Legal Recovery Law Offices - Do they serve you properly?

You will need to request validation during the Discovery phase of litigation.

Whatever you do, be sure to respond to the complaint and go to court on the appointed date! If not, they CA will get a default judgment against you, which will be a real pain.

It depends on the court rules where they filed suit. You can either be served 1 of 2 ways: (a) via mail (usually certified) or (b) personally upon any member of your household over the age of (usually) 14.

Hopefully, you responded to their filings. According to my personal research, most of their wins are by default.
I was not properly served either. I was contacted at work by Legal recovery Law offices os. They refused to provide me with any information regarding the debt. They only demanded that I made a payment to them over the phone. They did not provide an address to contact them. Within a week or so, papers were literally dropped on the doorstep because my daughter though it was someone selling stuff.
The server also screwed up the date of service and said he served the day prior to the papers being filed with the court. and they continued to call me at work after they were requested not to. They violated fdcpa, does this mean that I should file a cross-complaint and counter sue prior to trial?
Any help will be appreciated and I will definately reply back after trial, as I want other consumers to be aware of LRLO's and Capital One's bad business practices.

I'm going through the exact same thing with Cap1 but with Love, Beal & Nixon. Never got one letter from them, my friend found my name on the court website. I'm waiting to be served as well. My last contact with anything regarding Cap 1 was united recovery systems back in June, then I sent them a DV letter...now 4 months later...lawsuit.

So, I guess that would make LB&N a 3rd or 4th party collector? All the suits they've won in Tulsa, have been on default. you can bet, I'm researching all my rights, proper civil proceedures...etc...just in case I have to appear before the judge several times on this...not getting a default on me...no thanks.

You would think Capitol One would try to settle with there customers. I had a arrangement with the collection agency and when I called to pay, it had gone to Legal Recovery Law Offices and a Mark Walsh attorney. I was told I would be sued and have my wages garnished! Word to the wise stay away from CAPITOL ONE!

I am being sued by them also it doesnt matter if you go to court i showed up and they basically told me LR and mark walsh wins i dont hav money for attorney so im notsending right papers etc. they send lots of court documents that make no sense now i ahve to call mark and try to work something out but that didnt work last time so im at a loss too

Piss off, shill. - Uncle Wulf

they cant garnish my wages though cause i dont work...

Legal recovery law offices are trying to serve me showing up at a former residence and would not give them the documents. i have checked online and sure enough mark walsh is the lawyer looking him up i found about it could be from capitol one so thats the way there trying to serve me but the court date is a very long ways away and yes my balance i may owe is not even over 1000 dollars so taking me to court makes no sense.

I have a default judgement with Cap One (Mark Walsh) I Just found this out on Orange County's Court website. I was never informed of any court date nor was I served. I would like to go before a judge and get this default judgement off my record. Does anyone have any suggestions?

January 2007 ,this began among other letters from collectors. I got a call from Legal recovery law offices for Arrow Financial, an old debt from Care Credit. I agreed on the phone to begin small payments. I defaulted and was sued Feb. 2007. I called LRLO and made other payments again. They entered repeated defaults, almost sanctioning, and delayed my court answers. With a written agreement Judgment was entered December 2007. I appeared 2 - 3 times since a request to put aside failed. A final stipulation was processed January 2008. This morning , 2009 we have been working out an arrangement with out further drastic action due to consistent payment. My balance is now $800.00, to be paid off by summer 2010. The original
debt was around $1400.00
Answer immediately as soon as you receive the documents.
In Los Angeles, The Legal Grind is an excellent advisor.
Hence, since May 2007 continued agreement of payment to M. Walsh this finally was solved by their phone call this morning. Jugments are their way of compelling to pay and the debt has not been sold off for almost 3 years. Luckily
I had an amount, employment, on a budget I could afford. Know and understand your rights to the statute of limitations, if you give in under pressure to pay, you are locked in.

I have a judgement against me from Legal recovery law offiices. For those that also have a judgement, keep checking your county records regularly. LRLO will wait months after the judgement and then submit a writ to wipe out your bank account. They tried that on me and lucky for me, my rent payment had already posted and my account was empty (they got nothing). I just noticed they are trying to go after my other personal accounts... If you can, keep cash on hand and not in the bank.

I was served a summons by Legal recovery law offices and given 30 days to respond. An attorney advised me to file an Answer whether I owed the money or not. I cannot afford an Attorney but I received a free consultation through my work program. In my Answer I stated that I did not agree with the amount of the debt, (they listed attorney fees, etc). Afterwards, I contacted their office in hopes to agree on a settlement. The woman (or I guess you could call her that), was so rude and would not allow me to speak. I thought for sure I was being "Punked". When I asked for her name, she hung up on me. I documented the phone call & then followed up by sending a Settlement Letter certified mail with return receipt. I received the receipt but they never responded. Now I have my court date & I am just curious, if I go to court (which I will), what will happen? Will the judge see my efforts to try to settle? Is there any sort of mediation to try to settle? My biggest mistake was signing up with a Debt solution company called Bella Financial who was suppose to be settling with my creditors. Whatever you do, stay clear of Bella Financial. They are a scam!!! I paid them $1200 and they did absolutely nothing! My debt is tremendously higher now than it was when I signed up with them. I don't have and never did have a problem with paying my debt. I just do not want my bank account wiped out. Also, the settlement I offered was only $250 less than my balance due. And I offerd to pay in one lump sum. Why do you think they did not respond? Is it because the more time that goes by, the more fees are accrued?
Any advise at this point is helpful.
Thanks:)

A great website about the court process:
"http://www.nedap.org/hotline/court.html"
It is for New York and may differ in your state in some aspects.

Your experience with BF is pretty standard for that industry.

HELLO THERE ARE A LOT OF US THAT GOT SCAMMED BY BELLA FINANCIAL AND WE NEED LEGAL HELP SOMEONE HAS GOT TO STOP THIS

Well, if people that were scammed would line up and sue them left and right, they wouldn't be able to turn a profit and would be forced to close.

HELLO CHRYS WE THINK YOU ARE GREAT, AND HAVE STUCK WITH US ON SO MANY PAGES, GETTING PEOPLE IS SO TOUGH TO JOIN US IN ON A CASE ANY IDEAS THANKS.

Aye, and there's the rub...

Yes it *is* tough, unfortunately. I wish I had some ideas for you. I make speeches about Freedom and Justice because I think that it is not only relevant, but inspirational. Most people aren't going to automatically connect a fighting revolutionary with a(n) (alleged) debtor, so I try and point out that one has not only the opportunity to fight for their rights, but a responsibility to others in the same situation. As I stated, if even a small percentage of people who are ripped-off sue, then these companies simply would not exist.

The FDCPA grants you up to $1000 plus possible court costs and attorney fees, plus any damages you may have suffered as a result of the collector - but even with that kind of enticement, people still very rarely sue.

And in a Class Action it gets even better. According to the FDCPA, you can request up to 1% of their net worth or $500,000, whichever is less, BUT STILL people don't line up!

And *that* is why these companies continue to do these things. This is a bit of a sore subject for me because I hate it when people take advantage of or exploit others who are less situated in life than they (it's like an unwritten caste system, I tell you). What is the purpose of government if not to protect the small, the weak, the poor, etc.? Is it just to exploit and plunder? With all the talk about "free markets" people forget that *greed* causes reasonable people to become very *un*reasonable, and if left free, would plunder and pillage until 10% of the population had hoarded 71% of the wealth!

Why do people have to have their lives interrupted because of some half-educated greedy cretin at a collection agency browbeats them in order to extract unjust funds? And then, to add insult to injury, when the debtor tries to do the responsible thing, the very people they hired to help also exploit them? It's like - in the parable of the Good Samaritan - walking by and rifling through his pockets to see if he has any more change left! It is a *far* more egregious crime, not to mention, just plain EVIL!

But making the already bloated government even bigger to strictly regulate, etc., will only lead to a worse situation. Look how badly they are botching the so-called "drug war" and Social Security, etc. etc. ad nauseum.

Look, all throughout HISTORY, the Haves have exploited the Have-Nots at every opportunity. In the United States, the FDCPA grants the Have-Nots a way to protect themselves by getting PAID for the attempted exploitation! And *still* people hardly sue.

I do think a lot of it has to do with the poor state of education these days. People *still* think you can be arrested for debt, even though that has been outlawed for well over a century and a half. People *still* think you need money for an attorney. And what of studying the Founding Fathers such as Thomas Paine? In my high school (well I did go to a College Preparatory private school), we had to study why America formed, why it is such a revolutionary idea, and why it requires us to keep an eye on it lest it overstep its bounds (as it has done). Is this taught nowhere else? Have we all forgotten what America really means? Have the exploiters succeeded by dividing us and keeping us bickering back and forth about details whilst the Empire rebuilds right under our noses?

By the way, I am not blaming the people so much as I am blaming the educational system, which is little more than a glorified babysitter & propaganda machine, which puts people at a strong competitive disadvantage in the modern world. Knowledge *IS* power! But ultimately, it *does* go right back on the people, because this is a government OF the people, BY the People, and FOR the People. Still. But as it slips away from our Hands, will we cry and wave bye-bye? For some it is given to Fight on foreign soil. For some it is given to Advocate for the poor, the indigent, the elderly. For some it is given to sue for FDCPA violations. Be not deceived, they are all Freedom Fighters (it is a difference of degree, not of kind) that ensure that we pass on to our children's children, a Nation where Freedom is real and where Justice is real and Truth holds the highest esteem.

THANK YOU CHRYS

THESE PEOPLE HAVE BEEN DOING THIS FOR YEARS, THEY ALL WORKED FOR OTHER COMPANIES UNTIL THEY WERE CLOSED DOWN, IT IS A TOTAL SCAM CONSUMER BEWARE

Love Beal & Nixon have wiped my bank account out - the only problem is the only income in that account is my mother's social security pension -- how can they take that???

They would have no idea of the source of the deposit. You need to go to your bank and have it reversed, especially if there is no court order/judgment for it. And if there is, why did you not inform the court of the source of the monies in your account?

Something has got to be done, this is such a scam consumers have lost everything because they trusted this group of corrupt people, 56 DALLAS BBB COMPLAINTS - GOVERNMENT ACTIONS OF DESIST & REFRAIN BY THE STATE OF CALIFORNIA

They are completely unethical, sneaky and deceitful in how they go about their service. If you haven't found this out already the rules and procedures for service of process in California are found in CCP SECTION 415.10-415.95. Google California Code or California Code of Civil Procedure and the site will come up. Any complaint and service served incorrectly does not give the court jurisdiction over you as the code states. LRLO and Mark Walsh do this all the time gambling that 99% of people don't know the rules. They then run to court, file a defalut and then you have a judgment against you. By that time its probably too late and prohibitively even more expensive to hire an attorney to go out and get all that reversed. As in your case you found out by happenstance and by then so many of your options were gone. That way they can add on attorney fees, interest fees and all sorts of other goodies.

Hello does Bella Financial Inc still exist or did they file for Bankruptcy because of all of their scams

fight back, read rip off report, violation of state bar, mr. sitter is vp of a law firm and he isn't an attorney, and mr davis is the ceo of the law firm and not an attorney. dont need to be einstein to see what is wrong with that picture. sue back, write the bar, write the attorney general, department of corporations, ftc, office of comptroller of the currency, governor, tarp----most important, fight back, won't be long before these guys are in jail in my opinion....read the ripoffreport.com ads on them. just go ahead and google legal recovery law offices. it says the bar is investigating them, man, you better file that bar complaint.



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Legal Recovery Law Offices, Inc is a law firm that is headed by a "Non-Attorney" CEO

Richard Davis. The firm's head attorney and President is Mark D. Walsh[1] . The Law Firm is

allegedly currently under investigation by California State Bar for violations of practicing

??6125. Necessity of Active Membership in State Bar "No person shall practice law in

California unless the person is an active member of the State Bar. (Origin: State Bar Act,

??47. Amended by Stats. 1990, ch. 1639.)". They are also allegedly being investigated for

violation of California Bar of Rules of Professional Conduct:

Rule 1-320 Financial Arrangements With Non-Lawyers

(A) Neither a member nor a law firm shall directly or indirectly share legal fees with a

person who is not a lawyer, except that:

(1) An agreement between a member and a law firm, partner, or associate may provide for

the payment of money after the member's death to the member's estate or to one or more

specified persons over a reasonable period of time; or

(2) A member or law firm undertaking to complete unfinished legal business of a deceased

member may pay to the estate of the deceased member or other person legally entitled

thereto that proportion of the total compensation which fairly represents the services

rendered by the deceased member; or

(3) A member or law firm may include non-member employees in a compensation, profit-

sharing, or retirement plan even though the plan is based in whole or in part on a profit-

sharing arrangement, if such plan does not circumvent these rules or Business and

professions Code section 6000 et seq.; or

(4) A member may pay a prescribed registration, referral, or participation fee to a lawyer

referral service established, sponsored, and operated in accordance with the State Bar of

California's Minimum Standards for a Lawyer Referral Service in California.

(B) A member shall not compensate, give, or promise anything of value to any person or

entity for the purpose of recommending or securing employment of the member or the

member's law firm by a client, or as a reward for having made a recommendation resulting

in employment of the member or the member's law firm by a client. A member's offering of

or giving a gift or gratuity to any person or entity having made a recommendation resulting

in the employment of the member or the member's law firm shall not of itself violate this

rule, provided that the gift or gratuity was not offered or given in consideration of any

promise, agreement, or understanding that such a gift or gratuity would be forthcoming or

that referrals would be made or encouraged in the future.

(C) A member shall not compensate, give, or promise anything of value to any

representative of the press, radio, television, or other communication medium in

anticipation of or in return for publicity of the member, the law firm, or any other member

as such in a news item, but the incidental provision of food or beverage shall not of itself

violate this rule[2]. [3].

The Company is a law firm that is in the field of Collections Law. This is one of possible few

companies to ever have a law firm started by a non-attorney. Mr. Davis and Mr. Walsh also

allegedly started a non-profit called Universal Charitable Services, Inc in 2000 that was

shut down by the Franchise Tax Board in 2000. The company never allegedly filed 501 (c)3

papers. It is also alleged that the company started this company to help poor people.


[edit] References
^ http:// sos.ca.gov/business
^ http:// calbar.ca.gov/state/calbar/calbar_generic.jsp?cid=10159&id=1287#6125
^ http:// calbar.ca.gov/state/calbar/calbar_generic.jsp?sImagePath=Current_Rules.gif&sCategoryPath=/Home/Attorney%20Resources/Rules/Rules%20of%20Professional%20Conduct&sFileType=HTML&sCatHtmlPath=html/RPC_Current-Rules-1-320.html
External links

Is anyone going to go after Bella Financial Inc because if you are we all would like to take part in it they are a RIPOFF

Hello is anyone or anybody going to do anything about Bella Financial Inc because if they are we all want to be part of it they are a RIPOFF

How can Bella Financial Inc - Mountain View Financial Group - Michael Huaser stay in business and keep getting away with these scams and nobody does anything about it and nobody will stop it and help the people who were ruined by these people and their scams

How can Bella Financial Inc - Mountain View Financial Group - Michael Hauser possibly still be in business after scam after scam and ruining peoples lives and nobody helps stop it or cares very very sad

These companies are run by all of the same people they are a total scam and have been doing this for year after year and no one or anybody will do anything to stop them they will promise things that they have no intention of doing and quite honestly cannot do, the owner Michae Hauser just plays Golf and Poker everyday this is what ex employees are saying, he has a bunch of cohorts that are wrapped around his little finger they have to be stopped TOTAL SCAM & RIP OFF

hi there just want to let you guys know that u need to pay ur bills, if you borrowed that money then you must pay it!!!! other wise is called stealing and the creditors have all the right in the world to take their money back, u went apply for it used now pay it, and no matter what you do sooner or later you will end up paying them back so pay ur bills.......i work for lrlo so there ^_^ its sad to c how many of you people dont pay ur bills so irresponsible!!!

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Are you threatening people itt because you work for irlo grow up and shut up and most of all get a life

Attention ITT,

Do you always go around threatening people. People have been defrauded by Debt Settlement companies and have had all their monies stolen that were to be used to pay all of their bills. Have you gone after them. Anyways how old are you, because you certainly can''t spell.?

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What are you thinking of coming on here and threatenig people that you will get your money from everyone, you really should watch what you say and get off of this pedastal that you think you are above everyone and come back down to earth, bottom line is that you should crawl into the hole you came out of, everyone on here intended to pay their debts with the help of debt settlement companies that could get them get into a payment plan that they could afford instead some of these debt settlement conpanies just cheated them out of their money that they put in to settle their debts and ruined their lives, by the way you do not scare anyone

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Please remove this posting from itt and lrlo

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I have sent lrlo a cease and desist letter twice. They have filed suite against me for $405. Just this morning they called my employer trying to garnish my wages... Really??? How do i get them to go away?

I discovered last fall the Legal Recovery Law Office (Mark Walsh is the attorney) had obtained judgement by default against me for a Capital One account. That card had a credit limit of $500. They are now asking for $1699 as htey have added court fees, attorneys fees, interest and who know what else. Last week I got in touch with a non-profit mediation service letting them know I could offer a maximum of $400 to settle the account in full. Mark Walsh's office replied saying they were not interested in settling and wanted the full amount, saying the judgement gave them leverage. I told the
mediator that was not possible and to see if they would extend a payment plan for a lower amount. Mark Walsh's office responded by saying they would arrange a payment plan for the full amount provided I furnished my address and employment info. I told the mediator I was no longer interested in mediating with these crooks. I went to LA Superior Court this morning to obtain a copy of the filed papers. After reading them I saw that I was "served" at an address where I never lived, and I can prove I was living elsewhere at the time. Is it safe to assume I was not served in this case? I don't know the law. Furthermore, and I don't know if that has any bearing, one of the court papers filed by Mark Walsh specifically mentions that the original credit card application/contract appears to be lost. So I spoke to a very courteous attorney today to ask for advice. Unfortunately he charges $650 to deal with the case. But he mentioned that I probably should try for a "first appearance" or "first paper" to obtain a hearing on the case to set aside the judgment, that another $205. I really want this case to be completely satisfied, dismissed, off of public records without giving the collecting attorney money, as they are essentially trying to intimidate and fleece me. What are my options. I thank you in advance for any advice, examples of letters, etc... that you could transmit to me. I want to resolve this matter.

yeah, if you were not served properly, then the default judgement can be appealed, and then you can turn around and sue them for damages.

I received a notice of judgement along with a notice of involuntary lien form my county recorders office. Is there anyway to find out what the lien is against with contacting lrlo? If I do call should I bother seeking a payment plan? Also should I consider moving bank accts?

I wouldn't move/change/close the account. That can piss off the judge, possibly leading to a contempt citation. You can certainly stop putting money into it, though, to minimize your potential losses.

I don't understand what you're asking, when you say "Is there anyway to find out what the lien is against with contacting lrlo?" If you've got a notice of lein, it should say what the lein is on. Or are you trying to find out who sued you, and why? Straighten me out here, and I'll be able to help you better.

I owed a small amount by the time they contacted me I owed $3,700 more. They wait til it builds up. Pay the heartless people or they will put liens on everything you have.Quote:

I just looked LR, Mark Walsh on wikipedia and they are being investagated. This company is taking our money for themselves not capitol one