Langhorne Law Office
Date: Fri, 04/21/2006 - 10:59
Does anyone know if this is a real law office or a CA?
Does anyone know if this is a real law office or a CA?
What did they tell you? Didn't they disclose the name of the ori
What did they tell you? Didn't they disclose the name of the original creditor? Ask for validation. When a law firm collects debt for others, they fall for fdcpa, hence they should respond to your request for validation.
I haven't talked to them yet. They called me at work so I'll ne
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
another idea is to see if virgina legal want to represent you an
another idea is to see if virgina legal want to represent you and sue them
Feel free to PM or email me with details, including what county
Feel free to PM or email me with details, including what county you live in. I'm sure I'll be able to give you more information. Please list all the names you know of that the loan co. uses, including website address.
joyfordream, and anyone else that is a resident of Va, please pl
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.
That certainly won't hurt - the Bureau of Financial Institutions
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.
set4sailor VA Legal Defense, do you have addresses for the 2 pl
set4sailor VA Legal Defense, do you have addresses for the 2 places you mentioned that I need to file complaints with
"Langhorne Law"
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!
joy, the VA Bureau of Fin. Inst. complaint dept is: This o
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.
LANGHONE LAW
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?
They can call your job to verify your employment, but they can n
They can call your job to verify your employment, but they can not disclose personal info. such as the nature of the call and your issue with the company. They can not do anything to your employer for taking the loan out on the internet while using their computer. This is a scare tactic.
LANGHONE LAW
I was a little concerned about lossing my job because they reference this in their message "face federal penalties under 18 USC ???? 1029.
There is a posting somewhere here that LCW did yesterday about t
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.
I keep reading posts that claim people are calling from my law o
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.
scott williams sent plenty of threatening letters & phone calls.
scott williams sent plenty of threatening letters & phone calls..... for nationwide cash
Thank you for answering. At least with Nationwide, there is a l
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.
So if i have someone continuely calling my job for payment what
So if i have someone continuely calling my job for payment what can i do to stop it?
Send a cease and desist letter. Go to this link for the template
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.
Domenic, get some life. If you have complaints, raise your voice
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..
Another place to get settlements of PDL's...hmmm...
Another place to get settlements of PDL's...hmmm...
So I am a Evil Vultures?
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!
Domenic--Fact is, their interest rates in most cases are ILLEGAL
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.
I agree with you Jessi
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.
Langhorne Law
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
Pafiredancer, Langhorne Law used to collect for PDL companies i
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.
Listen to kscornell, it would be WELL worth your time to receive
Listen to kscornell, it would be WELL worth your time to receive a free consultation from Dennis at Langhorne Law, especially if you are caught in the pdl trap.
Does Lanhorne Law only deal with payday loans or can they help s
Does Lanhorne Law only deal with payday loans or can they help settle other debts such as personal loans? I think I am going to cancel my service with my debt settlement company because I am beyond frustrated now.
Mishele, I think in some of his posts, he mentioned not dealing
Mishele, I think in some of his posts, he mentioned not dealing much with credit card debts, but I don't recall him mentioning personal loans. It might be worthwhile to PM him. It's too bad about your current company. That is frustrating.
I did send him a pm to find out more info. I want to see how mu
I did send him a pm to find out more info. I want to see how much in fees that I can get back from my other company. I also e-mailed another gentleman who was also recommended to me. It's life I guess.
You definitely should get back some of your fees - it doesn't so
You definitely should get back some of your fees - it doesn't sound like they did much for you. Good luck with either place that you choose to go with. I know you want this over and done with already.
dennis williams
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?
Langhorne Law Office
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.
It is the same company, they used to collect on ipdls, but some
It is the same company, they used to collect on ipdls, but some ipdl companies are still using the name in an attempt to collect the debts.
I'm sure it's NOT legal, but it's not like most of these interne
I'm sure it's NOT legal, but it's not like most of these internet PDL's are operating legally in the first place.
Mr. Williams is in full control of having his name and company n
Mr. Williams is in full control of having his name and company name removed from these accounts. I think it is fascinating that he has not done so...
I called nationwidecash today aka ambassador and they said if I
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?
Need advice
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 !!!!!!!!!!
reply
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.
Hi, I am new here. I???m sorry if this is the wrong for
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 ;-