Legal Recovery Law Offices - Do they serve you properly?

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Need help... lrlo says they are going to sue me for capital one.. I can't afford a lawyer.. they have called me numeruous times at work under the phone number of Coldwell banking... i've tolds them its inconvient and to call my cell number and tey haven't is this a brach of the Fair debt act? I need help to know what to do.. I can barley afford rent and to feed my kids. I'm on WIC, MEdi cal, you name it.. just trying to survive.. I've tried to work out a payment plan with them and they said I can send the money but there's not agreement.. does anybody have any advice?

What state are you in??? Do you know the last payment made on that account? If they are not a lawyer in your state, they can't sue you but they can get an attorney in your state to sue.

Did you get anything in writing from them? After the first letter from them, and it says it on that letter, you have 30 days to dispute the debt...you must do it in writing and send it certified mail return receipt requested...do not sign the debt validation letter...I will put one here for you, format it to your needs.

You are right, it does violate the FDCPA if you tell a debt collector your employer does not allow calls at work and they continue to do so...15 USC 1692c(3) You can tell them this over the phone or in writing it doesn't matter.

Here is the DV letter I was talking about, remember to format it to your needs and do not sign it, print or type your name:

Your Name
123 Your Street Address
Your City, ST 01234

ABC Collections
123 NotOnYourLife Ave
Chicago, IL

Date:
Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on September 30, 20027. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent

Best Regards,
Your Name

Thanks poker... I sent one but I am not sure if it is too late... They have sent me a summons to appear in court.. how do I respond to the summons? And I have proof of their violation of the FAir Debt Collection Act... How do I show this? man this sucks.. ANy help would be great from anyone! Thanks!

Ok the debt validation letter is too late. What you need to do is answer the summons and state your affirmative defenses. Then you serve them with a motion for discovery and get all of your validating documentation there. If they can prove the debt, then you show the judge all your financial information and they will set up a payment arrangement you can afford. Just whatever you do, DON'T IGNORE IT!

My nephew received a court summons from Legal Recovery in San Diego suing him for an old Capitol One balance of approx. $3,000. He thought he had paid off the balance but had done it online and didn't have proof that it was paid. He does shift work and makes $10/hour. We did a lot of research and everything suggested that you must answer the summons. We asked if he started making payments if they would drop the lawsuit. The answer was no. We responded and offered a cash settlement of $2,500 on the advice of an attorney. We contacted a few legal aid lawyers to ask if they would represent him. They all said it's too small an amount to bother with. Legal Recovery was firm that the full amount and only the full amount would be considered. We got a notice in the mail that he should fly down to San Diego for a "settlement conference". It was a room with the defendant, a mediator, and an attorney from LR Offices. They told my nephew it would cost him more to take it to court. When asked if they would tell us what was actually being collected (payments due vs. interest and fees), the attorney said you have to do your own discovery. Finally, my nephew just gave up and offered the full amount. Don't know how he will make these payments because he has only the clothes on his back. Not sure what to advise other people. These people are pit bulls and I wonder what we should have done differently? Seems like the deck was always stacked against this guy.

Their is a website called ezzani.com. It's about a guy who actually beat them in court. His judgment is on his website, ezzani.com. He isn't a lawyer either. I thinking forking up $15 bucks to see how he beat their lawsuit is worth it. I am.

I have a feeling that I'm about to beat them too! Can anyone comment or offer any helpful advice? I was scheduled to have a Mandatory Settlement Conference a few weeks ago, and they never showed up! I waited 20 mins past the scheduled start time with the assigned "mediator" and he drafted the minutes stating that I (the Defendant) was present, prepared, and willing to meet while the Plaintiff was absent. Now I am scheduled for an OSC (Order to Show Cause Hearing on Friday! Do I just say I would like to file a motion to dismiss? Any help would be appreciated. I almost feel like filing my affirmative defense (which was prepared by a lawyer friend of mine) scared them off!

JS

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LRLO is a collection agency for companies such as Midland Funding LLC that files for judgements with the court for the original amount of the debt you accumulated plus arbitrary interest and legal fees. Their filing provides an address for correspondence that is not yours. Since notifications never reach you, you cannot respond. After the required time, they request a default judgement and immediately take any assets they are aware of. You become aware only after the money is gone. I think that this is FRAUD. It is conducted on a massive scale. Midland Funding LLC alone has raised over $900 million to purchase 22 million written off accounts with a face value of over $32 billion ($.03 per dollar). They use LRLO as a collection agency and condone the their questionable methods trying to collect full face value of the debts to maximize the returns to themselves, LRLO and their investors.

You need help from your State Attorney General and a good lawyer that you probably can't afford because they have acquired your assets. I wish you good luck in your difficult situation. Most people can't fight this effectively alone. These companies are devestating those of us that are hurting the most.

Buy how i beat capital one and legal recovery law offices by ali abdullah ezzani. he beat them both. i bought the book. i should win, if i use the information in it correctly, i'll dismiss it, and file a fdcpa against them like him. i don't know where the guy learned all these stratesgies, he likes give s out the dirt on banks and collection agenices

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I beat LRLO twice for two different accounts, but I had a lawyer for them both. The first was a case where I had sent a debt validation letter requesting the identity of the original creditor, and they did not provide it which is against the FDCPA. When a lawsuit was filed with still no mention of the original creditor, I contacted an attorney who filed a counter suit. We just settled for an impressive amount (More than 3x what they were suing me for, but almost all will go to attorney fees) and a promise that I will NEVER be contacted about this debt again. Yay!

The second one I thought I could handle myself since I had read all I could about my rights as a consumer and visited sites like this one that told me they would never be able to produce enough evidence in court to win. Big surprise, reality is not as simplistic as answering the summons then going to court and stating your case. There is a tricky Discovery phase that has "Requests for Admission", "Interrogatories", and "Requests for Production" that are all designed to legally compel you to make their case for them. It was at this point I made a phone call to an amazing attorney, William Rose in Santa Monica. He took over and, in about a month, got them to drop the lawsuit. It saved us thousands.

I was lucky in my encounters with LRLO. In my opinion, their inability to get a summons to someone who has lived at the same address for over 10 years was our first glimpse at their questionable legal ethics. My brief interaction with their insensitive and unprofessional office staff, the second. I have never visited a law office with so much security. The outer lobby was cut off entirely from the inner office except for a small 1ftx2ft sliding glass window and even that was frosted to obstruct your view inside. In addition, I think their documents are nothing more than legal boilerplates meant to intimidate and confuse you into believing they are in the right. I don't even think that the attorneys in charge ever read what is going out. It all seemed to be massed produced and electronically signed. I think it is all quite shameful really.

I recently discovered that "legal Recovery" went into my account and took out over 9000 dollars. I am 19 years old and it was my student account that had my mothers name attached to it. That money was my school money that my father had just deposited into my account and literally the second the hold was removed, so was the money. We have spoken to our bank and they did not take the money and the only information we are able to gather is a number that leads no where and "legal recovery set off" written next to the withdrawl. After internet research i have come to the conclusion that it is LRLO (am i correct in assuming this?) and i am so disgusted by this. I feel like my mother and i are in the Bastille. The fact that they took my school money away from me knowing that it was a student account that my mothers name was only linked to really just makes me sick. Legally my mother is just as liable as i am so they figured it would be fine to take it no matter what because, according to their website, they use intense debt collection methods to make sure their clients get their money. We were never notified of anything, i literally had no idea anything was wrong until i tried to use the atm and it told me i had insufficient funds. The money is not my mothers, it was given to me by my dad for my school and, in my eyes, they stole it. We have no idea where to proceed from here, the bank even has no name concerning who and how the money was taken. It is so devastating, we have 2 family members who are attorneys who will be looking into this.

Just make sure NO MATTER WHAT they tell you on the phone that you show up. I had been sued from Capital One as well and talked to the attorny's office before my court date and settled with a payment plan. Today my husband went to Wal-Mart and our debit card was denied. I called the bank and the lady told me that they got served with papers to wipe my checking account out!!!! $1800.00 and I can't touch ANY of it!!! You would think that somebody would be at the law office to talk to....NOPE. Left a message and haven't heard a word. How can they DO THIS TO PEOPLE!!!! I had been making my payments and even have a receipt for them. I didn't get ANY notice that they were unsatisfied with anything since
I spoke with them before my court date. Apparently, since they got a judgment against me, they can do whatever they want whenever they want. SHOW UP!!!!

Bastille, bank account garnishment requires a judgment first, then a garnishment order/writ of execution issued to the bank. If they bank does not have that, the bank should be held liable for the theft. Banking laws require you make a dispute within a certain amount of time. Garnishments usually give you notice and a certain amount of time to respond to the court to fight it. So my guess is there was no legal garnishment/writ of execution done.

joe smith -
will the bank let you know if they are trying to do this garnishment? I recently got a lettrer and I am going to do what poker said.

we will get the money you took and never paid, and im glad some of you actually took the time to write back, to be honest i think all of you are so funny asking all this questions of how to get out of the hole u all are in, just pay your bill and you will be good, you guys have a great day

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I work for thi shit whole lrlo and alli can tell you is that they are the worst cant stand them

Sorry ment to say shit hole

WWW.ABC7NEWS.COM (OAKLAND-SAN FRANCISCO)

http://abclocal.go.com/kgo/channel?section=news/7_on_your_side&id=7109212

MICHAEL FINNEY: 7 ON YOUR SIDE

AIRED ON TV: TUESDAY, JULY 12TH, 2011 BETWEEN 6:00P-6:30P

QUESTION ABOUT COLLECTION AGENCIES: http://abclocal.go.com/kgo/story?section=news/7_on_your_side&id=8246839

QUESTION FROM "SHERRI J.": DO COLLECTION AGENCIES HAVE TO REVEAL THE NATURE OF BILL THEY ARE TRYING TO COLLECT?

ANSWER:
(1) AFTER 1ST CONTACT BY TELEPHONE, COLLECTION AGENCIES MUST WRITE TO YOU.

(2) THE LETTER MUST INCLUDE THE FOLLOWING: (A) NAME OF CREDITOR (B) HOW MUCH IS OWED (C) WHAT TO DO IF THE BILL IS NOT YOURS.

POSTING DATE/TIME/LOCATION: WEDNESDAY, 13 JULY, 2011 @1:47 AM - MOUNTAIN VIEW, CA 94041

RE: this company in So Cal...they are shady to say the least. I have hired a lawyer to challenge their practices. Forced into default on payment plan, served incorrectly. Reporting to the BAR and considering a Class action Suit...Interested?

Us irresponsible people that cannot pay their bills because they got laid off still need to survive. I recieved a wage garnishment for a new job I havent had that long and they want to take 1/3 of my paycheck and when I called to ask if it is possible to take a lesser amount because I cannot survive off of that he said "No we cannot negotiate the percentage that is taken out of your check". What am I supposed to do? We cannot all work for the theives that are taking our money. I am sure you get paid good too.

[LEFT]What do you owe money on? Who is the creditor? Are you even in a state where they can garnish your wages?
[/LEFT]

If you were served incorrectly (old address, no service, etc.) and would be interested in discussing your situation with an attorney for possible corrective action, please contact me to discuss. We are interested in hearing more about LRLO's practices.

(tsk, tsk, tsk)

Phone number removed per Terms of Service. ~ OG

I wasn't served, i found out accidently when a subpeona went to my neighbors address, and the default judgment was the year before. The server, was registered since 2011. He said that i was personally served at my house! Gave the opposite description of whom he served. Couldn't get the judge to vacate the hearing, just because i didn't match the description, he is a 'registered process server', i said i understand but he's lying, i didn't make the hearing because i wasn't served, etc... Almost $9000, a time barred debt-sol was past, the card had even expired in 2010-then i look at my credit reports! I suggest you do that too...also keep your eye on the court proceedings for mark walsh-kinda real interesting the way he runs his business!

something with LRLO seems unusually illegal like racketeering/skip tracing/ etc..getting information about people through TRW's seems a little like a violation of our privacy rights, and then putting it on the report like they are the original creditor, which couldn't be further than the truth and lending from were it came!
the way it appears to me is the courts are making enough money they don't care if their lying, as long as their all licensed, and paying court fee's, they win! If the debtor shows up in court (by chance they hear of a hearing, not because they were served.) LRLO just doesn't show, case dismissed-on to the next! If only 2% show up-it's all revenue. Now, if yer on the other end,it's a little late to vacate the judgment, motion vacated, courts are paid, attnys paid, & i've been sued for almost $9000! card expired in 2010, i found out about the hearing when they subpeoned bank records from me, & sent it to the wrong address, hoping I'd never received it...I really believe the summons server has never left his desk, and the description of the people he served is a 50-50 chance of getting it right, I found that he has only been registered since 2011..he served me in 2010 supposedly... the fact that he gave a complete wrong description of me as being personally served, i really gotta wonder if the courts aren't working with these guys, it musta taken me a a month of trying to file papers with the courts to vacate the judgment, only to be blantantly shot down by the judge...i kept wondering, why would a judge let them get away with kind of injustice to people, hundreds of people, pages of hearings and collections, I can see that the almighty dollar has swayed our courts, there are literally pages and pages of hearings set in a few courts in southern calif. 5-25 pages of hearings and peoples whom are probably not gonna be served by this process server!:twisted:

I rec'd an advertisement letter from a non profit financial service company regarding their services, as I have a case pending for collection in court. I was surprised, as I have never been served or any summon notification by mail. Thus, I have passed the 30 day limit to respond to the court. I plan to show up in court. I will contact by mail the company used for collection and document all calls. I am interested in participating in a class-action suit against said company. I have an obligation to pay my debts, yet unforeseen circumstances arose to pay at this time.

If you are on a public assistance, receive Supplemental Security Income, Social Security Retirement/Disability, your funds cannot be garnished on an unsecured debt. They may go after your bank account where your money gets direct deposited. Not sure about direct deposit on debit cards. Call your company, if you have this type of set up. This excludes EBT cards for those on public assistance.

if SSDI income is direct deposited,or not if the sole income in said bank account is SSDI it can't be touched either.so don't know where you got that from.