:evil::evil::evil: