United Legal called me again saying I owe to Rio Resources

Rio could be the new name of the original creditor this debt in question is owed to. If it's a payday loan, these loan shark places buy each other out all the time. If you still don't acknowledge the debt, dispute it.

I think they are also known as Xpress Cash.

I haven't used cash express either. If they send me the info after the validation letter I may recognize the company but I dont Rio or Cash Xpress. I do know one thing for sure when I get rid of my pay day loans I will never take out another one.

They also go by the name Xtra Cash.

I haven't used xtra cash either. Does anyone know of any other names they may go by or why they have so many different names in the first place? That sounds fishy to me.

They claim that they have sent validation, so they must retain some proof! Ask for the CMRRR number. I don't think they have ever sent any letter to you, these are all lame excuses.

What is a CMRRR number? I don't think they have ever sent me a letter either.

CMRRR number is the only evidence here. If they had sent you letter, they should have documented the serial number. If they cannot provide it, their claim becomes baseless. So catch them at this.

Does anyone have an address for United Legal? I just got a call from them at work and the woman started shouting at me over the phone. She wouldn't listen to me and then hung up on me. I want to send them a cease and deist letter. I also called the original creditor and told them I am filing a complaint against them with my consumer protection office because they turned me over to collection after they receive payment through my debt consolidation company.

I don't have an address but I have a fax number. PM me if you want that. The lady I talked to was okay not nice but she didn't yell. They also didn't call me at work. What jerks!

Thanks again Sue. I appreciate it. This just really irks my chain but I'll going to fax them the cease and desist this afternoon.

Their Address is

United Legal Corporation
9000 Regency Square Blvd. Suite 1
Jacksonville, FL 32211

I Had the same thing happen to me. Lady called me repeatedly at work and yells. I have sent a validation letter but they haven't responded and they say they have sent me a letter prior and I never received it. I've never even heard of the company they say I owe money to.

They refused my cease and desist letter I sent certified and as soon as I found out, I faxed it to them.

I am going to fax it to them on Monday. I didn't have a chance on Friday. She wanted a specific time when I could call her back and I said within two hours. She said that wasn't good enough and that's when she started shouting at me. I scared the crap out of the original creditor when I called them too. I called my counselor at T & C and they were going to call the original creditor to help get things straightened out.

Mishele,

Your consolidator is sending money to them right? Then why are they calling you? What could be the reason for these calls?

Please update us on how they respond to your counselor.

Rio also goes by no-faxing-paydayloan.com and a variety of other websites..

Stan,

I have no idea why the original creditor placed with the CA in the first place when they received payment from T & C on my behalf. Maybe they want more money or want to know if I am serious about the program. They have known about my situation since the end of the December. It was the CA who called me at work on Friday. T & C is going to call the original creditor to reinforce the debt consolidation program. I faxed a cease and desist letter to United Legal today. I also let them know I will only deal with my original creditor.

Mishele,

You are doing the right thing. No worry, things will be in your favor very soon.

Do you know if the consolidator settled the principal debt at a lower amount or not? Chances are OC has sold the remaining debt to this CA. Hope your consolidator will be able to fix this up. Keep us updated on this.

I forgot to call T * C today but I will do tomorrow for an update. I am curious myself. I was just happy to find the time to fax the letter in. I get really frustrated when I run into brick walls like this when I am trying to pay my debt off. I sent the original creditor an e-mail this morning but they never got back to me. Maybe I scared them? LOL!

Well, T & C called the original creditor and straightened things out but I found out this creditor is also not licensed in my state. Here goes another nasty gram out LOL!!! This company has really overcharged me as well. T & C faxed me my account status with them and it's absurd. I'll keep you updated.

So if the payday loan company is not licensed in your state how can they collect if you havent paid. How do you go about that.

rpatrickus,

Consumers should confirm the licensure of the creditor before dealing with them. Now once one has taken the money, I think it should be returned back somehow. If they lender is not licensed to lend money in your state and they are harassing you while collecting, you can tell them that you are aware of the licensing issues. So it will be better if they can stoop harassing and accept your payment plan.

Once the account is paid, stay away from these lenders.

These people are nuts that work there. I was hung up on too, twice. The next time she called I put her on speaker phone and recorded the conversation. I didn't owe this money either. It had been paid months ago. I think her name was Ms. George or something.

So how do you find out if they are liscensed in your state?

Contact the Department of Finance in your state.

Well, they haven't contacted me since last Friday. I guess that's a good sign that the cease and desist letter worked because she said she was going to call me every three days. HA!

LOL! I guess those cease and desist letters work sometimes after all! :)

~Mary

Well United Legal sent me a letter in the mail today with a copy of my contract with the original payday loan company. I told them I would work with the original creditor but I think I scared them LOL! Here goes round two. :?

Mishele,

Things have started getting good shape. These are the result of your hard work. I'm sure you will be able to overcome all the hurdles. Best of luck once again :D

I just tried calling 800-992-9482 and I only have the option of entering my ssn. Then all it does is tell me my next payment is processing. I am trying to find out how much more these people intend on taking. I am already at $520 on a $300 loan. Any other numbers?????

Ches, try this

United Legal Corporation
9000 Regency Square Blvd., Suite 1
Jacksonville, FL 32211
Phone: (877) 726-8505
Fax: (904)-493-4654

Read this link for more information.

http://forums.debtcc.com/forums/unitedlegalcorp.html