anyone ever dealt with legal mediation practice in fl

My girlfriend who is dealing with these cats now (me really) is going to author a letter and email to every congressman and send to them I will assume this cost as to get these clowns shut down. I may even send it to each states Attorney general!!!

You should file complaints with the Attorney General for your state and theirs as well as with the Federal Trade Commission.

JCEMT hit the nail on the head!

File complaints with everyone he has listed. It is the only way we are going to get these idiots shut down!

Also, soontobedebtfree, I would call LMP back and ask them for the copy of the power-of-attorney that allows them to make decisions on your behalf. See how they respond to that.

Also, soontobedebtfree, I wouldn't be too worried. The first time LMP called me, I think they injected that phrase into the phone message they left for me, along with other misleading and illegal verbiage. That was when I requested validation and for them to cease and desist contact with me by phone, only by mail. A month later, in violation of the C&D, they called back and left a message again stating they had come to a decision on my behalf and wished me luck. This was done twice.

So, I made a decision on their behalf and hired an attorney to sue them for violating the fdcpa. I had also kept copies of the phone messages along with a copy of my letter, and proof of reciept (fax confirmation).

They settled out of court.

So I wouldn't be too intimidated by any decisions they may have reached on your behalf.

I would love to be able to take these clowns to court.

Have a recorder to record their conversations now Thanks radio shack. I have even gotten myself into the habit of stating this call may be recorded when I answer my phone as has my girl. All my friends think I am crazy but I gotta protect myself!!!

Do you not live in a one party state?

Yeah, I'd wonder too if I were a friend of yours and you kept giving the recording disclaimer whenever I called you.

But if you do live in a one party state, you don't have to let the caller know you're recording them. Only one of the participants of the phone conversation (you) has to be aware and agree to having the phone conversation recorded. Unlike a two-party state like I live in (Floirda) that requires both parties be aware and agree.

Which kind of defeats the purpose. If the @$$-clown knows he's being recorded he's not going to resort to the shenanigans that required you to have to record the call in the first place. Defeats the purpose.

I do not know If i live in a one party state but judging from JCEMT's question I think that I am but I will check for myself and if so stop the pre-emptive recording convo bit

I can check it for you, what state do you live in?

I am in Virginia!
glad I ran across this, remended me to check

If you have a quicker resource JCEMT versus google i would appreciate it

Okay

One party state is what I live in woohooo what fun

So that means: you do NOT need their consent to record phone conversations. You need only the consent of one party involved in the conversation. That may be you. :D

The name of the person who called me was David Jones. He threatened me and said he will press charges. If making a payment, where does it get sent to the Jacksonville address?

There are no charges to press, except filing your own civil complaint for them violating the fdcpa...

This company has called and said they would put my husband in jail for willful intent to defraud a payday loan company and he had until 2 pm to come up with the money. He said he would have 2 arrest warrants. We never got any correspondences from this company and quite frankly we forgot about the loans until today.
My husband and I are panicked because we are worried he would get put in jail and lose his job. I do know that debt collectors cannot put you in jail for a debt, however, they never identified themselves as a debt collector.

My husband tried to reason with them and work with a payment schedule and they said no, there way or no way and he will be in jail.

I am going to send a DV letter tomorrow but I am scared to give out my address.

This company won't put him in jail for a payday loan will they? (allied cash advance and express check?)

One more thought:

I have read hundreds of complaints about LMP and how come they are still in business? These complaints are starting from 2 years ago?

No they cannot put you in jail, debt of this nature is a civil matter, not criminal. As to the reason why they are still in business, I'm kinda doubting that the consumers that have been victimized by this company are reporting it through the proper channels. While a FTC complaint is advisable they generally do not act unless they notice a pattern of conduct. The best thing to do is file a complaint with your state Attorney General's office.

MrsOMO, I am as mystified as you as to why and how these people are still in business. I find it incomprehensible that no authorities (IE the FTC or Florida's Attorney General) have not already been made aware of the shenanigans perpetrated by this company on a daily basis.

Please send them a debt validation letter and partial cease and desist letter, certified mail return receipt requested. Almost as important, file complaints with the FTC, your State's Attorney General's office, and possibly even the Florida Attorney General's Office (as they are operating out of Florida.)

And please, please, please, don't let these people scare you with their lies and illegal tactics. That's all they are: Lies and Illegal Tactics!

I tried calling them on behalf of my husband to get them to admit to me that they are debt collectors.........this extremely rude guy would not answer a simply yes or no, and simply said they are collecting on behalf of the creditor (payday loan).
I then said may I have you address to send a DV letter and he scooted around it but finanlyy gave it to me.......thenhe said to me, "Do I need to spell out our company name?" as if I was dumb. Then I mentioned that it is illegal to use these abusive tactics and he hung on me.

I am writing the attorney general's office and will send out the DV letter today.

He said, before hanging out, we will go ahead and process this and put your husband in jail.

I know at the very worst, they can garnish wages however because the debt is owed but that is a civil matter, not criminal.

Unless wage assignment is part of the contract with the PDL then they will need a court order to obtain wage garnishment, assuming your state even allows it.

If wage assignment is even part of the contract, it can be revoked with a simple letter from you husband stating he does revoke it. You could include that with your debt validation Letter and Cease and Desist letter.

There is an example of one in this thread, about halfway down the page: http://forums.debtcc.com/paydayloan/assignment-letter.html

Be sure to keep copies of all the correspondence to LMP along with the green proof-of-delivery card you get back from the USPS. You will need this if LMP never validates your debt and keeps on attempting to collect on it and you decide to sue them.

Also, I'm curious as to what address he did give you? Since the gentleman (I use the term loosely) at LMP was reluctant to give it to you, I would be afraid he gave you the address of the McDonald's down the road.

The address I have is:

Legal Mediation Practice
1919 Blanding Blvd., Suite 10
Jacksonville, FL 32210

Ron, it's in Jacksonville, could it be a DBA of Bass? My memory is a little sketchy on this one.

Jax is full of collection creeps. They seem to flock there like the vultures do down here in the winter.

What state are you in MrsOMO?

Hey JCEMT, yes I know Il-legal Mediation Practice is in Jax. So am I. I've ridden by their office countless times as it is on one of the main roads here. Unfortunately, there is actually a McDonald's down the road from their offices, so him giving out that address might not be as far fetched as it seems.

I posted the address I had so MrsOMO could compare it with the one she was given. This is the addy I used when I filed suit against LMP for fdcpa violations, so it is correct.

I'm not sure if they are a DBA of Bass and Assoc., though. Considering their illegal tactics, I would not be surprised.

And unfortunately, FrogPatch's observation that Jax seems to be ground zero for some of the most crooked CA's is absolutely correct. I think there was a link to an article in a Jacksonville newspaper addressing that fact, posted once here in the forums. I think it has to be because call centers are such a big industry here. Several banks, insurance companies, etc. all have call centers here.

I am in North Carolina..........
I called and he did give me the right address. I do not know who I spoke with him but the guy that threatened my husband was Daryl Green.
I sent the DV letter last week and they did sign for it already. I had it tracked and am waiting for the green card in the mail (just in case they try to say they didn't get it).
When I asked the guy for the address, he says, "I will go ahead and process it now if your husband isn't going to follow thru with the arrangements for the 28."
He is scared out of his mind but I assured him that we took the right steps with the DV letter. Besides I want proof that they are a CA..........they gave me the run around when I flat out asked them.

Oh, good. I had not read this post before I read your other post MrsOmo.

Now that they have received your DV letter they must suspend all collection activity until the validate the debt.

Tell your husband not to worry, he is not going to be arrested.

Hello All
Im New...

I used to work for Legal Mediation Practice in 2007..theyre located in jacksonville, Fl.. they use numerous scare tactics but they are nothing more than a collection agency..They collect only outstanding checks to payday loan companies... If you refuse to pay when they call you, it is marked as a refusal to pay but it will recycle in their system a couple months later and youll receive another call later down the road.. i personally have called the same debtors over and over again(sometimes months apart)even though they have already told me before that they refuse to pay..its a endless cycle of phone calls..Richard Steele is the owner of the company and Bill Roth is the general manager..they are very good at what they do but thats mainly due to the scare tactics they use..dont let them scare you!!

Thanks for coming forward X, I don't have the stomach to do that type of work as I don't have the heart to treat people the way some of the PDL CA's do.

I would like to know concerning payday loans. The forum was talking about a company with the telephone this was in 2006 forum. 1800-201-0565 it is call Legal Mediation Practice. Will you please give me that address, I receive the same call, need to know something about the company

Welcome to the forum Cooper, the address that Ron posted earlier is:
Legal Mediation Practice
1919 Blanding Blvd., Suite 10
Jacksonville, FL 32210

What did they say to you during the course of the call?

Since I've been in the job market for several months now, I've always wondered why I've never seen an ad for employment at LMP.

Well, wonder no more.

.jaxjobs.com/jobseekers/JobInfo.asp?job_id=16096 (Just add a WWW in front of .jaxjobs)

I thought about calling them, just to goof on them, and find out more about the "BIG PAY - BIG BENEFITS"; however, I'm sure it's a load of BS to try and suck poor unsuspecting applicants in. I'd never consider working for a CA, though. I just don't have it in me to do that kind of work. I worked in a call center before, and could never do that kind of work again. Regardless if it's a collection job or not.

Not nocking anyone that does work at a CA, though, so please don't think I am.

You oughtta call'em, Ron! See if you can ferret out anything shady or embarrassing about them...

Tell'em your biker friends say you're a certified hard-ass, and not to be messed around with.

Ya know Ron, you could apply and bring em down from the inside.

LOL! Hard-Ass!

I wouldn't go that far UncleWulf. I would say I have become a lot less patient with idiots than I was a little over a year ago.

To tell the truth, JCEMT, I think they're doing a great job of bringing their own selves down from the inside.

I posted in another thread about a conversation I had with a woman at the Florda AG's office a couple of weeks ago. They are already aware of LMP's chicanery and asked me to tell people to file complaints regarding LMP with their office. Whether they are a resident of Florida or not.

Just go to (www).myfloridalegal.com. Click on the link in the upper right hand corner labeled "Contact Bill McCullom." It's pretty self explanatory from there.

Besides, I already sued these creeps. I doubt they're going to hire me after that. Of course, they're probably not the most intelligent people in the world; It would be a stitch if they did hire me!

:lol: be sure to include your lawsuit in your resume :lol:

I have just got a call from them today, threatening the same thing and I am making payments of fifty dollars a month to cash net USA on my acct and he still threatened to send law enforcements out tomorrow.
he of course wouldn't talk to me directly because the account is in my husband name

Welcome to the forum csmom2g, you cannot be charged with any crime in relation to a debt (even a pay day loan) and you cannot be sent to jail/prison. Debts are civil matters, not criminal. I would suggest that you send them a debt validation letter (you can find a good template via my signature) as well as a request to no longer contact you by phone (which is also included in my DV letter) send it certified mail, return receipt requested.

What state do you live in? I would like to see if you can record calls without the other party's consent. If you can I would suggest calling them back to see if you can get them on recording threatening your husband with arrest/imprisonment. That would give you perfect grounds to hit them with a lawsuit for $1,000 for violation of the Fair Debt Collection Practices Act.

yea I got a call from them today, don't worry, they are just bunch of dumb idiots who use tactics to scare you. I told the dude to F___K OFF and I will be waiting outside for the law. LOL .. dumb idiots.

Yeah, they are full of crap when it comes to threats of imprisonment and arrest. The best way to give them the finger in return is to file suit for violation of the fdcpa, seek maximum damages possible.

hello everyone,
I just got off the phone with "Legal Mediation Practice' in Jacksonville - 1-800-201-0565---- Mine is from Pay Day Loan Yes. They threatened me the same thing as you guys,,, but the bad part about mine is this is not the only company I owe for this. I got myself in so deep with this and I cant get out. I am so scared and tired of being harrassed. I dont even want to go outside of my job for lunch because I dont want to be emmarrassed by them taking me to jail. I didnt act scared on the phone but I am. Anyone, please help- there has to be a way other than jail or paying the entire thing right now...But they said they dont accept partial payments... I am screwed and very scared... and SO tired of debt and harrassment calls at my job. :(

Welcome the the forum Queen.
First of all they cannot have you arrested, imprisoned, or charged with any sort of crime. Doing so they have violated the Fair Debt Collection Practices Act. Automatically you could sue them for $1,000 in just statutory damages for this alone.

To get the calls at work to stop just let them know that you cannot receive these types of calls at work. Better yet send a request in writing to them to not call you at all. It is best sent certified mail, return receipt requested.

If you have any further questions please feel free to ask.

In many states, writing a check for more than $500.00 that ends up bouncing is a felony. While a collection agency can't press charges against you (it is 100% against the law), the company that actually loaned you the money can, and they should.

JCEMT-
see my previous post. In Florida, if you write a check (even to a PayDay Lender) for more than $150.00, it's a felony. Again, the Collection Agency -in this forum Legal Mediation Practice-can't press charges, but the person / company you wrote the check to can and should. Florida Statute, Section 832.05 (4)....832.10, section 5 further clarifies that even if the debt is placed with a collection agency, this does not prevent THE STATE ATTORNEY from prosecuting the person who wrote the bad check to begin with.

Florida Law (chapter 832.10 (5)) stipulates that even if a debt for a bad check is placed with a collection agency, it shall not affect the authority of the state attorney to prosecute any person for any violation of s.832.04, 832.041, 832.05, or 832.06...
832.05 stipulates that if you write a bad check for more than $150.00, it's a felony...less than $150.00 it's a misdemeanor. Either way-if you've written a bad check, you've committed a crime, and yes, you can be prosecuted and thrown in jail.

OK, so where are these bad checks in question then?

Does this same law apply to cash advance companies that "require" you to have their payments automatically deducted from your bank account? Even after you have already called the company in question, advising them you have no money in your account and not to try and deduct their payment, but they do anyway? Overdrawing your account to the tune of a couple hundred dollars, due to multiple NSF fees because the didn't try just once, they tried again and again? This is an ACH, not a check. So if it's so quick and easy to prosecute these alleged bad check writers, then why don't they just go ahead and do it? Probably because there is absolutely no check in question, and they have nothing to back up their claim of the debtor knowingly passing bad checks? It just sounds much more intimidating to falsely and illegally accuse someone of knowingly passing a bad check, hoping it will intimidate them into paying.

Besides Il-legal Mediation Mal-Practice is soon going to get it's behind spanked by the Florida Attorney General's office for just such illegal collection practices. So they probably don't want to draw any more attention than necessary to their chicanery as they are the ones willfully breaking the law.

Legal Mediation Practices
1919 Blanding Blvd Ste 8
Jacksonville, FL 32210-3254
(904) 387-3187

THESE PEOPLE OF LEGAL MEDIATION PRACTICES NEED TO REALLY BE PUT IN THEIR PLACE. IT REALLY IS ASHAME WHEN YOU SEE HARD WORKING PEOPLE BEING HARRASSED BY IDIOTS LIKE THIS. MAYBE IF EVERYTHING LIKE TAXES OR GAS OR EVEN FOOD WAS'NT SKY ROCKETING UP A WHOLE LOT MORE PEOPLE WOULD HAVE EXTRA MONEY IN THEIR POCKET SO THAT THEY WOULDNT HALF TO BORROW MONEY. LORD HELP US ALL WHO KNOWS WHAT THE WORLD WILL BE LIKE IN 5 YEARS.

:evil: LMP contacted my wife yesterday stating that she had until 12pm local time to pay the debt or be arrested. If you ever get threatend by this or any company contact your states attourney general and file a complaint. If enough of us do this this company will have to clean up there tatics or be shut down. The name of the guy that called my wife was "John Lomax" if this is his real name or not when i called him back he said he was going to file harrassment charges against me.