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legal mediation practice

Submitted by on Sun, 04/09/2006 - 10:28
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Has any one heard of legal mediation services in flordia or know anything about them they are threatening jail time for a payday loan


These collectors are bunch of con artist. this has happen to me too, they told if i didn't pay the amount they would come to my house and work. But, anyways so i called the company the check too.and paid them off! so theyre crooks!!!


Submitted by on Wed, 11/07/2007 - 10:55

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Guys, if these @$$-clowns are using the illegal tactics you say they are; strike back! I'm not saying, and I don't think anyone else on this site is, you shouldn't pay your debts. You are, however, entitled by law to be treated with dignity and respect by Illegal Mediation Practice no matter what or how much you owe. Being unable to pay a bill is not a crime!

My suggestion is to record, if you are able to, all messages left on your answering machine by Illegal Mediation Practice. I'd be willing to bet there are already a few violations of the fdcpa on those alone. Also, if you are able to record phone conversations (check the laws in your state regarding this), be sure to record any and all you have with LMP. I'm sure you will catch some more violations of the FDCPA. Take pictures of your caller ID that have the dates, time, and phone number LMP called from. This would all be helpful evidence if you decide to sue.

Make sure you send a DV letter, and C&D if you don't want them calling you any longer, to LMP CMRRR. I'd also bet the horse you will never receive anything in writing from LMP. They are required, by law, to send written notification of the debt to you within 5 business days of the initial contact. Well, it's been months now, and I have never received anything written from LMP, just harassing phone calls after I C&D'd them. That's why I sued them.

File complaints against them with the FTC, BBB, and your state's AG's office. I cannot believe these jerks have not been shut down yet.

:twisted:

The best advice I can give is to know your rights and understand the FDCPA. Read, read, read, the FDCPA as well as the forums on this site and be armed with knowledge so you can deal with LMP. Don't ever let them scare you or intimidate you.


Submitted by FloridaRon on Wed, 11/07/2007 - 12:57

FloridaRon

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I almost forgot.

Please don't let Illegal Mediation Practice prejudiced you against people from Jacksonville, Florida. I've read of a number of shady CA's, LMP being one of them, that are based in Jacksonville. Not everyone here is like that, especially me.

:wink:

Out of curiosity, I map-quested them and drove by their office, I just wanted to see where they were located. I didn't see their name obviously listed on any door (there's probably a good reason for that) and I was afraid to pull into their location and get too close; they might think I'm stalking them and call the Po-Po. I'm sure they've had people waiting outside their doors before, given the way they treat people. The building is old and pretty shabby and run-down; they must be getting a good break on the rent. The funny thing is, they are pretty close to a Church; pretty ironic, these unholy jerks so close to a Church.


Submitted by FloridaRon on Wed, 11/07/2007 - 13:03

FloridaRon

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i had taken a loan out of allied cash advance and defaulted on the loan do to job loss and now i have these people threating me for writing a check that they sent to my acount several times and came back i was wondering can they get me for that i live in the state of arizona do you know the laws on that here?


Submitted by on Wed, 11/07/2007 - 16:00

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I got a call this morning saying i had two counts of hot checks to hire an attorney and they even gave me a case number in texas, they ruined my day but i found out it was some sort of collection agency


Submitted by on Wed, 11/14/2007 - 17:07

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im from texas too... i got a pay day loan from ace cash to pay for my divorce court... i didnt pay the loan and i got a call from Legal Mediation Practices and i was told to hire an attorney due to hot checks... during my divorce the cases against me were brought up and as a result my two kids were taken away from me... and i lost my home due to failure of payments.. I THINK THEY ARE SERIOUS..


Submitted by on Wed, 11/14/2007 - 17:14

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Pitomate,

Not to belittle your experiences; however, I'm pretty certain there is more to your story than we're getting.

If these Bozo's were going to get you for "bad checks" you would already be "got"! They're not going to call and warn you they are going to sick the po-po on you. "Yes Mr. Debtor, the police are on their way, so you wait right there!"

Right

These dumb-@$$es are violating the fdcpa by even threatening to have you arrested. Illegal Mediation Practice is probably collecting on a Pay-Day Loan, you cannot be arrested for being in debt and unable to pay; it is a civil matter and not a legal matter. You can, however, probably be arrested for writing bad checks; however, I would ask Illegal Mediation Practice to fax, or mail, copies of those checks to you so you can see them. I'd be willing to bet they would never materialize because they probably don't exist.

LMP is using every illegal tactic to get people to pay them money, and I'm certain it works for them most of the time. I had my own experience with LMP and was threatened with the Police (among other things), months later and I'm still waiting for them. I even got an attorney and was ready to sue them for multiple violations of the FDCPA. Guess what?!? They settled out of court. They probably didn't want their sorry @$$es dragged into court as they would have probably had to pay a lot more when they lost!

They are idiots and don't ever let them intimidate you. Learn, from this site and these forums, about the FDCPA and your rights. Send LMP a debt validation and cease and desist letter. I would be willing to bet the farm you will never receive anything in writing in response to your letter. That's a violation of the FDCPA right there; one to get you started. Collect them, share them with your friends, and when you have enough collected: sue the poop out of them!

I sent the DV and C&D letter to them and, months later, I'm still waiting for a written response.

I just wish I could afford to take out an advertisement on prime-time network TV and warn people about these bottom-feeding @$$-clowns! They really irritate me.


Submitted by FloridaRon on Thu, 11/15/2007 - 16:40

FloridaRon

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These people are crazy they really try to scare you with all kinds of threats i tried to offer them a partial payment and balance in a wek and they just called me names now they are called me a 6am in the morning even if a person has a just debt, things happen and i don't think anyone should be able to threaten like these people do


Submitted by on Thu, 12/06/2007 - 09:05

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Corky, record these calls. Check your state statutes to see if they can be recorded without their consent, if it needs their consent start recording and tell them that the call is being recorded and if they continue to stay on the line that it will be consenting to the recording.


Submitted by JCEMT on Thu, 12/06/2007 - 10:15

JCEMT

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I received a horrible call at work from a Nathan Brooks, Legal Mediation Practice, who threatened me giving me 3 hours to make a payment or he would use "enforcement." (Pay Day Loan) I was so shocked at what he said that I said I would have atty call him.
He yelled, "why do you need an attorney". At
that point I said "ok, serve me papers" I want
a judge to rule on this. He hung up on me. I
called them to get their address. I was left holding
for 20 minutes - I hung up and called again, got
the address of 1919 4 Blading Boulevard, jackson-
ville, FL 32210. Does not appear to be correct!

Has anyone had any dealing with them? Yes
indeed I will challenge them, and yes indeed
I belong to an organization that has atty on
staff who gives legal advice. I will follow
instructions but as near as I can tell a Mr.
Nathan Brook gave me the wrong address.

I live in VA.
[size=2][/size]


Submitted by on Fri, 12/07/2007 - 03:40

( Posts: 202330 | Credits: )


I received a horrible call at work from a Nathan Brooks, Legal Mediation Practice, who threatened me giving me 3 hours to make a payment or he would use "enforcement." (Pay Day Loan) I was so shocked at what he said that I said I would have atty call him.
He yelled, "why do you need an attorney". At
that point I said "ok, serve me papers" I want
a judge to rule on this. He hung up on me. I
called them to get their address. I was left holding
for 20 minutes - I hung up and called again, got
the address of 1919 4 Blading Boulevard, jackson-
ville, FL 32210. Does not appear to be correct!

Has anyone had any dealing with them? Yes
indeed I will challenge them, and yes indeed
I belong to an organization that has atty on
staff who gives legal advice. I will follow
instructions but as near as I can tell a Mr.
Nathan Brook gave me the wrong address.

I live in VA.
[size=2][/size]


Submitted by on Fri, 12/07/2007 - 03:40

( Posts: 202330 | Credits: )


does anyone know what can be done about filing a complaint with the better business bureau. The phone number I have is 800-201-0565. They were hateful and I was threated as well. What is the process could anyone let me know please


Submitted by on Wed, 12/12/2007 - 19:43

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I also recieved a call @ work from legal Mediation Practice and someone by the name of Mr. hall said that I had until 3:30 to make a payment or they will send someone to my home or place of business to deal with me. He didn't even give me a number to call back. I was so concerned. I plan to pay back my payday loan. but my question is has anyone had someone come to their home or job? Has anyone that owed money been arrested? just curious


Submitted by on Fri, 12/14/2007 - 10:52

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Golly! I'm off the board for a few weeks and Illegal Mediation Practice is still at it! I cannot believe they don't learn. It kind of makes me sad, though, there must not be enough people filing complaints against LMP to get anything done.

For the poster that advised LMP called them at 6 AM. That is a blatant violation of the fdcpa! I would take pictures of the caller ID with their number in it, record any messages they may have left on your answering machine (or the phone conversation if you can, check your State's laws),and then head directly to an attorney's office. Do not pass go. . . . .yadda yadda yadda.

As for the threats of someone coming to "deal with you" at work. OMG! I would so rip them a new one! See if your company has a way of recording calls that come in or retrieving voicemails you may have received from them. At the very least, they may be able to tell you how many times a day they call and give the phone number they call from. This might be helpful. Be sure to tell them, also, you are not allowed to accept personal calls at work, then follow up with at letter advising the same.

Then you need to file complaints with your State's Attorney General's Office, the Better Business Bureau, and the Federal Trade Commission. You should also get an attorney and sue them for violations of the FDCPA.

Oh, almost forgot, send them a debt validation letter and/or a Cease and Desist letter. Certified Mail Return Receipt Requested. I was so intent on going for LMP's jugular, I forgot this part.

I really wish more people would follow up with complaints to the proper organizations. Until the heat is turned up, these people are going to continue to abuse debtors. They need to be stopped!


Submitted by FloridaRon on Sat, 12/15/2007 - 11:13

FloridaRon

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Legal mediation in Jacksonville, Florida has threaten me for not sending the monies via western union or money gram. They yet have given me a name to send it to. Is this proper or not.


Submitted by on Mon, 12/17/2007 - 07:41

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Legal mediation in Jacksonville, Florida has threaten me for not sending the monies via western union or money gram. They yet have given me a name to send it to. Is this proper or not.


Submitted by on Mon, 12/17/2007 - 07:41

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No it's not, first they must provide meaningful disclosure of their identity. That includes upon request name, address, phone, and fax numbers. Also they cannot require you to use any payment medium that requires additional cost such as wire transfer or money gram. This is all covered under the Fair Debt Collection Practices Act. You have the right to simply request a company name/mailing address and send them a check/money order/cashier's check if you wish. I would suggest against sending them anything with your banking info on it. Try paying by money order or cashier's check. Also send them a validation letter (you can find a good template for it in the first link in my signature) once they provide you with the information requested you will know for certain that you are paying the right entity. Send the validation letter certified mail, return receipt requested.


Submitted by JCEMT on Mon, 12/17/2007 - 08:36

JCEMT

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One of my family members recived a call from LMP today and they threatened her as well.. The only difference is that they saiud she wroteher check on a closed account and her account wasnt closed. We closed the account about 4 months ago and the only way that the check would have came back account closed is if they tried to send it through again since LMP got their hands on it. She paied most of it back and they are trying to run the full amount back through the bank when her account is now been closed. Is that legal?


Submitted by on Thu, 12/20/2007 - 16:19

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LMP called me today and told me tha if I could not pay have of the loan off today. Then they would proceed with legal matters. Well, get in line. That is not the way to get anything on an unpaid debt.


Submitted by on Fri, 12/28/2007 - 14:54

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They called me yesterday said i had til 3 pm that day to get all the money in. Then called me saturday and said we have good news that we can help you. They are just a third party collection agency. They can not put you in jail.


Submitted by on Sat, 12/29/2007 - 12:36

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From what I have read, LMP now has 30 days to make good on their threat of proceeding with legal matters. I would be absolutely stunned if they do, as they have subjected many debtors to their "illegal matters" when in comes to collecting on a debt. They would probably lose miserably whenever attempting to sue any debtor.

Make sure you send them a debt validation letter, certified mail return receipt, and hold onto that receipt. You could also throw a "cease and desist" in that letter, letting them know you only want them communicating with you directly by mail, not third parties.

I'd be willing to bet you never hear from them again.


Submitted by FloridaRon on Sat, 12/29/2007 - 12:39

FloridaRon

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For Legal Mediation Practice complaints contact
Amy E. Sams, CFE, MBA
Economic Crime Division
Office of the Attorney General, FLORIDA
1300 Riverplace Boulevard, Suite 405
Jacksonville, Florida 32207
Tel# 904-348-2720
This about their unlawful collection practices your underlying debt is IRRELEVANT to this complaint.

For those of you living in TEXAS contact
Attorney Patrick E. 713-653-7387
He has filed a CLASS ACTION lawsuit.

For all other send LMP a debt validation letter, File a complaint with the FTC, and then contact Ms. Sams.

This information is courtesy of the DebtCollectorCounterTerrorismUnit


Submitted by on Sun, 12/30/2007 - 21:21

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you can write a letter telling them they are not to contact you at work or at home and to do so is in violation of the fair debt collections act and will be considered harrassment. Send it certified mail.
Each occurrence violating your request is ammo to build a harrassment case. They will stop calling you.


Submitted by on Wed, 01/09/2008 - 13:05

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okay, made arrangements to pay the full amount to LMP and last payment is do to come out on the 18th. I am sending letter tomorrow registered, return receipt etc. Should I go ahead and either change acct number and/or tell bank not to authorize/allow any payment for specicif amount or to the name they are using?


Submitted by on Wed, 01/09/2008 - 17:31

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Don't worry about letting them know. If the debt isn't yours the validation letter should take care of them. You might want to check your credit report to see if they have reported it. If they have dispute it with the credit reporting agencies as it is not yours. If they refuse to remove it then you can sue LMP as well as the any credit bureau that doesn't remove it.


Submitted by JCEMT on Sat, 01/12/2008 - 20:38

JCEMT

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Tell them you have something in the mail for them. Once they receive the DV letter they will have to validate first. If they contact you after you get the signature card back from the certified letter but before they provide validation, simply remind them of their legal obligation. Per fdcpa once you request validation they must cease collection activity until validation is produced.


Submitted by JCEMT on Tue, 01/15/2008 - 07:09

JCEMT

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Well they have received DV as it was delivered Jan 17th at 9:58 am! Final arranged payment was scheduled for tonight I am sure my girl will receive a call from these wads tomorrow gut feeling.
in my rush to send out DV I thnik I may have misworded, will this make a difference? I followed a template from this website but I forgot to customize to my girls situation. any thoughts?


Submitted by ezrunner24 on Fri, 01/18/2008 - 18:08

ezrunner24

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Seriously, I would be absolutely surprised if you actually receive a validation in writing from them. You have never received the first letter from them at all, have you?

Please keep us posted on what happens. I am really curious to see if they respond.


Submitted by FloridaRon on Sat, 01/19/2008 - 05:36

FloridaRon

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Yes, that's why I'm glad these forums exist and for all the people that post positively on here. It is a big help sometimes just to know you're not the only one going through a nightmare with a CA that loves to violate the law as much as Il-legal Mediation Practice appears to.

In addition to legal action, don't forget to file complaints with all the appropriate agencies: Your state's Attorney General's office, The Florida Attorney General's Office (LMP is located in Florida), The Federal Trade Commission, and the Better Business Bureau. That is, if you haven't already done so.


Submitted by FloridaRon on Sat, 01/19/2008 - 12:02

FloridaRon

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