P. Scott Lowry Law Office

Making unauthorized debits before the due date is illegal. Show your proof to the collection agency as well as the original company about the debit done before the due date. Also check if the money has been transferred towards your account.

Explain your problems of dealing with this CA to the original company. I guess they can pull back your account from this CA so that you can deal with the creditor directly.

That is so wrong! What would have happened if the funds weren't in your account? You would have got slapped with an overdraft fee for at LEAST that debit..Checks may not have cleared.....

I would call Chase immediately and ask them to recall your account.

I agree with others!

For them to make an unauthorized debit is illegal. Did you ever get a letter from the law office stating they will do this? If not, thats a HUGE no no.

Definitely contact Chase.

I never received anything from them saying that they would be taking money from me. I actually talked to them 2 weeks ago and tried to set up arrangements. They wanted these huge deposit amounts that I coulnd't afford. They wouldn't accept my $70/month. At that point I went to Chase to see if my online account was still active and it was. I was able to do the post dated checks directly through Chase. When P. Scott called to harass me some more about the debt I explained to them that Chase excepted my payments. The rep I spoke with said that I couldn't pay Chase. I had to pay them (so they get their commission). I told them that Chase accepted it and I would be paying them. She then put me on hold and gave me their address and asked that after the last post dated check I made to Chase, to start mailing my payments to them. I thought everything would be ok. I never dreamed that they would do this.

I was very lucky that nothing bounced, but there is a very good chance that it could have, since I am so tight with a budget and my bank account. Sometimes I pay out so much, I am only left with $5 till the next paycheck. I did get lucky this time, but I am just concerned that they might do this again. They are supposed to be a "law office". Shouldn't they know this is illegal? What jerks!!!

I find it very odd that they would not accept your $70 a month but they had no problem taking $50 from your account without your authorization.

For them to say they are a law office is a joke because it is perfectly illegal to do that. Contact Chase and request them to remove your file from the P.Scott company immediately since they are accepting your post dated checks (they even deposited in their own account).

Digging up an onld one here, but I will inform you that they are currently pursuing $6000 from a person I know. They are intentionally trying to mislead this person by saying they are collecting the debt for the credit card company, when they have purchased the debt and are simply trying to collect it from themselves. They have continued calling after a certified letter was mailed out specifically stating they could not contact this person via phone again. They are dishonest, crooked, and greedy. If you ask me, no one should pay them, regardless of the consequences. If anything, make sure they send you verification of the contract that you signed to pay them the debt owed. It seems it's common that they won't send you any verification and hope to only win judgements against you by default from you not showing up in court to dispute it. Fight the crooked lawyer boy! Fight him!

This lawyer is part of the cacv,cach,and collectamerica group of dirtbags. Our members have had personal experience with them and they are crooks.

They can drive people crazy with their sleazy collection tactics. They will lie to you, threaten you that they can garnish your wages, seize your property or put you behind the bars. Their motto is ( mean unstated motto :wink: ) ???????Harass them until they admit they owe the debt, even if it????????s not their's??????? I have even heard that they change the date of the debt to make it look much newer. And if you ask them to validate the debt (which they can????????t) they start using illegal tactics. So beware of them.

yes as Cajun said this is CACH! Do a search at top of page on CACH!!
This is NOT legal!! Make sure to send them debt validation letter immediately with return reciept! Don't mess around with CACH, they play dirty!
Stay on top of this and ask any questions u may...
Chase must love hiring CACH, that's my credit card too that was turned over to CACH!
Good Luck,
Ang

Report this unauthorized debit to your bank, and by law they must investigate. If they don't, you can sue the bank. The best thing would be to open a new account with a different bank. This should stop the debits. Only pay collectors with money orders and the like. Never let them have any banking information.

Lowry is a crook! When dealing with him, call his bluff. I had an exchange with him several months ago. He is a compulsive liar and a snake and should be disbarred. If you hit him with DV letters and Cease & Desist letters, he will back off and send it to another sleazebag. He is lazy and won't respond to DV's because his slimey "clients" can't prove anything.

Here is a new one for you wonderful people!

I just got involved with these people. I sent them a DV and they sent me back (6 months later!) a generic visa/MasterCard agreement. Nothing with my signature, nothing with my account info, and no statements of any kind.

Can they do that? The lady I am talking to is really nice (so far) and it trying to find the info (so she says).

Also, add Credit One Bank to their list of companies they work for.

Send them another DV letter and state that what they sent prior is completely unacceptable and they need to address each item you are requesting and provide the proper information or cease all collections.

CACV/CACH. Argentum, and thi like are a 350M dollar company that perchase "BILLIONS" of dollars in Debt yearly. As a past employee of Scott, I enjoyed working "FOR HIM" his collection managers and lay debt collectors are THUGS, LIARS, CRIMINALS, and CON MENS, "AND WOMEN". THey are currently payin gless than """".09""""" thats NINE CENTS, one the dollar for their debt. THey can get actual contracts as long as it is not over 2 years from the opening of the account, and on some, there is no chance of ever getting a single document that shows they have a right to collect from you or charge you interst. If you get a letter or call from them, call your local Attorney General, Write the AG a letter regarding your experience with them, and copy SCOTT. He needs to know who is making him look bad so he persoanl can fire them, AND HE WILL. It is his managers and collector oing this crap behind his back. But selling COlelct Ameica for 350M , he can afford to pay a fine or two. Which by the way, HE SAID HE WOULD NEVER SELL "OUR COMPANY" .... A real man of his word!

So the saga continues. I just got a "verification letter" from the law firm and the amount went up 200% since they original letter they sent out. It has taken them 4 months to send me what I asked for now they are charging me fees to get verification.

Anyway, I sent them a settlement letter (certified mail) today and told them I would settle for $450. Not the $1,300 they now say I owe. They just called me on the phone and i explained that, I sent out a settlement letter and was awaiting a reply via USPS. They asked how much I would settle for and I said 450.

They then said that I had to pay the entire thing or go to court. I then explained that I was leaving the US anyway and would not be returning any time soon so they could accept the agreement or not. Did I do the right thing?

I am confused and I have no idea what to do next. Any help would be greatly appreciated. Thanks!!!

I used to work there, they were horrible. I can't even describe how bad it was. The managers were crooks, thugs and down right disgusting to work for. They wanted me to call 85 year old people on resperators and threaten them. Couldn't do it. P. Scott is a crook, Daddy was dis/barred for sex harrassment, and I know they have been sued since.. all men no women there. Hate them

I had a vehicle through bank of america. I fell on hard times and my vehicle was repossessed. I was turned over for collections to this law firm. The guy I originally spoke with ,because it has changed several times since I have been with this agency (since September), said that if I wanted he would either do a settlement or we could do payment arrangements for some odd months, well, there was nooo way I could come up with the full amount. So I opted for the payment arrangement.
Ok, they set me up paying 200 each month. Which I understand I agreed to it. So after a few months I was able to make payments but I started noticing that I had no money to do anything else. No gas, no groceries, nothing. So I called back and asked could we maybe split the payments to where a 100 was coming out of one check and 100 out of the other. They said they couldn't do that. Even after me explaining my situation. They basically said to deal with it.
I was upset but still hopeful for when february came to see about making other arrangements.
Today, I call to work out arrangements and first off, the guy had an attitude for h*ll. He was very rude. I told him my situation and that I can do 100 each month. He said why don't you get a loan...I said if I could afford the interest we wouldn't be having this conversation. I can't do it. So he proceeds to tell me that I'm only hurting myself. Ok, debt is debt, either way it goes. I tried to explain to him, if I can't afford to pay 200 then I can't afford to pay 3 of 4 hundred for interest. And then he said well I'm not changing it. That I would have to deal. So I told him that I would need him to explain this to my mother because I just can't phathom why he would work with me. So my mother calls, He answers the phone and as soon as she said who she was, he said I have nothing to say to you, She is being difficult, I won't work with him, and he is going to turn me over to the lawyers.. I couldn't believe he said I wouldn't work with him. If anyone has advice please let me know. :evil:

I have been dealing with this company for a couple of months now, and am self employed. I have stated that I have every intention of paying the debt I owe, but it will have to be on my terms, ie; when i have the money. I have been continually threatened by them, they are going to attach my home and my business. Marie even told me to get my 78 yr. old mother the borrow the money to pay them, she also told me I needed to humble myself and just find the money where ever I can, that no one ever listens to her sob stories. i told them I am in pre-forclosure and have tax leins on me so they can stand in line.

I would not bother having phone conversations with that idiot. You should start by sending them a DV letter and pulling your credit report. If the credit report is not accurate then dispute that also. Also check the SOL and send them a CD letter if you are outside the SOL.

I work for the governement... i told them that i was at work and desired to speak with them at a later time... i also spoke the the COunty Attorney's office here. They are totally violating the Fair Debt Collection Act and my Rights!

Send them a C&D letter to stop the calls.

oh can it troll...this rent-a-lawyer is a bottomfeeder deluxe and you must work for it.never heard of this bottomfeeder getting anything through the legl system.also threatening like they do is illegal and against the law.how will that stand up period.much less in court.

sorry Paul...I deleted that post as it brought nothing relevant to the thread

fair enough nascar.sometimes i feel the need to respond.that's just me though.no problem.

It's not illegal for them to tell you that they are going to sue you if they have the ability it becomes illegal when they have no intential nor ability

no they can't threaten and not sue.show me one example shill of this sham of a collector actually suing after threatening such.for example if this dope called me and threatened suit,i would inform him of my recording of the next call and he has 30 days to file suit or it's an fdcpa violation.what's your answer for that?

utter nonsense deleted.if you post this idiocy again.it will be deleted again...paulmergel

This office is a fraud. They pursued me for almost a year claiming that I owed $4,000 to a bank credit card. I didn't! They filed a suit in county court....and proceeded to try to serve me many times, with no success. They have recently filed a motion with the court to dismiss the case for "unable to serve defendant". All I can say is "hooray" and "up there's"!

I am currently having problems with these people. I, also, know that I have a debt to pay off. I can't make the payments though and the man yelled at me saying it was not a priority to anyone and that I had to pay! i asked who 'everyone" was, since I am just one person- AND HE HUNG UP ON ME! I did not speak to him and the check bounced (as I knew it would, hence me trying to lower my payments). I finally had to call the guy back since he began calling my fathers house all the time.
I do not know what to do. I mean, what can he legally do? He is threatening to send it to the lawyers, which is fine, I still will not have the money! This is what happens when you have lost your job and are in school full time. I just get nervous because I do not know what y'all are saying with the C&D etc. But I do need help. Oh- when I tried to address his attitude from the previous conversation, he said that he would not go back and forth with me. WITH ME!?!?! these people make me sick.

What to do and what happens when one receives a document from National Arbitration Forum on behalf of filing by P Scott Lowery??

Just got a call from Lowery's office yesterday. I was set to start sending payments in to the original creditor until I go the call yesterday. They sounded pretty aggresive on the message and I just can't even begin to pay a straight payment that they are requesting. What to do?

I got letters from them about 2 years ago, sent DV the second I got the messages, they sent one or two more letters, never giving me the info...I sent a final letter, showing copies of thier letters, cited specific fdcp....never heard from them again.

I imagine they buy junk debts and have no proof....get your DV sent (CERTIFIED) out fast!! Keep copies of everything you send them and they send you. Keep records of any calls...they will go away...

I am in the same boat only they did go as far as placing a judgement but I settled with them so that my wages wouldn't be garneshed. So I guess I am basically ######. Any body have any suggestions on what to do. They also did the withdrawal without my permission. In talking to them one time i stated that after March I could possibly make a payment. March they withdrew $200.00 from my account. I got the withdrawal cancelled by my bank but it was going to make my OG& E bill not pay. What does a person do to get out of this.

I am also dealing with them. They are telling me that I owe $2,000 from a hospital stay 2 years ago. I never received anything in the mail from the hospital saying I owed anything, no bills or anything. Then to top it off when I do hear from the law office 2 years later they call my job phone saying that they have been sending letters to an address that I lived at 6 years prior. I was NOT living there at the time of the hospitalization and would never give that address. If they found my work number and house number after 2 years why couldn't they find my correct address before it went to debt collection? Very strange!

Send them a DV letter immediately, certified, keep copies of everything you send them and if they send you anything back. Worked for me...haven't heard from them since!! Goood Luck to you!

:confused:I have dealt with P. Scott they represented bank of america ,I had a 7000.00 credit debit I had to give a lump starting payment of 1800.00 them started paying them thru connect pay.com $399.00 a month for 6 months then was cotacted and was told due to added interest i had to raise the payment to $430.00 a month. in the end i reaised the payment to $450.00 for the last two months one payment left next month of 276.00 and i will be done.during the leath of the repayment they did offer lump settlements but they were to high for me to make them yours truly W HORN:D

how did you pay this place?also was this agreement in writing?i'm betting not.

i just got a email from my hr manager at my job stating scott lawrey law firm called to see if i was still employed with them which i am part time and told them it was important that i call them now the number is 1-866-202-0021 i am working with a debt settlement company because i don;t want to do bankruptcy unless i really have too but how do i keep them from calling where i work????

All you have to do is mail them a letter telling them that phone calls to your place of employment are not allowed.

I have to say that my experience with P Scott has not been totally unpleasant, afterall... I wouldn't have them calling me if I would have kept up on my Discount Tire (GE Money Bank) credit card in the first place. I have to say that I was originally upset that GE Money Bank cancelled my card after 7 years of never missing a payment and it was right after I purchased a new set of tires, I made a couple of payments then ended up in a tight spot so that was the card I decided not to pay... I am not innocent by any means but I know that I am paying off about $900 more than what I owed to GE Money Bank to P Scott....however, they did offer to settle the balance due for $1000 if I could come up with the money in the month of January... I was unable to do so I am paying off a total of $1917.48 )o:

I don't know what to do about these people. They have gotten a judgement against me and will garnish my husbands paycheck if I don't pay them. The problem is my husband had to have emergency surgery a while back and was on leave without pay, plus I have been layed off for nearly 10 months. I cannot afford to pay them right now, but I am robbing peter to pay paul so they don't garnish his check. Does anyone have any suggestions on how I can get them to stop, at least for a while.

You can help yourself, they bought your debt for basically nothing and your bank wrote off the debt, how can they sue u if you have no contract withthem? They are mistaken and don't let yourself be taken! I am goin to fight this co! Not my problem they bought mt debt and their illegal threats r a joke don't let them bully you into paying they don't derserve anything but jail time! I hate people like this and I think everyone should sue for emotional distress and put these losers in their place

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You guys are all stupid and don't know what your talking about. If you call Chase, all they're going to tell you is that the account has been purchased by a group of investors in a portfolio and is now owned by Square 2 Financial. Square 2 Financial one of the largest debt buying companies in the country who purchase bad debt straight from the banks or financial institutions. When they sell these accounts, there's nothing in that transaction that has any of your previous or current bank account information available. The only electronic check they would have presented to your bank is one that you gave them your account information for. So your probably lying because if they did do that, you wouldn't be wasting your time on a debt consolidation forum but would have contacted the attorney general in your state and forwarded the documents to prove this transaction was illegal.

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First off u said that u set up the chks online so u must have made the mistake of entering the information wrong. Second they have an automated letter that goes out if u gave the correct address 3 - 10 days before your chk runs letting you know they have it set up. The actual office has no control over that letter so if the chk is in the system then the letter goes out. Third they arent commision based even if they got straight commision they would still get credit for your payment since the original creditor isnt handling the account. You need to keep track of your payments and maybe if you would have paid it on time in the first place that never would have happened. Your part of the reason our economy is in the state that it is in, not because obama or busch. Thanks for being a part of the problem instead of the solution!

Y dont u hate urself for robbing the bank and not payintg them the money you borrowed. Instead of getting mad at people that have to ask you to be an adult and pay your bill maybe you should step up and take responsibilitiy for you lack of money management.

They only have to send one out it isnt their fault u havent updated a correct address with them. And the attorney's pay money to their employees so they dont have to deal with deadbeats. So instead of complaining just pay your bills

They can sue you because the hold the card agreement that was agreed to upon using the card. And they can sue you for debt. Its called theft if you dont pay back the money. You should reald about people getting sued, everything from garnishments to asset leins and even goin into your bank account and taking money without your permission per a judges orders. Learn the laws before you think you know them deadbeats.