legal mediation practice

They can not put you in jail..They're just blowing smoke.

That's correct. No one can be put to jail for defaulting on a loan. Writing bad checks could be an offense, but post dated checks are not counted as bad check. Relax and think some way to get out of the loan.

Legal mediation practice in florida has called me and threatened me with everthing from jail to fraud conviction and gave me a 5:00 pm deadline to pay them in full would not accept a payment arrangment. They would not tell me much of anything i ask what firm it was and the only answer i got was legel mediation practice terry glenn was very hostile and nasty to me he is supposed to be one of the partners and brenda martin said she was his supervisor these people don't know the truth i want the name so i can report them to the bbb

CATHERINE205,

In which state are you living? Check the laws in your state and see if you can record the phone calls without informing the other party. If it's permissible to do the recording secretly, call the company and ask them to send you the details of the account in writing. It is your legal right to know the details of the debt and you must review it before making the payments. Once you have said, their illegal tactics will get recorded in the phone conversation and you can present it to your lawyer for pressing charges against them.

they called me back in March I sent the validation letter and have yet to hear back. They told me the same thing too! Fraud and jail

They can't put you in jail.

Maybe you should pay back loans and then you won't get phone calls. This is too funny. I would think if you gave someone a check for a loan and it was a bad check then it could be fraud. So, seriously can people run around to those places and give them all bad checks and the business gives them money for them?

Interesting but related in what way? We aren't taking about poor people in debt. We are talking about people exchanging a check for cold hard cash and the check is worthless. Do the laws apply to only the payday loans or can people go to the electric company, grocery and buy cars with bad checks and then they are free and wealthier? Just curious about this new check scam for cash? How do the payday places stay in business when they take checks?

And someone please tell me what a validation letter is please.

Validation letter or legally known as debt validation is the method of identifying a collection agency making legitimate collections. Many CA's often contact people without having any accurate account details of the consumers. In most cases, they try to make money in an illegal way.

At this point, debt validation is the best legal way by which you can get the accurate details of the debt from the third party collector. They must give you the details about the original creditor for which they are collecting. Besides, the collection agency has to be licensed in the state and it should also be put in writing. The federal government has forced this law in order to protect people from sending money to wrong business practitioners.

Is the the phone # 940-356-0887 they called me and said the same thing. I was being charged with bank fraud and something else. and I had until the next day to pay off the loans. When I called back they would not tell me who they were and were very nasty to me. I then called back the next day and asked who they were again and they would not tell me anything other they were going to call the payday loan company and tell them that I was not going to pay them back and to start legal action against me in Oklahoma I then told the lady that they could not take criminal action action against me in the state of Oklahoma then the story changed to were ever the payday loan company was. I then contacted the FTC and oklahoma department of consumer credit and file a complaint. When these people do this you have to contact the FTC because they need a lot of people to complain so they can go after these people. They will not just do it if one person complains.

I got a call about a payday loan and they said the same exact thing and the number was similar to th 940.....

I plan to pay it off but at the first of next month. They threaten to come to my job and jail time also.

Just how does this process work, they want payment today by 6:30pm and I don't have the money. What is their next steps???

Hi looking4answers

Don't tense yourself from all the threats. They are illegal as per the fdcpa laws. You must send debt validation letters to the company and request the details of the accounts first. You have the legal rights to refuse payments till the accounts have not been placed to you in writing.

I guess you addressed similar queries at other threads also. You can catch a look for more info.

Hi John,

Yes I did start another thread, I didn't want to "highjack" the other persons. thanks for your response.

I tried to verify their address that another person posted and they would not tell me.

What is the fdcpa?

Hi looking4answers

No worries. Feel free to browse and post your comments at any thread in this forum.

fdcpa is the legal weapon used by the consumers against the shady collection agencies. Many CAs practice wrong and perhaps illegal collections on the consumers. They try to make money from the people by using scare tactics and misrepresenting the accounts. The federal government gives the legal powers to the consumers and educates how to deal with such business.

Have a look at the page below. You will educate yourself with the laws forced on the CAs.

https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text

When they contacted me they told me the same thing that I was going to jail and I had better pay. What I checked my state laws on payday loans and it says that they can't file criminal charges in the state of Oklahoma on me I told the lady that and she said that they would do it where the payday loan company is at. I called the ftc and reported the I am not sure of there correct name but I do have their phone # and he said that if enough people call in then they will go after them but they cannot do anything for just one person. Try to get there name and address (if you are dealing with the same company I am they won't give it to you)

internet search shows them as (cut and paste) "Legal Mediation Practices
1919 Blanding Blvd # 10, Jacksonville, FL
(904) 387-3187" not area code 940. Research shows they are a collection agency just like any other. They use the name to scare people. All they can do is ask you to pay it. They collect money and that is all they can do.

Also, I can't find anything saying a person could go to jail. It following seems to be the worse that could happen. "After You Get a Payday Loan

What if the unexpected happens and you cannot pay off your payday loan on the maturity date? Contact the payday loan lender regarding repayment options. Most payday loan lenders are flexible, and offer different options or rollovers on the loan amount. You should be prepared to pay the initial fee again, however. Try to pay back the fee and as much of the principal as possible.

The most important rule of all: do not default on the payday loan! If you default it can cause many sets of problems for you, like extra NSF fees from both your bank when the payments bounce and as specified in your contract with the payday loan or cash advance company. The payday loan company may also send your account to a third party collections agency, which could be very detrimental to your long term credit options. In addition, your default will be reported to consumer credit agencies that can make it impossible for you to obtain another payday loan or even open a new checking account in the future. As a last resort some lenders will take defaulting clients to court and sue them. (Also, I don't think a collection company will sue you for such a small amount of money. Ask the person if they are an attorney. Ask for the attorney and make the person state they "are an ATTORNEY"

I also read someone there stated they are a supervisor and partner? A partner of what? Make them say the are an "ATTORNEY" because they are not. They are a collection company.

Duplicate content removed as per forum rules - Mike

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

Duplicate Content removed as per forums rules - Mike


http://www.ftc.gov/

Good show! This sums up everything about consumer's rights! Also, I just had to say that if Legal Mediation breaks the law so much, they should change thier company name in order to be politically correct.

Duplicate Content removed as per forums rules - Mike

copy and past the link:

http://www.paydayloaninfo.org/

Hey everyone,

I took off from work a few days, had to get my head together, etc.

I thank EVERYONE from the bottom on my heart because these people stressed me out. I did send them a certified letter of verification that I got off this site. I got their address from another post.

I received my paydayloan from Ace Check Cashing and thier policy is pay back the entire loan and fees and get another loan for either the same amount or more or less. They do not do payment arrangements and neither does the LMP.

I will be paying off this loan in 2 weeks and I NEVER want to see another payday loan again in life, my new motto is "if you can afford to pay the pdl folks back in 2 weeks, you can afford to wait those 2 weeks for whatever you needed the money for in the first place and save those extra $$$$ for something else"

That collection company will take whatever you send to them and they will accept a payment plan if you refuse to pay it all upfront. That would also mean that you will have to deal with them alittle longer than planned. I know someone who did a payment plan with them. Does anyone else?

My name is J.M. Carter and I live in VA. I had a payday loan that i defaulted on. I was contacted by Legal Mediation Practices and they threatened everthing from location and prosecution for bank fraud to Jail time even after I tried to make payment arrangements.

I contacted the lender and and collection agency after a day of talking and being terrified of what they threatened because I did not know any better. Once I found out what my rights are I sent a letter as I stated to both the lender and collector demanding satifaction.

The lender's attorney called me and they have written off the loan, forgave it. I am have since filed a suite against Legal Mediation Practices for violation of fdcpa and other very serious violations of law.

I am writing this to ask if you would be willing to discuss your experiences with me concerning this matter to help stop this company from doing this to others. Please feel free to email me at, [color=red]Email address removed as per forum rules - Mike[/color]. Please know this....I am NOT an attorney nor do i represent one. I am a consumer just like you. I had a hard time and needed cash to take care of it. Yes I intened to pay the loan back as I do not believe in being given anything. But when someone blatently breaks the law, that person or entity should be stopped.

Thank you all and find out what your rights are immediately when contacted. And make sure you document EVERYTHING. Names, dates, times, conversations word for word.

Jeff.

Correction to my last post, and an apology for breaking forum protocol. Anyone needing information from me...feel free to post your question of concern here and I will answer it.

These nasty people contacted me at work today and told me the same thing about coming to my work to "embarrass" me.They also told me I was being charged with fraud and that I would go to jail. I am a good hardworking person who is having a very hard time right now, which is why I needed the payday loan. I understand the people who say you need to pay your debts and I agree, but try and be more understanding, you dont know peoples personal situations and you obviously have no understanding. I lost my purse the day my payday loan was due and I had the cash to pay that loan in that purse. Shit happens.There are worse people than those who dont or cant pay their payday loans. Losing a purse, for those of you who never have, is like losing part of your life. You have to run around for weeks, sometimes even months to get back the things taken from you, and the payday loan companies arent hurting that much when they have a 319% interest rate.
There are much worse people who belong in jail than people who cant payback a loan.

What is the FTC by the way?? I'd like to contact them also.

FTC stands for Federal Trade Commission. Once you file a complaint with them, they compile all the complaints together and once they have enough complaints they will take action. Also, once you file a complaint, you can go in and update the complaint as needed.

I would be willing to help you out. I hope you get all these lying jerks have to give. I have already paid my loan back since they scared the shit out of me while I was working, I had to borrow a little from a few good friends, but now I feel like a mooch. I try to be responsible with all of my credit ventures, but sometimes things happen whereas a person cannot pay the amount they ask for within like 3 hours, I think they gave me. I wish I had found this site sooner and looked at my rights. You do whatever you have to do jeff to stick it to them!!

DD. I plan to make sure that enough noise is made that this slows down and eventually stops. Don't get me wrong, I do not say that anyone should not pay back a loan, but when the line is crossed, then action is required. What's funny is that there is a line in the Constitiation that kind of addresses this. It says that when a wrong is observed that it is your DUTY to take actioin. And though I am paraphrasing, the meaning is the same. Please let me know if you would be willing to provide some info to me to assist in this case.

Thanks

Draavyn

I forgot to use my real name...jeff. And DD, please see my profile and leave a message with your contact info. Thanks again.

jeff

Its the CA's DUTY to correct all u debtor's wrongs... u guys go months w/o paying it back and the p-day loan companies often wait to send the debts out just to help u guys out, I am in the business in some way(not telling how).. but its insane how u can gripe about a CA using scare tactics to get the clients money back. YOU WONT PAY IT OTHERWISE! Pay it back when its due and there are no worries. And yes there are civil penalties for doing these loans and defaulting on them, read ur contract!

Hay laughing dude! Where in the contract does it say that they can be arrestedf and sent to prison for defaulting? could you clarify that for me since you seem to know what you're talking about?

Ha Ha...I find it pathetic that you stand on your ridiculous beliefs about other peoples situation of which you know nothing about. I find it typical that you hide behind anonymity instead of telling who you really are...but being part of the rampant problem with collection agencies, perhaps cowardice is what they teach you. Perhaps if the collector did their job in way the law requires, these forums would not exist. So my advice to you is this, Get a REAL JOB, and take some of that money you seem to have from the pretend job you have and buy a REAL PERSONALITY. Perhaps if you do that you will have a REAL LIFE.

I have a profile here if you would like to continue this "discussion". However, since an adult discussion requires some intelligence, you may be out of your league.

Cheers.

jeff

Nicely done Jeff! He's not a real collector anyway! I used to be a real collector, and collections is all about serving our clients with professionalism, and approaching each debtor with an open mind in order to help them find a resolution that benefits all three parties, the creditor, the debtor, and the collector. it is very possible for a collector to restore the confidence of a debtor. I would know, I've done it!

I appreciate that. I have dealt with negotiating with clients and yes it is all about approaching them not only with an open mind, but in the same way or better that how you would like to be approached on this matter. I feel laughing boy, as he does not merit the term man, is a coward and part of the problem.

Thanks again.

jeff

You're very welcome. It is my pleasure to be of assistance anywhere in this forum. Especially when these sore losers come in. Collecting payday loans is a dead end nightmare and is very unprofessional. This person has met his final destination. Provided he doesn't break the law too much and get himself fired, sued, or both.

All of these complaints are illegal. I am a legal assistant who specializes in collections. You all have rights even though you owe money. The law states make the representation or implication that non payment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment attachment , or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intents to take such action. Check your local laws but I am 99.9% sure that you cannot go to jail for taking out a payday loan. If that was the case wouldn't people who defaulted on their home mortgage loans go to jail. That is allot more money that a payday loan. Anyways I am all for paying what is due but am totally against these companies that use illegal practices to collect a debt. Totally unprofessional. Technically they cannot even say they are going to take legal action againgist you unless that is what they are going to do.

Oh, and you can also file a complaint against them yourself.

Here everyone I did some homework and found the Company's exects name and email plus additional phone #s so you can call directly I'm going to give him a piece of my mind!

Robert Femekes
Legal Media Practice, Florida
robfemekes(at)bellsouth.net
904-387-3187 And 904-854-9447

Thanks for the tips, this was just on National news the past week about these type of Boiler room businesses that prey on people.

Yes, everyone does make mistakes and owes or gets into financial trouble.

I've read many of the messages re:overdue payday loans and the lmp people who call , but can someone tell me what i should do right now.? I had a emergancy and was working ,never had needed nor applied and recieved a payday loan. So i get it pay it ,then get it out again , i lose my job. I called that same day i loosde job, they say since loan not due yet (2 days to soon)call back, i call that due day,they say to call and speak to collection agency, i do that only to be told to soon let check be deposited ext.... I am very nervous to call back, now 4 -5 months has gone by, i have not spoken to any of the hundreds of people calling ,at all, i'm so unsure what to do ,i need to know what steps i should do ,now.?

What's funny about the whole thing is that when I didn't meet the deadline that was given to me the first call, the guy, who was very rude on the first phone call, called me today to see what we could work out. He gave me till 4:00 today and even suggested I borrow it from a friend or family member or have them put it on a debit or credit card. ILLEGAL. It does pay to know the laws. They are not allowed to threaten you with jail or legal actions. They are not even in the position to take legal action, the original debtor has to take that action. I plan on going directly to the place I received the loan from and talking to them. You do not HAVE to deal with the collection agency. Bottom line is they want their money.

I have an outstanding loan w/a payday company. I thought we had an agreement for payment. Apparently not, today, I received a hostile threatening call from Legal Mediator Practice threatening to contact my employer or sue me if the total amount of the payment is not money gram'd to them by 3:00 pm today.

The person would not provide me with a mailing address, or any info concerning this loan. What recourse do I have?

Im just another guy who had to pay this company but the facts are the facts. If you borrow the money, pay it back and you will never be in this situation. True or false? You took the cash with a bogus check right? Well who's to blame for your discomfort? If you pay you have no worries.

I do know that they have sued people in my town and won both cases that I know of. Its better to just settle this thing in my opinion! Im not defending them, im just using moral logic. Do the right thing and you will have no worries!!!!

they have threatened me with intent to defraud and I do not want to lose my state job. That payday loan was being paid on in the office and they still turned it over to collections.

They shouldnt be calling me at my job...right? I will pay them but i dont know when.