Legal Mediation Practice

Couldn't have put it any better myself, JJ.

Don't let these idiots scare or intimidate you. You cannot be arrested for a debt!

Hey man thanks for the advice....Allot of stress in our house right now, me not working and things are really tight....By the way unemployed ron are you working yet?

So they just called me at work too. I recognized the # from my home caller ID, here at work and didn't answer. They then got thru to my coworker who transferred the call. I was basically told I had to pay the $620 from Payday-Loan-Yes, which I know I owe, by 4pm Eastern Time - I live in California; so basically within 1.5 hours. The woman gave me the Money Gram info.
I then called Payday-Loan-Yes who said my account was not in their hands anymore and couldn't accept any payments from me.
I called LMP back and spoke with a man who said I did have to pay; I said I did not have the money and if I could negotiate a settlment or payments. He basically told me no, then put me on hold to say he could lower it to $450. I told him I only had half that amount; he put me on hold again, to say he got it down to $400 (which is about right) and it had to be paid today by 4pm EST. He went on to say how he did me a huge favor and pulled strings to lower the amount, bla, bla, bla...I asked if LMP could send me an email or fax for my records and he said if they did that for everyone, they would never get their work done. I explained I had my personal and financial info stolen and wanted something in writing for my protection - he said her understood but there was nothing he could do. As with everyone else, the threats of being charged with check fraud, the police coming, etc was speeled.
I just don't want them coming to by job, or bothering my coworkers. I told him I had every intent on paying, I just don't have a huge amount of $ to pay; I can only afford small payments.
So I came here and found everyone's blogs. I'm just worried because he gave me the info for Money Gram, I didn't actually agree to pay the full $400, I just said "mmm, OK."
I'm not sure, If I should send a letter/fax requesting documentation of this collection account.

Send them a limited cease and desist letter and tell them to stop calling your place of employment and to contact you by us mail only; the police will not be coming, you can't be arrested for a debt.

I second that, and you should include a debt validation request with that limited cease and desist. They are required, by law, to provide you written details on this alleged debt.

His excuse of "if they did that for everyone, they could not get their work done. . " is complete BS.

I would fax a copy of this letter, as well as sending it certified mail/return receipt requested. If they continue to harass you at work or at home after they receive this letter, and I'd bet my left arm they will, then you can sue them. I also recommend filing complaints, re: the threats of arrest, etc, with the FTC, your state's Attorney General's office, and the Florida Attorney General's office.

I need their phone number, a debt I paid off to them is no being collected by the Law Offices of Swanson and Mace. I need to get LMP to give me a statement that the account was paid in full.

LOL!

Swanson-Mace!!!!

What a hoot! I've dealt with these idiot too!

Another initial phone message fraught with fdcpa violations.

Plus I never received the initial written correspondence either; the one they are required by law to provide within the first five days of the initial contact.

I DV'd them and never heard from them again.

Here are Il-Legal Mediation Mal-Practice's digits:

Phone: 800-201-0565
904-387-3187

Fax Number: 904-854-9447

I guess Legal Mediation isn't concerned with all the negative postings here because they called me tonight with the same crap. A so called courtesy call to let me know that I will be arrested tomorrow unless I can somehow pay them 500.00. I have to tell you I was really scared. However I'm glad I decided to try and look up these guys on the internet because now I see what a scam they really are. I do not understand how they can still get away with this. I would think by now LM would be concerned now that the cat is out of the bag.

I guess Legal Mediation isn't concerned with all the negative postings here because they called me tonight with the same crap. A so called courtesy call to let me know that I will be arrested tomorrow unless I can somehow pay them 500.00. I have to tell you I was really scared. However I'm glad I decided to try and look up these guys on the internet because now I see what a scam they really are. I do not understand how they can still get away with this. I would think by now LM would be concerned now that the cat is out of the bag.

I received a call today from Legal Mediation Services asking for me to pay an old loan in full etc... - I called the people who I got the loan from and asked to set up payment plans - they gave me a number to call of the people that were in charge of my account - I called and it was NOT Legal mediation Services but aanother company!

I would suggest sending a debt validation letter/cease and desist to Legal Mediation Practice, then. Work with the CA you were given by the original PDL company and try to get it resolved. Make sure you keep all records of payments and a paid-in-full letter for future use if another CA gets hold of the account.

now that i know they won't be aressting me at work which i clearly left to look for the money that they said i had to pay by noon. should i call them back or the only communication i should have with them is mail? please help me cause i never been in this kind of situation before, i'll pay the loan back but i just couldn't pay back today at noon. thank you..T

the address for this bottomfeeder should be at the front of this thread.send the letters.do not engage in any more conversation.let your letters do the talking.

I agree with Paul. If you contact these idiots by phone, they are just going to harass you and scare you with threats even more. Just send them the letter and they will have to leave you alone until they validate the debt. Which they probably won't do.

Be sure to stress in the letter you don't want them contacting you at work, they are only to contact you by USPS mail.

You cannot be arrested for a debt, it is a civil matter not a criminal matter. The worse they can do is sue you.

Before you pay, make them validate the debt and that they have the right to collect it, also ask for a PIF letter when they are paid.

thank you for all the help and info you all been giving me. i've never been in this situation before and i'm glad i got some feed back on some really good advice. where do i get the address and i just type them a letter for them not to harass me? untill i know that everything is legit is when i start paying my debt?

Got the standard call at work today. Told me the same lines as everyone else. Freaked me out at first, but my husband calmed me down, and reminded me there is no debtors prison. They claimed my account had been closed...it is not. They insinuated that I would be arrested. Told me my agreement (with WEB PAYDAY) made this a class 1 bad check. I can't find such a thing. Told me to fax a hand written authorization to use my debit card (didn't do that)...by 4pm or they would show up at my work. I guess I would just have to call security on them. I spoke with a Robert Taylor, told him I would call back, and I am not going to. Thanks for all of the great info!!!

In response to their "class 1 bad check" comment, I would have told them they are "class 1 full of crap!"

Glad you got the information you needed so you would be better armed when dealing with them.

Well this company has contacted me and they changed there name to H&P Capital. They have threatened me with legal action but no documention. I contacted Payday services which in turn sent it to a collection agency named AI Services who in turn outsourced to this company. Well the man I spoke to was very helpful and said that's all he hears about this company is negative feedback. He said to wait six months and than they get it back and they are willing to work with me. So it goes to show you who is willing to work with you and who's not. They aren't willing to send any paper to me through e-mail or certified mail.

The next time you get a call and they unload all that 'you will go to jail' crap, inform them that you know your rights and it is they who can be slapped with a lawsuit for making illegal threats they know and you know they can't keep.

Absolutely! Don't be intimidated by these idiots.

I would still send them a debt validation/partial cease and desist letter, just to cover your bases with them. Just do a search on their name in the upper right-hand corner of this page and can find their contact information.

I wondered what was going on at their office, i saw all the yellow reserved parking signs for LMP had been taken down. I figured they had been raided and shut down but I never could find anything in the news regarding them. They must have just changed their name because of how easy it was to screw up their name: Il-Legal Mediation Mal-Practice. I'll drive a little closer by their office next time and see if they are even still in the building, they probably moved too.

No worries, though, I can track them down to whatever cave they slither away to hide in.

They changed there name to H&P Capital from what I was told by AIS Services who outsourced this to them. The guy on the phone was very helpful in giving me all there information and telling that they get people calling them in tears from what they say. He told me to wait 5 to 6 months and my attorney told me to get a letter and statement sent to me certified mail. They also said that the practice of threating people is IILEGAL. What to do?

Well my attorney said to get a lettter and statement of the dollor amount owed. Also they told me that it is illegal to threatened anyone over the phone. The collection agency who outsourced this account to them said the same thing and was very helphil in giving me all the information I needed against them. They changed there name to H&P Capital probably becasue o the way they treated people and lawsuits against them.