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Langhorne Law Office

Date: Fri, 04/21/2006 - 10:59

Submitted by joyfordream
on Fri, 04/21/2006 - 10:59

Posts: 104 Credits: [Donate]

Total Replies: 48


I just received a call from these folks. I am thinking it probably has to do with a payday loan. Has anyone heard of them? How would you suggest I handle this?:


I haven't talked to them yet. They called me at work so I'll need to do a cease and desist letter for that. I just wanted to know some background before returning their call. The call was from someone named Robert, who claimed to be a paralegal. Does any one have the address for fast cash? or any other names they go by. Virginia Legal Defense had looked at the names I could give him and said as far as he could tell none of my pdl are licensed in VA


lrhall41

Submitted by joyfordream on Fri, 04/21/2006 - 11:57

( Posts: 104 | Credits: )


joyfordream, and anyone else that is a resident of Va, please please please file written complaints with the VA Bureau of Financial Institutions and the Attorney General's office. They won't do much more than send the companies dunning letters without enough complaints. With enough VA residents complaining, maybe we can get start shutting down more of these businesses. Or at least make it harder for them to stay in business.


lrhall41

Submitted by set4sail on Fri, 04/21/2006 - 15:14

( Posts: 412 | Credits: )


That certainly won't hurt - the Bureau of Financial Institutions is a division of the State Corporation Commission, btw, but in my experience they won't take action, because the loan companies aren't really located in Virginia. And, since it's a misdemeanor to do payroll loans without a license, they won't do an extradition, even if the offender is in Maryland or West Virginia. The AG could file a civil suit against them, but I've never heard of it having happened.


lrhall41

Submitted by Virginia-Legal-Defense on Fri, 04/21/2006 - 16:42

( Posts: 260 | Credits: )


Langhorne Law seems to be a front of sorts for Payday
loaner "Nationwide Cash" They have real fancy emails!

In my experience C&D's did not work with them. However,
I did send them to Nationwide Cashh and CC'd everything
to my Attorney Generals office.This seemed to hault the phone calls. They emailed me instead!


lrhall41

Submitted by Roadwarrior on Sat, 04/22/2006 - 13:13

( Posts: 637 | Credits: )


joy,

the VA Bureau of Fin. Inst. complaint dept is:

This office will thoroughly investigate your complaint if it is within our jurisdiction and make every effort to bring about a satisfactory resolution.


Virginia Bureau of Financial Institutions
1300 East Main Street, Suite 800
Post Office Box 640
Richmond, VA 23218-0640

As VAlegal pointed out, the Bureau and the AG's office won't do much more than let the companies know we complained unless more people file written complaints. The investigator I spoke with for the state of VA stated that if enough people complain, they will forward the info to the AG's office for them to pursue. I was told they have already done so for one internet lender, but he couldn't tell me more than that it was one of the companies I had borrowed from.

At the least, it doesn't hurt for the companies to see that you are serious.

The law may have changed recently, but according to the VA website it's now a class 6 felony (if they do pursue criminal investigations, and convict the unlicensed company) for an unlicensed company to make payday loans to VA residents. VA code 6.1-468

I looked up the Va AG's website, and they refer complaints to the Office of Consumer Affairs; their website refers complaints about payday loans back to the Bureau of Fin. Inst. so there is really only one place to file complaints.


lrhall41

Submitted by set4sail on Sat, 04/22/2006 - 15:45

( Posts: 412 | Credits: )


I just received a threatening phone call from this law firm. They threatened to call my job since this is where I applied for the loan. Is that legal?


lrhall41

Submitted by on Wed, 09/20/2006 - 07:31

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I was a little concerned about lossing my job because they reference this in their message "face federal penalties under 18 USC ???? 1029.


lrhall41

Submitted by MPETERS on Wed, 09/20/2006 - 08:01

( Posts: 2 | Credits: )


There is a posting somewhere here that LCW did yesterday about these federal laws they keep scaring people with. When you read the law they are actually the criminals and can't charge you with a thing. Just a scare tactic. This is a scary situation but once we calm down and think things through rationally, none of these threats hold merit, and we can use our common sense to see who the real criminals are, then once you have calmed down from the "fear" , common sense and reality sets in and dealing with the matter is much easier.


lrhall41

Submitted by WHEREAMI? on Wed, 09/20/2006 - 08:04

( Posts: 5263 | Credits: )


I keep reading posts that claim people are calling from my law office making threats. We ended our collections practice at the end of June, and our last contract with any payday lender (for corporate work only) ends this month. In fact, we're already gearing up to convert the entire practice to a consumer debt settlement firm.

Needless to say, I am very concerned when I read that ANYONE is using my firm's name for collections. So my questions to anyone who has received such a call since June 30, 2006 are:

1) Did the collector identify himself or herself? (And if so, what was the name given?)

2) Did the collector state which company they were collecting on behalf of?

I would really appreciate any information the members of this board can provide so I can get to the bottom of this.

Thank you.


lrhall41

Submitted by on Thu, 09/21/2006 - 20:26

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Thank you for answering. At least with Nationwide, there is a logical explanation for why someone might think it was my firm calling. (I was worried it might be some collection agency.)

From 2004 till this past June, I did do some collections for NWC. But I have since returned all of the files that we had been working. Nationwide's in-house collectors have been working the files ever since. In these cases, it would be natural for my firm's name to arise during a call.

Beyond those cases, my firm might be mentioned because NWC is still using accounts I set up for them to process collections payments. Although these are Nationwide's accounts, Langhorne Law still shows up on the borrower's bank statements. (I have have been assured by the processing company that, starting in October, these charges will appear under Nationwide's own corporate name.)

As confusing at this could be, they're a far cry from someone claiming to be an employee of Langhorne Law. Needless to say, I'm relieved by that.

Frankly, I've given this much thought since last night and cannot imagine why any collector would claim to be calling from my firm. There would be no advantage. When I did third-party debt collections, I was subject to the fdcpa. Period. Being an attorney made no difference. But in-house collectors are not required to follow the FDCPA. So why would someone who CAN legally use high-pressure tactics pretend to be someone who CAN'T use those them?

One thing I can assure everyone is that no calls have come from my office since June. I have no collection accounts for any client and have disbanded my entire collections department. My firm is actually closed pending a "grand re-opening" on October 11th as a consumer debt settlement firm. None of my former collections paralegals work for me any longer as I've hired an entirely new staff.

Ironically, we are going to specialize in negotiating settlements of payday loan debts. Somehow, I doubt I'll be on any of my old clients' Christmas card lists this year.


lrhall41

Submitted by on Fri, 09/22/2006 - 21:54

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Send a cease and desist letter. Go to this link for the template

https://www.debtconsolidationcare.com/forum/template-cdletter.html

Once you have sent the cease and desist letter to the CA, you are not supposed to get any further calls from them. If they do, they will violate one of the fdcpa laws by contacting you after sending the cease and desist communication. You will get a stand to press legal charges on them.


lrhall41

Submitted by ArDeN on Mon, 10/02/2006 - 15:52

( Posts: 496 | Credits: )


Domenic, get some life. If you have complaints, raise your voice against the state and congress to lift the cease and desist rule, SOL rule. People are just using their rights against evils like you. Mind it, these rights are available to people as legal protection against vultures like you :twisted: Now shoo...shoo..


lrhall41

Submitted by ArDeN on Fri, 10/06/2006 - 15:58

( Posts: 496 | Credits: )


How am I either of these things? I am a payday lender nor any type of lender. I have been a customer of them. Do they charge outragous rate, hell yeah. So do credit cards and my mortgage company. While the rates suck, they were on the papers I faxed when I got the loan, and unlike my credit cards, the rate was easy to figure out, some are 30, some 20, and some (ok just one, PaydayOK) are 10 on a $100. So when I signed the agreement for them to loan me the money, I knew that I had to pay them a certain amount, plain and simple. I was stuck with two choices, borrow the money and pay the huge interest payment, or using the last time I got one as an example, not have my daughter birthday party at Chucky Cheese. No payday lender has ever MADE me get a loan, my needs made me get the loan. By all you people logic, I should walk into K-mart and take soem toys off the shelve for her X-mas, and when they arrest me, bitch and cry about K-Mart be evil for makign me pay for the stuff I want. If you thought the fees were so high, a) your right, lol, but b) why did you ge the loan? So if keeping up to my end of the contract (the laon agreement) makes me evil than I guess I'm evilin you people eyes. But remember this, insurance rates are high because there are scum bags that make false claims, and maybe the sickening rates of these payday loan companies would be lower if everyone keep their word and paid these companies back. So with X-mas coming up, I'm going to be making at least one pay day loan which I plan on paying back, and I'll be think "I borrowed $300 and now I owe $390 next week, if only it was $345, I'd could buy my little angel something else. But it's not, because the company makes the good (me) pay for the bad (you). Thats all it really comes down to with these loans, because so many people "beat" these lenders, the rates are high, the good pays for the bad. Whats another word for bad? Oh thats right EVIL!


lrhall41

Submitted by on Sun, 10/15/2006 - 00:10

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Domenic--Fact is, their interest rates in most cases are ILLEGAL, and many of these companies do NOT have you fax anything to them. Cash2day for example. Then they make it nearly impossible to contact them to pay off the loan. One company hung up on me every time I called the line to pay off my loan. I had to call the "Get a new loan" line to pay it off.

No one would be complaining here if these companies were being fair. Wouldn't YOU prefer to pay a decent interest rate instead of HUNDREDS of percent? Maybe you should quit berating us for trying to make these places operate legally. If you notice, NO ONE here tells anyone not to pay what they owe..LEGALLY. If you borrow $300, pay back the $300 plus the legal interest.


lrhall41

Submitted by Jessi on Sun, 10/15/2006 - 04:57

( Posts: 3361 | Credits: )


We were in a very desperate situation and took out some pdl's for medical emergency

One of our pdl's with Web Payday we took out $500.00 and have paid $1,155.00 and they tell us we still owe $455.00.

Anohter we have with Nationwidecash.com is charging 1216.67% interest ! :evil:

Now after coming to these boards I'm learning that the ineterest they are charging is possibly illegal. I live in Virginia and according some resources found here they shouldn't be charging me more than I think 15% and that roll-overs, renews, etc...are not allowed and they have to be licensed with VA.


lrhall41

Submitted by rlt on Sat, 10/21/2006 - 02:49

( Posts: 4 | Credits: )


I received an e-mail from Langhorne Law offering a service to help settle my payday loans. When I did a search on the name, I found this forum. Based on what I am reading, Langhorne seems to be a collection agency for payday lenders. Is it possible that they are doing both services? Does anyone have any experience with them as a company that can help slow this down and help get me out from under? If not Langhorne Law, then is there any other companies that can help me.

Thanks


lrhall41

Submitted by on Mon, 11/13/2006 - 11:27

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Pafiredancer,
Langhorne Law used to collect for PDL companies in a past life, but has now changed the complete focus of its business and is working to help consumers like us make our way through this mess. In fact its primary attorney, Dennis Williams, posts on this site as Marcia Brady's LoveChile and has been very helpful. You should check out the website at LanghorneLaw.com.


lrhall41

Submitted by kscornell on Mon, 11/13/2006 - 12:12

( Posts: 4407 | Credits: )


A Mr. Travis fromm Langhorne Law called me. If i send them the western union and they aren't from your company how can they get it and cash it?


lrhall41

Submitted by on Thu, 01/11/2007 - 06:39

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There is a debt consolidation company that I am using named Langhorne debt solution. I'm not sure if that is the same company. They are very helpful.


lrhall41

Submitted by okjacqi on Thu, 01/11/2007 - 09:21

( Posts: 4 | Credits: )


Is that legal? They want me to send a WU to them payed to Langhorne Law????


lrhall41

Submitted by on Fri, 01/12/2007 - 05:15

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I called nationwidecash today aka ambassador and they said if I wasnt going to give them what they wanted they would give it to their in house lawyer...I asked for a debt validation letter, which he said he would email to me, still havent got it, what can I do to them now?


lrhall41

Submitted by on Tue, 06/19/2007 - 07:45

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Langhorne has just received $100.00 fee and are suppose to get $320.00 on 10/15/08 from my checking account. Please advise, should I stop dealing with Langhorne and how do I go about cancelling with them and getting my credit union to stop them from getting a payment. Sould i call the (PDL's) and try to deal with them?
Please help ASAP !!!!!!!!!!


lrhall41

Submitted by on Thu, 10/09/2008 - 05:15

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hello baltimore,first welcome to the forum.second if i'm not mistaken pdl's are prohibited in MD.if so what or if you owe depends on the following.please list the following

the names of all pdl's
the amounts borrowed total include fees and rollovers.

whether or not you stay with langhorne depends on one question.
are you willing to do some footwork in filing AG complaints,FTC complaints.you see it also depends on if you are due a refund from these pdl's.langhorne does have a mixed BBB rating.please provide the info requested we might be able to help you here.


lrhall41

Submitted by paulmergel on Thu, 10/09/2008 - 06:41

( Posts: 15514 | Credits: )


Hi, I am new here.

I???m sorry if this is the wrong for this post, but I was hoping some one here on www.debtconsolidationcare.com would be able to assist me access gmail from university as it it is restricted.

Any help would be appreciated

Thanks ;-


lrhall41

Submitted by on Thu, 11/18/2010 - 14:18

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