anyone ever dealt with legal mediation practice in fl

These people were not nice at all. I got the same phone call with the jail threat if I didn't pay by 5:00 pm yesterday. I told them that I would make my payment on Friday to the lender. They told me I had to pay them. Now first off I don't know if this company is legitimate so of course I'm not going to just send you money. I don't care if they did know the last digits of my social, anybody could get that these days. So my solution is to pay the loan back to the walk in location that I received it from. I'm pretty sure they won't turn down cash money. And I'm equally sure that this Legal Mediation Practice can't get the ball rolling that fast on legal actions. Especially when your debt is only $500.00, come on now. Let's get real this people are just using this so call scare tacktics to get all upset to the point were you can't think. So I decided to get a grip and pay up. I will take the advice and send them a letter. Letting them know that I did not refuse to pay the debt,but I will not pay the debt to them. The contract is between Ace Cash Express and me, not Legal Mediation Practice. :o

read about bass and associates, posted on july 3rd in florida times union (jacksonville.com) lawsuit for them from AG. LMP is next....keep sending your thoughts, and i would not pay them a dime. tell them your recording the conversation. (just like they tell you)

bass and associates in jacksonville florida is a collection agency (or at least they were lol)

Do not beleive that someone actually got 6 months county jail for a payday loan - they are lying and tyring to make naive people think that this will happen. emberassed probably works for this sorry a#$ company.

tell them to drop dead. It is a boiler room type collection operation and they can't do a thing but scare you. They are not a law office. They make an agreement with the check companies to pay what you owe them and if they collect it they get a percentage to split with the collector. No big deal.

Please do not be afraid. These people are bogus. They do collect debts for these type of things. But they do not press charges. I took out a loan of $430.00. I have been paying them for the last 6 weeks a little at a time. I get another phone call from them stating I owe them $220.00 which is not true.I only owed them $110.00. I have been paying them already. The lady Rita (who did not know I was already paying them off)at the company said I had till 12noon or will be prosecuted even though I still ofered to make arrangements to pay. After further investigation she did not even realize I was already paying them and only owed them $110.00. They do not know what they are doing either. She was very rude and unprofessional hung up on me x2. Hope we can do something about them. Sincerely, CG

I already had my debt paid off and they tried to tell me i didn't. They took money out of my account without my permission. I went thru corporate at a payday co. I got corporate to call them to get my refund. Please everyone file a complaint against legal mediation practices. I filed one to the better business . Maybe we can get them closed down. All they are is a collection company. Everyone that works there is corrupt and nasty to anyone that has anything to say. Thanks c.

I have also gotten a couple of calls like this but then for a week it stopped then another person calle ms jackson at ext 297 and said she was in the final processing department and after her then the recomendation would go i have requested for her to send me proof in writting she faxed it to me but still said no payment plan was allowed she also stated i had til the end of the week what do i do know

EX EMPLOYEE OF LMP- Miss Allen is who has called me...left a message with my co worker to have either myself or my attorney to cantact them.

Can they really send someone to jail? We are willing to pay, but cannot afford to pay all at once.
Jan

Willing to pay, but cannot pay all right now. How do I repay a little at a time?
Jan

so i just got called from these people from 5th and today and i got pissed off because they called me during the class. the teacher almost caught me and he almost took my cell phone away from me. they said i am marcus hong and i have no freakin idea who the hell is marcus hong. and i called them they said they will fix it and i called them again about the process and i asked about what company it is but the speaker even knows where she works for. the number was like this 1-800-201-0565 and they said they are legal mediation practice and i have no freakin idea what the hell is that and they are doing. i live in seattle and i guess the company is in florida. wtf. seriously, if the reader is marcus hong u better watch out ur ass and does anyone have an idea of what legal mediation practice do???? gosh

I sent IL-Legal Mediation Practice a "cease and desist" right after I received my first phone from them, from a Mrs Andrews. She tried to make their company sound like a law firm by telling me "someone has filed a case concerning you with our firm" on the voice-mail and I had until 3 PM to call her back. I called her back and told her I knew they were a collection agency, because I looked them up online, and I didn't appreciate her trying to make LMP out to sound like a law firm. She became really hostile and nasty and wouldn't verify her address or fax number. I told her I'm looking right at it on the Internet, I just wanted her to confirm it. She kept referring to me as Mr. Man and told me if I was so smart I didn't need her to verify it. After the nasty phone call I had with her, I decided I only wanted to deal with them by USPS and faxed over a "case and desist" to their fax number and received a confirmation it had been received. Over a month goes by and I don't here anything, then I received two more calls from them, a week apart. Miss Beth Ryan even goes so far as to tell me "good luck" at the end of the call. Whatever.
I have now retained an attorney will be suing them for violation of the fdcpa; I have also never received anything in writing from the. Aren't they supposed to do that withing 5 days if the first phone call?

I worked for this company (regretfully) for just under a year. They buy this debt at pennies on the dollar and rework it through a calling system over and over agian till the can;t get a hold of you anymore. Say you have filed bankruptcy and give fake information then they will leave you alone. They don't follow up and everything they say violates the fdcpa. If you are reading this it wouldn't hurt to read the FDCPA somewhere and know your rights. Hope this helps someone.

Thank you guys for posting those helpful ideas. My wife and I are actually in vacation, First she received a phone call (they left a voice mail, but for someone else as she was my wife and asked to call immediately as they were about to reach a decision on her case (scary) and we ignored the voicemail, a couple days later we recieved the same voice mail telling her that they already reached the decision on the case, but it is still imperative that she calls the law firm back immediately.
The point is, those people are using some vary illegal ways to collect debts and even though they were trying to reach someone else other than my wife, but their tactics are so illegal and too scary to stay quiet about it. Remember, if you've got one of those phone calls don't get scared. They can't really do anything to you other than harm your credit report because it will cost them way more money than what you may owe them to seek legal actions against you. If you can't pay them you might as well let them know straight up and send them a certified letter to stop the harrassing phone calls. GOOD LUCK!

Can you believe that Legal Mediation called my boss? Yes, they called my boss. I called them out and chewed them out and told them I knew their tactics. I also told them that that I know they are trying to collect money unethically according to the fdcpa. Then he says "now you're an expert?" He gave me until 8:00 pm est to get $825 together. I asked him for an address, and he refused to give it to me.

My sister works for a collection agency and the only way they get paid their commission, is if they meet their quota and collect more money than their quota (from different debtors). If they don't meet their quota, they get fired. Oh, and by the way, they are probably only making $10 per hour before their commission, that is if they get any at all. No, they cannot put anyone in jail, and yes, let's try and get this company to go out of business!

Well I got a call today from them saying that today was the last day to put in a payment and they had threatened to go to my work and to my home but I indicated that I could at least pay them this coming Friday, but they didn't want to hear that, so what should I do?

How did you end up getting jail time in county. I got a call from them today. They stated that my checking account is closed and I wrote a check from a closed account which they said is a crime in all fifty states, BUT The checking account was open when I wrote the check but the bank closed my account some time after I gave the check to the payday advance company. Can I get into trouble for this? I did not close the account the bank did and when I wrote the check the account was open. If anyone could help I would greatly appreciate it. Thanks

I got the same call and yes I was scared as hell, but I read my state laws on payday loans and I also read what everyone else said on this forum, so I feel a little at ease, but I will try to call the payday loan place in which I got the loan to try and work something out. They claim the wrote letters and called all my references and email me, all was a lie. So good luck to all

I just got a call from them about 30 minutes ago, with the same tatics. I told them that they can not call me at work, but would give them another number to reach me. THey gave me a deadline of 5pm tonight to make a payment. I told them I didn't have the money but would make arrangements. The guy I talked to is named Derek Lee. He demanded that I have a payment made today or they will "send my file off for review". Then proceeded to tell me that based on his decision, they would send someone to my job and/or home to deal with me. I hit the roof. While telling me that it was illegal to right a bad check on a closed account. I told him that they account was opened when the loan took place, also, that there are laws against harrassing people with phone calls to thier job and if I get a phone call or a visit anywhere by them, I will report them to the BBB and file a lawsuit. All he could say was have a nice day and I hung up in his face. I'm ready to send off my letter of cease and desist along with a complaint to be filed with the Florida DA and BBB. Something has to be done with these folks.

Ex-employee of lmp:

I just got a call from this company regarding a payday loan that Allied said was returned (my bank doesn't even have a record of them depositing the check and Allied wouldn't provide me with a copy of the returned check).

The message was left by a "Tyler" (female) telling me she was from LMP and that the "firm had made a decision on our debt and that she needed to talk to me today." She left this work on my office voice mail.

I don't want to return the call because that encourages them but I do not want them calling my office. Please let me know what steps I should take. This is the first payday loan (and last) that I ever took out and we are just starting to get back on our feet after my spouse took a $200/wk pay cut, cancer bills, etc.

I hate this.

they just called me i'm in california i told the lady that i did not have the money today she told me to find a lawyer and the debt is only 266.00 but i told her that i've been having hardship and she hung up the phone

they just called me i'm in california i told the lady that i did not have the money today she told me to find a lawyer and the debt is only 266.00 but i told her that i've been having hardship and she hung up the phone

can some one tell if they can really come and pick me up at work and take me to jail or not because she threaten me with someone will be here to take me in for a 266.00 loan or bounce check

yes the lady who called me is Doris

They've been trying to reach a family member, and claiming this person listed me as a contact (They didn't). I've told them this person doesn't reside at my address and asked them to stop calling (They haven't). So, knowing such companies hate to have their contact information given out, here it is (Including the owners home addresses, phone numbers, and criminal records). Enjoy.

Legal Mediation Practices, Inc.
1919 N. Blanding Blvd.
Jacksonville, FL 32210
800-201-0565
904-387-3187
Fax: 904-854-9447

VP (Also listed as Owner): Steven Christopher Pair
DOB:1/21/67
9323 Beresford Ct
Jacksonville, FL 32244
Wife: Susan Pair
Car: 2007 BMW 750 Plate:HEA9P
Criminal Record: Disorderly Intox. 5/4/85
DUI, Poss. of Marijuana 1/28/86
Poss. Of Cannibas 5/90 Nolle Prossed
Poss. of Marijuana 8/24/89
Burglary 11/89
Driving w/Susp. License 6/90
Breach of Peace 10/95

Treasurer / Legal Staff: Duane Charles Romanello
DOB: 11/25/68
3804 Valencia Rd.
Jacksonville, FL 32205
904-381-9608
Criminal Record: DUI 3/23/85
Poss. of Marijuana 12/19/91

President: Glenn W. Campbell
3950 Moss Oak Dr.
Jacksonville, FL 32277

Registered Agent (One of several):
Corporation Service Co.
251 E. Ohio St., Ste. 500
Indianapolis, IN 46204

I truly wish more people, who have had their rights under the fdcpa violated by these idiots, would file complaints about this company to the proper authorities! Get a consumer attorney and sue them!

Just about every post I read about them demonstrates a clear disregard for the FDCPA, and a continuous pattern of vilations.

We need to get this company shut down!

Hi UnemployedRon:

I do I go about filing a complaint against them? I do I get a Consumer attorney (does that cost money)? Please help!!! They been harassing me for a few months now. But Thanks to this forum y'all have helped me so much!!!

You can file a complaint by contacting your states Attorney General as well as going to www.ftc.gov As far as hiring a consumer attorney try starting with www.naca.net As for the fees you can get one that operates on a contingency (where they take a certain amount of what you win) or you could simply include your attorney fees in the suit.

Dear all that have been contacted by Legal Media Practice.

I was reading all of these comments on the Legal Media Practice after I received a call from their office so I was prepared on how to handle them. I talked to a Mr. Davis and asked the basics. Like: Where is this coming from and how much is it? The man said that I need to pay it by 8PM tonight. I simply stated that I would be able to pay it on the 4th of Jan, 2008.

He said that he would need to secure it with a debit card or an account. I told him by no means would I do this because I had experienced fraud on my account and also my identity was stolen and it would have to be by certified check or money gram. He said no problem and gave me the information for Money Gram. Now, with this all being said: I contacted them back right away the first time and made a verbal promise that I must keep. Maybe the people become threatening if you do not return their call? This gentleman was kind and very willing to help me out. If you are contacted by this company I would do so right away.

As an example: I took a payday loan out with PayDay Loan for 350.00 and because of their fees and monthly fees added, they are now expecting 730.00 which I have no choice but to pay. It was in the contract and is a legal document that can and will be taken to court. The lesson learned here is to one not default on a loan and to never take out any payday loan because they are expensive and have a lot of fees and charges that they have legal right to obtain from you. Also, the longer you wait the more charges they will add. For each payday not paid they charge like 45-90 dollars and then they tack on late fees. Please, for your sake, contact them back and try to settle it right away.

Take care,
A Person that Cares

Trolls are in abundance today!!!!

Person That Cares,

I'm really happy you had a good experience with the crack-heads . . . er I mean professionals at Legal Mediation Practice. Good for you! In my opinion, you are the exception to the rule that is a pattern of abuse and violations of the fdcpa by LMP against debtors.

You are, however, dead wrong on these people. Illegal Mediation Practice started with violations of the FDCPA with the very first phone call to me, which happened to be a message they left on my answering machine. So no, it wasn't like I started out being nasty to them, then got it right back from LMP; they had not even talked to me and it was the first phone call I ever received from them. Then they compounded their error by being nasty to me when I called back, wouldn't give me their address when I asked for it, kept referring to me in a derogatory way by calling me "Mr. Man", then ignoring my cease and desist letter and continuing to call me.

There are many more, but you get the point.

Also, I have never read a post on this forum where someone advocates not paying their debts. A debtor is, however, entitled to being treated with dignity and respect from the CA's (including Legal Mediation Practice) while they are attempting to collect on a debt. LMP seems to think the FDCPA is more a guideline, not a law. Or worse, that it just doesn't apply to them. So until LMP starts consistently abiding by the laws, then I am glad this forum is here to help people that have been victimized by this company.

Also, don't you think paying 730.00 on a 350.00 loan is a bit much? That's more than twice what you originally borrowed.

And it's a good thing you didn't give him your debit card number. I'd be willing to bet you would have found you bank account cleaned out.

Quote:

OMG! LOL! I didn't notice that!

Thanks for the laugh Vollyballmom!

Also, maybe person that cares lives in a state that allows that kind of interest, but most states don't.

It is always best to check your state laws and check with your state DFI before paying a payday loan collector. Make sure you only pay what you legally owe.

The contract is not legally binding if the company does not have lending authority. Most internet based payday loan companies do not have any licenses, therefore they are lending illegally. No judge would hold up the contract just because it's a contract. The provisions of the contract must be within the law.

My girlfriend was contacted by these abusive and rude people. She took out a pyaday loan and thought she had paid the entire thing off when she closed her account. never heard from the original payday loan company about it. fast forward to december 2007 they actually called me trying to contact her they wanted 900 dollars by 5 pm it was 3 pm. like many we asked about to get info and were denied or told to contact the original payday loan company. we ended up making arrangements. Now I am starting to wish we hadn't wish i had found this resource before. we have one more payment left of 300 after reading here I have some serious questions about the validity of said debt. they also have my card info I may be changing the card and number very soon.

any suggestions?

What state did you reside in when the loan was taken out?

State of Virginia which we still reside

"My girlfriend was contacted by these abusive and rude people. She took out a pyaday loan and thought she had paid the entire thing off when she closed her account. never heard from the original payday loan company about it. fast forward to december 2007 they actually called me trying to contact her they wanted 900 dollars by 5 pm it was 3 pm. like many we asked about to get info and were denied or told to contact the original payday loan company. we ended up making arrangements. Now I am starting to wish we hadn't wish i had found this resource before. we have one more payment left of 300 after reading here I have some serious questions about the validity of said debt. they also have my card info I may be changing the card and number very soon.

any suggestions? "

You should ask them to break that down and show you how they came to that amount (e.g. fees, interest, etc.) as of now your looking at about 800%+ in interest rate, which violates many state regulated laws. You should seek legal council before proceeding any further with this agency.

+1 to the advice JCEMT has given you. Don't let yourself be taken advantage of.

I have learned that now thanks for the reply. would it be wise to send a debt validation letter still

Sure, your entitled to that information upon request.

yes, send them a debt validation letter. Also, I would definitely close down whatever card you used to pay them (debit/credit); maybe reporting it as lost or stolen. If you don't, I wouldn't be surprised if LMP cleans out your bank account, or maxes out the credit card, whichever you used. If they haven't already.

And yes, they do have to validate the debt, it's part of the fdcpa. They don't just tell you to contact the original creditor and leave it at that.

Now, my question is, when you wrote LMP contacted you trying to contact your girlfriend, you said they gave a deadline of 5 PM to pay it? Did they tell you, a third party, all of the information regarding the fact they are collecting on your girlfriend's PDL? If so, that's third party disclosure and a violation of the FDCPA.

Also, you advised they were abusive and rude when they contacted her. If they have violated the FDCPA by doing this or in any other ways, when dealing with your girlfriend, I would definitely seek out an attorney and sue. You definitely need to file complaints with your State's Attorney General's office, the FTC, the BBB, and Florida's Attorney General's office.

I truly wish we could make these pukes go away!

Legal mediation practice made me cry today. I just went back to work Dec 7, 2007. I am willing to pay them but they are refusing to work with me. They want $820 in two hours for an orginal debt of $325. My state (MS) does allow prosecution for bad check writers with an intent to defraud. I was not trying to defraud I made an effort to make payments but the Payday loan company always made a deposit before the date of the arrangement.

Can debt consolidation stop these types of collection practices?

Actually what you should do is get a attorney, one specialized in Fair Debt Collect Practices Act as well as truth in lending and usury law. First of all, the interest they are charging you I can say with almost one hundred percent certainty is not legal. Second, when a debt collector calls you they have to send you a dunning letter within 5 business days giving you the opportunity to exercise your right to dispute/request validation. You can use this to turn around and sue them.

What did they say about 2 hours, pay them in 2 hours or else? Did they make some type of threat?

I'd be willing to bet Legal Mediation Practice never sent the dunning letter and, what's more, would not respond to a debt validation letter. I never received the first written communication from them, and never received a response to my debt validation letter.

I am also curious to know if they made any other threats to you; I'm sure they threatened to prosecute you for check fraud and/or internet fraud. I would ask them to send you a copy of the supposed check.

JCEMT is absolutely correct, get an attorney! You can find one at www.naca.net, or check at your local legal aide office. Also, file complaints with the FTC, your state's attorney general's office, and the BBB. You might also consider contacting Florida's Attorney General's office, as they are just now noticing LMP and their shenanigans. Maybe we can finally get these jokers closed down!

Most importantly, don't let them intimidate you! These jack-asses are grossly violating the law themselves!

You've got that right Ron, I've honestly never seen a company violate fdcpa this much except for Bass.

+1 to the advice that JCEMT and Ron have posted. Seriously, get an attorney familiar with consumer law. What this CA is doing is way outta line, and you can hold them accountable for that. Based on what you've written, statutory damages alone would be enough to wipe out the debt and put some cash in your pocket. Start recording calls from these bozos as evidence. Also save any written or emailed correspondence, as the lawyer/court is gonna want to see it.



Most likely not. But a good lawyer can, and will. Another avenue you should explore is to pop over to our PayDay Loan Help forum on this site. You'll find a wealth of information there. Also, someone there will have a link to the MS laws that specifically relate to payday loans.

Good luck, and keep us posted. We're here for you if you need us.

I will pay back theloan I took out. However, I got a call, this guy left me a message saying that they have made a desicion on my behalf. I called back but it was after their business hours. I left a message saying that I was returning Bruce Black's call. I asked for them to name the creditir they were calling on behalf of and to be prepared to let me know how they got power of attny. in order to make this decision on my behalf when they called me back...I'll be ready

That sounds like veiled threat of lawsuit. Make sure you record your call with them. If you need a recording device we have one available through this website. Just post back if you have any additional questions or comments.