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Powell Law Offices ???

Date: Thu, 03/03/2011 - 09:48

Submitted by anonymous
on Thu, 03/03/2011 - 09:48

Posts: 202330 Credits: [Donate]

Total Replies: 21


I received a call today from Mike Nelson from Powell Law Office.

He states that I owe over $900 from two payday loans (PDL Ventures, orginal amount of $300 and National PayDay Loan, original amount $390).

Then his associate Carl Nierode came on the phone. They demand that I pay the balances on these two accounts, over $900 and that I pay it today. I ask that a letter be sent to me with the information on the accounts, such as the amounts, original creditors, original balances, and when the loans were obtained.

Honestly, I had quite a few online payday loans out at one point. He said that I had already paid three of the accounts in their office in 2009/2010, but that they went by the name Lighthouse Recovery Associates.

Am I, by law, required to pay the full $900 balance? Or am I responsible for the original loan amounts?

Also, he said that he would send me verification of these debts by email but would not send me a letter because there was no guarrentee that I would receive it and that I was using this request for verification as a "stall tactic". If I owe something, I would be happy to take care of the debt, but not until appropriate documentation is received.

He stated that I was stalling, had no intention of paying these loans and that he would inform his attorney, Annette Powell, that I refused to pay what I owe.

*** Does anyone know anything about this "company" or know what I can do to help my situation? :confused:

I told him that I was neither admitting to the debt, nor denying the debt until I had proper documentation.

Thanks for your help.


Also a guy by the name of Michael Wheeler just contacted me from 303-800-1660, said his direct number is 1-866-520-1240. Said he was a senior associate with Powell Law. They emailed me a scanned letter with todays date but refuse to mail me anything via the USPS... said that email was the same thing as regular mail and that they would not be sending me a letter. Is this really the same thing? How hard is it to send a letter?!? They said I was what the call, and I quote, "you are what we call a staller.... you request things to buy time because you have no intention of paying the debt that you owe."

He told me that either myself or my attorney had to call him by 5pm tonight, told me to have a good day, and then hung up.

My total balance for both of the pdl's is $950, when the original loan amounts were both $300. I want to contact the original lenders to find out if I really do owe these. I've paid collection agencies before when I've already paid the originally lender, then wound up paying the same debt twice. I'm just trying to be extra careful.

Are they really going to sue me for $950?


lrhall41

Submitted by on Thu, 03/03/2011 - 10:00

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while anybody can sue.this place is a typical bottomfeeder that uses scare tactics.btw email is not the same as regular mail as certain things like summons must be send via regular mail.i would file a police report for the threat.then use any numbers you have and fila AG AND FTC complaints against this powell law office.then do not talk to them further.a waste of your time.


lrhall41

Submitted by paulmergel on Thu, 03/03/2011 - 10:05

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I will do that, thanks. Any other suggestions from anyone? I won't be answering any of their phone calls and will send a cease and desist letter to make them stop calling me. If I send a C&D letter, is that basically saying that I refuse to pay the debt? I read that somewhere else, that by sending a C&D letter that you're basically stating that you refuse to the pay the debt and that gives them the right to pursue legal action against you.

This is one of those collection agencies that changes their name every couple of months or goes by many different names.

I didn't think email was the same as regular mail, so thank you!!


lrhall41

Submitted by on Thu, 03/03/2011 - 13:25

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send a DV(debt validation)letter.send it certified mail return receipt.that is more effective as they can't continue to collect on this until they validate.a C&D should only be used if you know you don't owe,but a DV is a good way to make sure you are paying a legit place and not a bottomfeeder.btw accusing you of stalling and demanding immediate payment is a sign of a bottomfeeder.


lrhall41

Submitted by paulmergel on Thu, 03/03/2011 - 14:04

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I sent a C&D letter to a different agencey because they were calling me on my cell and at home over 15 times a day... I am paying them every month but don't have a payment plan with them. Now I'm worried that by sending them the C&D letter it looks like I am refusing to pay... I didn't realize a C&D letter meant that I am not validating the debt, I thought it was so that collectors couldn't call you repeatedly. whoops. :(


lrhall41

Submitted by on Thu, 03/03/2011 - 19:43

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if you have nothing in writing from this different agency and no receipt for the payments.stop paying them.cancel whatever method you are using.btw again if there is no paper trail hard to make a case for refusing to pay a bottomfeeder.as to your last sentence never pay a voice over the phone.either send a DV letter,or if they won't give an address demand something in writing and state you will not speak to them until you receive it.alot of bottomfeeders lie about that so ignore them when they call.a legit collector will have no trouble sending details and validating by mail.anybody else is a bottomfeeder that won't do anything they threaten.in fact without at least the plan in writing you could say this place stole from you,so stop those payments.cancel whatever method you are using.btw who is this different agency?


lrhall41

Submitted by paulmergel on Fri, 03/04/2011 - 05:30

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cavalry is a bottomfeeder.if you have nothing in writing from them then stop whatever method you are paying them.sorry,but without at least one thing in writing from them they are just taking your money and you don't even know what it's going toward.why?because with bottomfeeders they could have gotten the info on the debt from anywhere and have as much right to collect on it as i do.stop that asap,and cancel the method of payment now.do a search for cavalry in the bar top right.there should be an address for them.again from now on don't just pay some threatening voice over the phone.get at least a letter of collection from said place then get anything else in writing.lastly and most important.do not give them bank info,or cc number.if the place is legit they will take other payment methods besides that.


lrhall41

Submitted by paulmergel on Fri, 03/04/2011 - 06:58

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CNM1002- You should contact a consumer advocacy attorney in your area to explore Fair 1. You can find a reliable attorney via www.nacba.org You said that you received an emailed letter from them. Would you mind sharing a copy of the letter? I'm trying to find a valid mailing address for this "Powell Law Office' who seems to be calling from a cell number in Kentucky. They've used several aliases and made several threats. If you could provide a mailing address to me that would be really helpful! Thanks so much and good luck to you.


lrhall41

Submitted by on Sun, 03/06/2011 - 06:02

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sorry but if the OP tries to post the letter it will have to be approved forst besides the reason bottomfeeders send their illegal threats via email is because they don't have to disclose an address.whereas by snail mail they have to out an address on the envelope at least.emails contain nothing as far as addresses.as far as the attorney goes both PDL ventures and NATIONAL are considered not located in THE US and i'm guessing the powell law office is an entity made up by these two as they are affiliated.an attorney will be able to do nothing.


lrhall41

Submitted by paulmergel on Sun, 03/06/2011 - 06:15

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Demand that unless they send you documents USPS that no payments will ever be issued. And file not threaten a report with the BBB, FTC and the Attorney General's Office.


lrhall41

Submitted by on Mon, 03/07/2011 - 15:56

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I just received a call from Powell Law Office regarding a PDL my husband had. We have gotten several calls from that number before and they would hang up when I answered. Also, they had started call my husband's work and cell. I find it interesting that the number on caller ID is a local number, but they are located in Denver.

The person I dealt with was actually professional and was not rude at all which was a change from some of the other agencies I've received calls from. When I told her that we had not received a any written documentation from her company, she said it had been mailed, but couldn't give me a date. I found this address and will be sending my DV letter tomorrow. I am getting tired of having to do this, but thanks to this site, I know how to handle it now and don't get stressed out.

Powell Law Office, P.C.
P.O. Box 2393
Englewood, CO 80150
Phone: 720-457-0023
Toll Free: 1-877-335-4256
Fax: 1-866-447-1392


lrhall41

Submitted by on Thu, 03/10/2011 - 15:01

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I just received an e-mail from Powell Law Offices, saying I owe Loan Point Usa money. I have never had a payday loan or heard of these people. I emailed back saying I do not owe and I forwarded the e-mail to my lawyer and I let them know this. What should I do? THX


lrhall41

Submitted by on Fri, 03/18/2011 - 15:29

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My husband just got off the phone with these people and let them know we would be contacting an attorney to file a countersuit against them after their man, Carl N. launched a verbal attack at my husband by phone. This is a violation of the Fair Debt Collections Act and legally they can be sued in return for this. Also, if you request something in writing to validate your debt, they are legally responsible to send it to you within 10 days of the request. Record all phone calls with them. Tell them you are recording the phone calls for your attorney's office. My attorney TOLD us to do this. This company is very shady. Telling my husband go get a job and we are going to sue you for $500. Refused to tell us their name on the phone. They cannot misrepresent themselves or tell you they are going to do things they do not intend to do. It is against the Federal Debt Collection Laws. DOCUMENT EVERYTHING and find yourself a good Debt Attorney. Most will sue them without charging you. They go after the company they are suing for their fees. Good luck!


lrhall41

Submitted by on Mon, 06/13/2011 - 17:07

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Ok so here is what i don't get. Paul calls all collectors and agencies bottom feeders. While i understand and sypathize with what some of you say a collector is not a bottom feeder they are a person asking you to live up to your obligation. I agree they should not be rude , unprofessional or intimidating. But as a borrower you should live up to your obligation and meet the terms of your contract. If it's a payday loan the question shouldn't be are they legal. The question should be did you borrow the money? Paul like's to attack people who don't agree with his post 's and i can't wait to see the response to this but i say know your right's regarding collection's (FDCPA) and your state laws and hold collectors accountable for their actions but also remember your obligation's. If you enter into an agreement you have to live up to your end of it. And Powell Law Group pc if left no alternative will sue. Always try to work something out to repay an obligation ( you know if you owe) it's the right thing to do. Have a nice weekend


lrhall41

Submitted by on Sat, 06/18/2011 - 10:30

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just another shill for a bottomfeeder.what you call a different opinion i call shills lying and talking down to people.a few points to burst your bubble.

1)powell law office is a bottomfeeder that breaks the law with their calls.
2)yes if the loan was illegal then the person only owes the principle and the contract is worthless.
3)just about everyone they contact has overpaid these illegal loans,so the fact you bought up about borrowing is as ridiculous as the loans themselves.
4)only a humanoid shill would bring up the living up to your obligations,or the PAY YOUR BILLS line.
5)the next time powell does anything but break the law with threats will be the first time.

so there you have it another shill post debunked,now get back to the phones drone.


lrhall41

Submitted by paulmergel on Mon, 06/20/2011 - 05:43

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See Paul. Calling people a shill. Did I degrade you verbally? No. Did I say anything mis-leading? No. You continually argue that people shouldn't live up to their word? Hey Paul, can i borrow 300.00 bucks? I promise i will pay you back within a time frame you agree to..Really I will. But if i don't will will you give me some advice on how to not pay you back? Let me ask you this hypothetical question. I actually work in Mortgage servicing in forclosure prevention. I recently spoke to a Motgagee who has been delinquent on his mortgage for 4 years. It is a 1.2 million dollar home with a sizable payment but he has rented it out for more than they owe monthly the whole time yet hasn't remitted a single payment the whole 4 years. He continually asks for help but refuses to send in the documents required to be considered for any federally backed program that he want's to be considerd for due to the fact he doesn't want to disclose his income versus liabilities. So he has profited several hundred thousand dollar from rental income without repaying the debt owed on the house. The Lender has decided to go to a forclosure sale in 2 weeks and take the property back and he is upset. What would you advice would you give him? Has the lender been unfair? Are they shills and bottom feeders? Should he contact his Attorney General? What have they done wrong to him? And please try to be civil in your reply it shows that even if you disagree you don't need to call people names or make biased acuzations about a person to get you side across that just reduces your credibility. Once again have a nice evening.


lrhall41

Submitted by on Wed, 06/22/2011 - 20:31

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do not bring up a legal example to enforce your flimsy argument.i know some people who have rental properties and none are close to 1.2 million in value.second the renter signs a contract that is notarized making it legal.now again shill. a lender that has no license to lend,or this bottomfeeder you apparently work for has no real law,or collection license that threatens arrest,or lawsuit when they have no capacity to do so is illegal.big difference,and yes one's state AG should be informed of such threats.so again back to the phones drone.your examples are horrible and are only posted to try and muddy the real issue.that powell is a scummy bottomfeeding wormslime and since you work for them.that makes you the same.btw i never wish shills anything but misery,and bad fortune as good fortune to you and everyone like you is temporary.laters.


lrhall41

Submitted by paulmergel on Thu, 06/23/2011 - 05:31

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Paul..you as an expert did not even come close to answering the question.If you do or do not know anyone who owns a million plus property was not the question. The property i was talking about is in Miami Florida where property values were high but have now declined due to the market. You assume and attack that i am a "phone drone" but you don't know a thing about me. I simply asked if you are making an income from a leased property( and no the lease is not publicly known as it is not filed with any agency because it is a private contract) while being in default on your mortgage is ok. And to call into question legal licensing for mortgage loans that have to be notarized and filed with title companies ( calls into question your own credibility) is rediculous. I just ask you to answer the question is the liable party for the mortgage in the right to profit from income derived on a defaulted mortgage? Has the mortgage company who wrote the loan and provided the capital to gain the asset in question done anything wrong in this senario or has the obligitor abused the contract for personal gain? And last but not least do you have the ability to reply without being abusive , demeaning , or rude? Because if you don't it just means that you can only bully your position and try to make it right.

topic locked.you are a drone for an unlicensed in evert way law breaking collector.you postabove mine stated specifically the example of 1.2million dollar homes,foreclosures,and people who rent those properties.it is ludicrous to allow this to continue.the reason you come o with nothing but hogwash is because you have nothing else.i've seen drones like you come and go.4yrs and 12,000 plus posts speaks for itself.again topic locked.that is how i handle posters like you.buh-bye.


lrhall41

Submitted by on Sat, 06/25/2011 - 22:15

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