Legal Mediation Practice

Hi

They are a collection agency out of FL. They have an unsatisfactory report with the bureau due to unanswered complaints. While you are in contact with them, get the details of your accounts in writing. The federal laws force the collection agencies to validate the debt in writing. The CA must identify the creditor for which they are collecting the debts. Along with it, you must be given proper calculation of the interest and fees attached to the total debt.

Do not make any commitment before you have reviewed the debt account. You should be proactive while dealing with a collection agency. Do all your correspondences in writing with them through certified mail with return receipt requested.

Legal Mediation Practice, Inc.
1919-4 Blanding Blvd
Jacksonville, FL 32210
Duval County

Hello David,

Thanks for your response. I could not find anything about them on the web. They are suppose to be representing a paydayloan company(PDLC) that I have not repaid as of yet. They threaten to file suit and told me that I needed to get an attorney, they told me that the PDLC told them I wrote a bad check and closed my checking account, which I did not, I just don't have any money as this time, I told them and the PDLC that i will have the money at the beginning of next month.

When I told them that i could not pay them today, they said they are filing suit against me according to my state laws, I live in MD but got the loan in DC.

Do you or anyone know the laws in DC and/or MD for an unpaid check. Oh and the amount is under $1000.00

WOW! they are really nasty, I just called to confirm the address that you gave me and they REFUSED to give me the address.

Don't get intimidated by the collection agency. They are famous for their scary collection tactics. If they are performing fair collections, they should not have problems in putting the details in writing. Moreover, they are hiding their business address. It sounds fishy.

If they are collecting for PDLC, I will like to get in touch with them and request a statement before making any payment. I need to be sure about the company whom I will send the payment. There are many companies using illegal means of doing business. Be proactive in the first place.

They said that my bank sent me 2 statements and Ace Check Cashing (the PDLC) sent me statements. I told them that I did not receive anything from THEIR agency and since they are the ones representing and bringing suit I need something in writing from THEM!

I just got the varification letter off this site and addressed it, I will be sending it out first thing in the morning.

OT: how do I create a profile on here?

Anyone know what is next for me?
I set up a payment plan over three months. I paid one payment and today the second one is two days late. They refuse further payment and say they are "moving forward" with my "case". They already threatened to pursue me over "intent to defraud Ace Cash Express"? Anyone know if they really do pursue legal recourse?

those clowns are breaking every sentence of the fdcpa. read it, and every time they screw up tell them they did.

i had a credit card with america express, i paid every month on time until my husband lost his job for two months I could't made the payment, but by the trird month a made the payment was little beyond , continue made the monthy payment my balance is 9.000.oo, but iam not behind in the monthy payments , the collection called me demanding the 9000.00 now otherwise they going to suitme , i told them that iwas going to continue make the payments with amex ,they told me that donot waste my money , that account is closed whish is true but they accept my payments every month, Please letme know if they can suitme.what I should do, Idont have that money and they dont wantme to continue the monthy payments.

America

Notify Amex about the call done by the collection company. If they are accepting payments from you, you won't have to deal with the CA. They will pull your file back from the CA hired for the purpose. You need to do your correspondence in writing for records.

Just found this forum and I am impressed. I am an attorney currently bringing an action against Legal Mediation Practice for violations of both state and federal debt collection violations. I have been trying to dig up some dirt on them and this site has been quite helpful. Keep up the good work!

Jesse if you register I can promise you would get more than you could carry in court! :shock: :lol: These dirtbags do need to pay and I know many of our posters would be more than willing.

Hi Jesse, you can be a valuable addition in this forum. Browse through this forum and you will get enough information. You might be interested in doing a community sign up after some time.

I found this site after doing a reverse phone lookup on the number they called from. I kinda figured who they were being that they called from a number with a 904 area code. I said i wasnt home. Anyway they said that I needed to have my attorny get ahold of them as it was a legal matter. The thing is I dont have any idea what would be in collection. And I am afraid to call back and ask because I noticed that as soona s you do that they tend to call at all hours. And thats one thing I dont want. I dont know what I would ahve in collectino tho, I have paid off all my pay day loans from like three years ago. And never once received anything from this company or any other for that matter.

I took out a PDL from Ace Cash and within a few days, I went through some sort of identity theft where I lost almost everything to a company out of Brazil. Bank of america was able to give me temp credit till they investigated and took care their end. Now all this took sometime and mean while Ace Cashing turn my debit over to a CA(legal mediation practice). They gave me a three our deadline to pay back the loan or I will be arrested at my job and will face more legal issues from the military.
So JediMistress, once I request my debt information in writing, what can they do in the mean time?

They legally cannot do anything until they validate.This company is not known for having a tendency to follow laws.Please read the web links in my signature.Those laws show what they can & cannot legally do. Since you have an exposure with id theft,go to www.ftc.gov and click on the id theft link. It will give you some very good procedures to clean up after this.I would insert fraud alerts in all three of my bureaus just to be on the safe side.

I just recieved a call from the legal Mediation like some people i wanted to look them up to see what i can find out they told me i had untill 1.00 est today to pay the amount

Don't let them intimidate you! Others' have been told this and that they were sending people to arrest them, they were going to "download" them, etc.!!

I was told that by another collector, and I said, do what you have to do- I know the Chief of Police, and I'll be waiting!!

Have you had them validate your debt yet? Be carefull what you say to them on the phone. Take notes of what was said and keep copies of everything.

If you have questions,. please ask..KAren :D

In January 06 I took out a payday loan, shortly after that, the company closed the office and left no phone numbers or any way to contact them. I let it go and waited for them to contact me. June 07 I was called by LMP and told that I would be arrested at my job if I didn't pay within 24 hrs. I did, but now I'm being contacted by a collector from the payday company saying that the debt was never paid. What do I do... I got tired of looking at the receipts and threw them out a month ago.

I just need some advice from someone. I received a call from a stephanie at legal mediation practice saying that i need to pay 600 dollars on my loan and my loan was only for 300 and i asked why it was so high and she just said it was fees. Anyway i got sick and didn't work for 2 months due to surgery and i know i am responsible for paying for it which is no problem but i don't have the money to pay everything i can do it in payment but she won't except it. She said that if i don't pay it today that it will be forwarded to court. When she left a message she even said to have myself or my lawyer call her. Can someone please give me advice on what to do?

Thank you

First off Amie, don't get stressed over LMP's threats; that's all they are: threats! The very first call I received from LMP, I did a search on them and found this website. You will find lots of helpful information, helpful people, links to useful information, and above all, support! I have been unemployed since February of this year, due to medical problems, and the first call I received from LMP scared me so bad, I was contemplating suicide! No joke.
Secondly, send out a debt validation and cease and desist letter to LMP, certified delivery/signature required. There are examples of these letters all over this website, someone can post a link to one, or you can just do a search for debt validation or cease and desist. In the Validation you are supposed to receive from LMP, they are supposed to show how they came up with the $600 they claim you owe. Like me, you will probably never get any response from them. To this date I have never received anything in writing from LMP. That is a violation of the fdcpa.
Third, keep a record of phone calls you receive from LMP. Somewhere on the Internet, I found a handy log someone created that allows you to write down the pertinent details of the calls (IE name of company, phone number called from (get this from caller ID), time of call, name of caller, details of call, etc). Keep a record of all calls received. If you have a digital camera or cell phone with a camera, take a picture of the caller ID right after they call and keep it. Make a recording, if you are able, of the message she left you advising you to have your attorney call you. If you are able to record all your phone calls with LMP, do that also. Make sure to check your state laws on whether or not one or both parties have to know and agree to be recorded. I'm in Florida myself, so both parties must know and agree. All of this is evidence, so that if LMP keeps Harassing you and violating the FDCPA, you can retain an attorney and sue them for this. You can go to www.naca.net to locate an attorney in your area that can help you.
Fourth, If you know the name and contact information of the original loan company, you might try contacting them and working out some sort of payment arrangement. Be sure to tell them how LMP is harassing you and violating the FDCPA. As I understand it, they are not obligated to accept a payment arrangement; however, I would think they would if they want any of their money.
And lastly, please don't stress. The message and phone call from LMP was meant to scare you into paying; which it partially succeeded as it did scare you. It also prompted you, as it did me, to do some research on the Internet about LMP. I'm glad you came here before you sent them any money.
I'm sure if I'm missing anything or gave any incorrect information, someone will be along to clarify. I would recommend you do some reading on this site so you can better education yourself and be armed when dealing with CA's. I learned a few things and am suing LMP, myself, for violations of the FDCPA.
Oh, and before "guests" come on here and make comments about being "deadbeats" and "paying your bills", Amie did say the loan is hers and she plans to repay it. She doesn't, however, deserve to be intimidated and harassed by LMP or any CA.

:?: i have the same situation with that company, just like the rest they said i needed an attorney unless i paid the full amount, i told them that i had an economic sitiation, i owe them like 550.00 and what i make isnt enough. How am i suppose to make a payment that big when i dont enough funds, i work part time at a theater and right now my monthly income is 250.00 or even less, and trying to find a full time job is hard in California. What advice can you guys give.

p.s you guys can email me at Personal info removed Cajunbulldog

Rosa, It is not very wise to put your personal e mail on a public forum. Being that you have registered you can use our messaging system. Either a quick message to the left of someones post or a private message, the PM button under someones post
Mod, Please remover personal we mail address

Javeri, read the entry I posted in response to Amie. Long story short, if you don't have it, you don't have it. That was exactly my situation.
I would, however, highly recommend going through the process of requesting IL-Legal Mediation Practice to validate the debt and requesting they "cease and desist" communication with you by phone, only by USPS. Make sure you send this to them certified mail/signature required. You could even try faxing them the letter; if you don't have a fax modem on your PC there are some very good online fax services that allow you to fax PDF or MS Word format letters. I don't think we're allowed to give actual company names; however, if you PM me, I'll send you a link to the online fax service I used. Make sure you keep a copy of the letter along with proof of either delivery by mail or fax, for your records.
If you just do this, you might be surprised at how quickly you never hear from them again.
Also, make sure you file a complaint with the FTC, your state's attorney general's office, and the BBB.
If, however, they continue to contact you by phone after you send them the DV/C&D, *BAM*, you got them for one violation of the fdcpa. I'm willing to bet you will never receive anything in writing from them by mail, ever. So, *BAM*, another violation of the FDCPA. Once you've had enough of their chicanery, go to www.naca.net and look for an attorney in your area that handles violations of FDCPA cases. When I looked there, I saw there was an attorney at my local legal aid's office. Very convenient.
But please, and I can't stress this enough, don't let these Bozo's intimidate you! Read, read, read, this site so you learn about the FDCPA and about the shenanigans of CA's, and most of all, about your rights!
And if anyone that has read any of my previous posts regarding LMP thinks I have a personal vendetta against them, you're right. IL-Legal Mediation Practice pulled their foolishness on me at an extremely low point in my life, causing me to almost make a very irreversible and permanent decision that would have traumatized my family. I have made it a point to make sure no one else has to go through what I did, at the hands of LMP.

Just pay your debt and then they will not call you anymore.

Yes, that is great that you are going to pay the debt. But on whose terms ? You just do not go out and get credit then change the terms of the contract that you signed ? You need to skip the cable tv, skip a car payment, borrow the money from a relative or a friend.....just get the debt paid. On their terms, not on yours. Everyone has an excuse and the debt collectors hear them all.

When they first called I am sure the collector was nice, because they want you to pay. When they call it is for payment IN FULL. All the games have already been played. Grow up and pay the bill. DO NOT blame the debt collector for what has happened to you in your life, they are trying to help you get it cleaned up.

debt collectors, professional agencies....need to send out a confirmation of the debt in writng and then you need to address it then in writing, but ost people do not...they just do not even open it up. Then they can call you, but if you continue to ignore them with answering machines, not returning calls, just plain old ignoring the fact that you owe the money....then what do you expect.....they are gonna call you at work....if all else fails....the creditor has complete control of the situation.....then they might just sue you and then the judge will order payment of the debt and then court costs. They add up. PAY YOUR DEBT. SPEND WISELY.

If I loaned you $600, would you skip your car payment or mortgage payment to pay me back?

[quote=Chis Dingler]Yes, that is great that you are going to pay the debt. But on whose terms ? You just do not go out and get credit then change the terms of the contract that you signed ? You need to skip the cable tv, skip a car payment, borrow the money from a relative or a friend.....just get the debt paid. On their terms, not on yours. Everyone has an excuse and the debt collectors hear them all.[/quote]


Yup. I'm sure the debt collectors hear all the excuses. There's something else that an increasing number of debt collectors are hearing. That's the sound of a judge telling them that they just lost yet another case under the fdcpa and other federal and state laws, for illegal collection activities. To the best of my knowledge, nobody here is trying to get out of paying a debt they actually owe. We are getting pretty tired of being dunned for debts that aren't ours, being lied to, being gouged for bogus fees and exhorbitant interest. You know... All that stuff that makes collectors so warm and cuddly. Take a hint, huh?

Good thing it's the holiday season. Because you, sir, are as full of sh*t as a Yuletide goose.

[quote=JCEMT]If I loaned you $600, would you skip your car payment or mortgage payment to pay me back?[/quote]

Easy, my friend. He's just another mindless shill for the CAs.

Hmm, maybe we should just treat him like that goose, Hannibal Lecter style. :Whistles: now where did I put the fava beans and that chianti. Anyone else up for some liver?

dude, where are you finding these emoticons at?

Am I outta line?

I tend to collect them from all over. That one above was used on a bike board a couple years back, IIRC. In extremis, I've even been known to build'em myself. Whatever works.

I love the fact that they threaten to "download" you, what exactly is that? Has anyone figured that out?

Unemployed Ron says it's something like Tron... :lol:

But Unclewulf says it's only kinky the first time.

Chris Ding-A-Ling . . .Er I mean, Dingler.

I don't know what "Magic Kingdom" you're living in; however, Il-legal Mediation Practice violated the fdcpa from the very first phone call. Then compounded their error by never sending anything in writing within five days of the initial phone call. Then not giving me their address, when I asked for it. And being verbally abusive to me when I did call them back asking for their address. And continuing to call me after I sent them a "Cease and Desist" letter.

Do I need to go on? Have I made my point?

I got "zero" respect from them from the start of their collection attempt, and from what I have read on this forum I am definitely not in the minority. So don't give me the line about Collectors only giving what they get, it sure doesn't fly with me. Especially with Il-legal Mediation Practice.

Ron, you know you can sue them for $1,000 per call after they had received that letter, right?

Yes, I did. They settled out of court.

I just wish more people would go after these @$$-clowns each time the fdcpa gets violated by LMP towards them. We really need to bring this company down, or at least in check.

I would not have settled out of court. I would also have filed complaints with their state attorney generals office and the FTC

i recevie a loan from payday serivce whichn i should have pay back but i had major problem so i default on the loan now legal practice are harrament making threat as far as comming on my job telling me a bout the fla law for worthless check telling me they will be on my job with the police to arrest me this really freak me out i went over to make a payment of 232.00 remain balanced 668.00 they gave me a recepit without the name of the company and with out the balanced are i 'm been scamm by this company.

Nise Jackson, I'm sorry you fell for their nonsense! It is not a crime to owe money, you cannot be arrested. Every time I read a post like yours, I just see red!

I'm guessing you live in Jacksonville, then?

First off, you need to file complaints against Il-legal Mediation Practice with the FTC and Florida's Attorney General's office. Them threatening to come to your job and to have you arrested would never have happened, what's worse it is illegal under the fdcpa. If you live in Jacksonville, I E-mailed a reporter with a local news station here last week about these @$$-clowns. He did respond back advising he would check into it; however, maybe you should e-mail him too. If you can, register on this site and send me a PM and I'll give you his name and what station he works for. If enough people that have been victimized by this company contact him, maybe we can get them exposed on the news. Worth a start!

Then maybe the government will take notice too.

OMG am I reading this right?? Ok..nothing new about these guests telling us to ???????pay your bills????????..but ???????get rid of cable TV, skip a car payment???????? are you serious??? Ok..let me get this straight???????basically if we owe one CA we should just forget our car payment, drop cable and pay the CA. But look now, we have a voided contract with the cable company so that will goto collections, we have a repoed car and now we have no method to get to work and pay the CAs off. Ohhh yeah..that is SUCH sound advice!

oh gosh, I just got a weird automated message informing me to press one, but silly computer left it on a voicemail, not a live person..
anyway, I looked up the name on the caller id...its Legal Mediation Practice, I have no outstanding payday loans, or does my hubby...we had 2 for a very short time last summer, and paid them off a long time ago, and believe you me, I have EVERY receipt...

Anyway, I dont have time to 'join' here right now, but I will, before having kids, I was an Operations Manager for a Collection Agency...and had worked my way up the collection agency ladder, and ended up in an executive position...before you slay me, know this. I was SO VERY shocked at the harsh tactics I was 'taught' and 'trained' to do, that instead of riding the grey line, and crossing it, like my coworkers ALWAYS did, I took the higher route, and vowed to change things.
The agency I worked for (large agency, services mostly government accounts, parking tickets, civil fines, muni tickets, those kinds of things). When I started, this agency had maybe 15 collectors and maybe 3 big clients..most of the collectors got joy over harassing people. The higher ups wanted change, and I brought it. I changed everything. We turned into a respectful agency, and 11 of the original 13 were fired for not following fdcpa or even walking the grey line of it...and I built the collection floor with people who respected the people who owed the money (I hate the word DEBTOR, especially since I have owed money before, and still do, and its just so negative)...anyway, when I left we had over 25 government accounts, won with our 'new attitude' and responsible employees, and accounts from all over the US. I had 4 managers under-me, and then 2 team leads under them, and about 10-12 collectors under them. We thrived and made so much more money with respect..oh, and the whole last year of my employment there, we got ONE, yes ONE complaint via the BBB/banking commissioner/fdc....and it was just because someone thought we were violating the DNC list, and they filed it without knowing we actually were not a sales call...and it was dismissed....I have since heard, they have had some troubles after letting me go (whole other story, my family leave was up due to a preterm labor, so they were legally able to 'let me go'...morally, it was a different story)..

BUT, I think that I can offer lots of great consumer protection/fdcpa/complaint info to the discussions, and will be joining officially soon!

yaka

Personally, I think this posting deserves to be under it's very own topic, not "marred" by being under the Il-legal Mediation Practice one.

Guest! You are truly a "Guest" I don't mind reading a post from! It's the Collectors like you and FYI that do follow the law that are so rarely heard from or about. I personally thank you for posting and please do join the forum and offer any advice or support you can, whenever you can.

If you do call Il-legal Mediation Practice back, just be prepared for whatever garbage they do throw at you. I'm pretty sure you will as you are already an insider. If you read this entire thread, I'm sure you're already familiar with their tactics.

Oooh, oooh, did they wish you good luck at the end of the message? I'm curious to know as that seems to be their latest tactic. Probably not, since it seems from your post they must have used an auto-dialer.

Thanks again! Can't wait to hear more from you.

I have had a problem out of them and now it is solved. I workied with a lady and she was extremely helpful. The men there are crazy and don't care to understand your situation

Gemini, glad you found someone there that was actually helpful and treated you as if you were a human. Do you care to post any more details on what your situations was and just exactly how helpful she was? The only phone calls I ever received from LMP were from females, not males, so I'd be extremely interested in finding out if the one you dealt with is either of the ones that I dealt with. As they violated the fdcpa from the very first phone call.

Of course, they all probably use an alias, and change them regularly, so probably couldn't be sure she was or wasn't the same.

The optimist in me would like to think they are turning over a new leaf and behaving lawfully while collecting on debts; however, the pessimist in me says "Fat Chance!!!!"

I was just contacted by this company Legal Mediation. Yes I took out a payday loan and defaulted. The woman told me she was sending it to the courts and then when she asked if I was going to pay, I told her I had no money to pay right now. She said "So you are waiving your right to a trial by jury?" This pushed me over the edge. I have been to jail more times then I care to remember and I laughed at her when she told me this. I told her to go ahead and send the constable as I am waiting. No big deal for me at all. She said "Good Luck". I replied with "F*** You" :-) I was going to pay this bill but not anymore.

Debts are civil matters, not criminal. This company does this all the time even though they are breaking the law by saying so.

Guest, if you do owe the money and are able to pay then you should. If you don't have the money, then you don't have the money.

That being said, you do not have to take the verbal abuse from these idiots! As JCEMT pointed out they are constantly in violation of the fdcpa themselves, so I doubt they would ever take you to court. You have in no way waived your right to a trial by jury and they are not sending the police to arrest you. I normally advise people victimized by this company not to be intimidated or frightened by their threats, but it seems to me you've got that covered already.

My advice would be to send them a debt validation letter, certified mail return receipt requested. You will probably never hear from them again and if they continue to collect on this debt, once they have received the letter, without validating it you will have a documented violation of the FDCPA and you can sue them. That's not to say the threat of being arrested and waving you right to trial by jury were not violations, just that the DV letter would be an actual hard-copy documented violation.

Also, if you don't want these idiots calling you at work, and they more-than-likely will, then make sure you include a partial cease and desist in that DV letter. Tell them you only want them communicating with you via USPS only.

Keep us posted on how things go.