dominion law associates - anyone have any information on dominion law associates?

This company is a debt collection company as well as a law firm.  They can and will take you to court to obtain judgment as well garnish your wages/and or bank account.  Ask for validation, then if validated make payment arrangements or offer a settlement amount, they are usually quick to take them.

OK I ended up finding it out by accident when it came up under one of the employees myspace page as a company she works for.

pendercoward.com

Go to that site and look up the attorney profiles and look for the name David L. Horne.

You will find that he is president of Dominion Law Associates. They are running multiple companies under the name of pendercoward.com

Hope this helps.

Dominion Law Associate is another collection agency with the name to make it look professional. Hence, you have no reason to deal with them other way. Just send them the DV letter and don't commit to pay the amount stated in the letter before you receive the proper debt validation.

It seems one of their many scares tactics to impress you with the name of a law farm and force you to pay the debt in their own terms. I hate to say this but the sites are pretty littered with the stories of their malpractices.

I'd rather suggest that if you have the luck contact the original creditor directly and try to settle it down with them.

Have you ever had an account with Midland Funding? if you have the contact number of the original creditor, you can then try to find out about the account.

Let us know what happens with the DV letter.

I recieved a e-mail from a women in greece and she wants me to handle her fortune when she dies.She has 20 million plus. She has referred me to her lawyers, Dominion Law Offices. Of course I do not believe this story, but am also looking for some info on them. As far as I can tell so far, I think they are just tring to scam people. BEWARE!

yea I received a phone call regarding a credit card that im having problems paying off. These idiots are a collection agency and they threatened to take me to court. Never heard of a collection agency doing that. If I dont have the money right now, they cant squeeze bolld from a stone.

What is a DV letter? I got one of those notices too.

DV letter is "debt validation" there are sample on this forum. Simply type in DV letter in the search engine at the top of the page.

These people have lied and harrassed me to no end. I paid off a rather large credit card as agreed. The smaller one was set up to be paid in the same manner. I signed and returned the authorization. They said they never received it and garnished our checking account. I faxed them a copy. they refused to accept that. I have never disputed that we had financial difficulties at that time. We have worked hard to pay all of our bills. As I said, I paid off the larger debt first and even overpaid it and was issued a refund. Why would they do this?? I've never ever been treated this way. They are underhanded and unethical

they buy these accounts that have been charged off by the orginal creditor .. and try to collect the full amount. when or they have not paid anything for them .. nor should the state or federal law allow them to collect on a debit that the creditor has received a tax credit on ,that has been charged off.. this company like others need to have a class action law suit brought against them immediately!!!!

I have been dealing with this firm for well over a month now. I set up payment arrangements with them and requested that they send me writted correspondence they are in acceptance of these arrangements and they refuse to do this. I have also sent them a certified letter requesting this letter as well as all future correspondence be done via mail but they continue to call me. The represenative I recently spoke with stated to me that they do not have to abide by my wishes and can continue to call me as much as they would like. They are horrible to deal with! They use the payments tactic to get you to send them a portion of money then they turn around and file for a judgement against you for the original amount plus attorney's fees working whatever payments you have set to them into the attorney's fees. I have seen numerous reports of this on other sites. Someone needs to file a suit against them or report the attorney running this firm to the bar association.

You could file suit against them for calling you when a Cease & Desist is in effect. Next time they call tell them you are done messing with them and will be filing suit against them for violating your rights. You should also DV them and tell them that since they act like an unlawful business you want to be sure they are even authorized to collect and that they are collecting the right amount and further, after they properly validate you want all agreements in writing or no payments will be forthcoming.

I am here to warn everyone to beware. They will take you to court. And if you do not show up or make arrangements to pay, they will collect their money. They processed a garnishment on my account after I paid the debt. Here it is 2 weeks later, and the garnishment is still there and no one has an answer of when it will be fixed. They tell you that no one can speak with their garnishment department. I have tried to be patient but I am at my wits end so I will be going to my Attorney General or local congressman immediately. I cant take this anymore. I am so frustrated because not only am I the one getting stuck with all these returned check fees because they have this hold on my account, but companies are charging their returned fees also. Not to mention the 125.00 fee the bank charges for processing the garnishment. All this was done a shortly before Christmas, it's unbelievable how these people do business. If I had the time and money, I would so file a class action suit against them because I feel they are completely unethical and misleading. So anyone who thinks they can simply ignore this company, DO NOT IGNORE THEM! Please stay on top of everything so you dont end up like me, with a garnishment on your bank account for a debt that you have ALREADY PAID!

I received a letter from Dominion Law Associates also from December 2008 a about a judgement for $1,146 and it lists a creditor name of an Asset Acceptance group. I do not know what this is about as it has my old married name on it. It is a summons to appear in court, which the lawyers are from Virginia Beach, so I am not traveling all the way there from SW Virginia. They sent me a questionnare form to fill out. When trying to call them, I am on hold listening to this music for over 30 minutes with no one answering.

They have to file suit in the county where you live.

K Thompson--

yes, thats right, they must file either where you live now, or where the debt originated. I would first check to see if the summons is for a valid lawsuit--the court clerk's office where they claimed to have filed this case can verify that for you.

I am a bit confused about your post--you said they got a judgment against you according to the letter, but now this is a summons to appear in court? is that right? Something's not quite right there. First, if they got a judgment against you and you didnt even know about it until that letter came, then they broke the law right there. you can try to have that judgment vacated, you will need to file an order to show cause where that judgment occurred, and request that the court vacate the judgment due to improper service. the fact that it has your old married name on it leads me to believe that they tried to serve you at an old address....a lot of debt collectors do that on purpose because:

1--they know they wont actually find you there, so you wont show up for court.
2--they can still claim to the court that they served you.

They do that so they can get a default judgment against you. It is not legal, but most people dont know their rights under the law, so once they get that judgment, the average person doesnt know enough to fight it.

I received a letter as well collecting a credit card debt, that Midland funding llc originally had. This is the kicker I was making payments on the account with Midland set at 134.00 per month to pay off in 12 months. I lost my job in August 2008 I have been on unemployment since then. I contacted Midland Funding told them what happened and originally agreed to accept a lesser amount of 50.00 per month after accepting two months of payments, I received a letter from Midland stating that they could no longer accept the 50.00 per month and that I would have to increase the amount per month. I contacted them by phone spoke to my representative, she stated that I would have to do better that 50.00 per month that they would not accept that amount no longer. i informed her that you can not take blood from a Turnip and this would be all that I could do. The next month I deducted the 50.00 Payment from my checking account(this was setup on ACH) but it never came out of my account. I never heard another word until Dominion Law Offices sent me a letter I received this month January 2009. I called them spoke to a young lady who is very scripted who informed me that I would have to pay 225.00 per month that anything less than would not be acceptable. I told her that I could not pay that at this time i would how ever send the 50.00 per month until I went back to work, she said I could send it and that they would credit my account, but they would be moving forward with a law suit on me in the county were I lived in SW Virginia. I hung up on her before I said something I would regret. I have now filed a complaint with the FTC online and also sending a request to them for validation of the debt. Also I have found out that in the state of Virginia if it is a credit card debt, that there is no legal action on collection after 3 years from the date the original creditor wrote the debt off. So check into your state laws they maybe violating them which can impose in the state of Virginia 1000.00 in fines and up to 12 months in jail and opens them for a law suit of there own.

Looks like a scam to me..... not really sure, They say I owe my doctor $15.00.
I see my doctor almost monthly and there was never mention of this debt.
I last saw my doc. last Monday. I made my co-pay and no mention of a $15.00 debt.

SHOW YOUR FACES, DOMINION LAW !!!!

You bloodsuckers. You do not have one ounce of compassion. But, as you should know, you can't get blood from a turnip and you cannot garnish unreported employers.

Long story short, DLA will throw frivolous lawsuits against Authorized Users of bad credit card debt where the user in fact never used the card nor signed a written agreement with the company (in fact the original CC which they filed suit over is still in possession and unsigned...). As I have come to find out with a few consultations with local lawyers......these lawsuits are simply frivolous and open to counter suit for harassment ;). You see when a company files suit against someone without a valid reason, contract, proof of debt, or any evidence whatsoever the suit has been made for the sole purpose of harassment according to multiple lawyers. You CAN and SHOULD press a counter suit against DLA if you too find yourself in this situation. My lawyer is even working the case for free and just collecting on the settlement. Remember to fight these scum at their own level. I have already filed complaints with BOTH the Virginia Bar and North Carolina Bar against T. Camille French and have been contacted by both bars requesting further information along with asking me to come to a future case hearing. I actually dislike this firm enough to drive to another state. They are dirty, unethical, and unprofessional. Stand up for your rights and file a counter suit where they have violated your rights. In California a lady recently won 500K in a settlement for similar bad practice.

FIGHT THEM!

Dominion Law Associates kept on calling me, too. They took me to court and the judge said for me to pay it even throught I am on SSI and can't afford to pay so I sent them two checks for $5.00 each and I asked them to send me a statement showing that they recieved the payments and so I counld send in my next payment and they said, " They do not send out a statement every month so you just have to keep up with how much you owe each month and guess at when it is paid off." I think this is a bad way of conducting business and there should be a law against any company doing that.

Guest, your SSI is supposed to be exempt from a judgement.

If you are on SSI or other exempt income, PAY THEM NOTHING!!! I do not care if the judge tells you to, tell the judge NO. Tell the judge you are on SSI. If they try anything, you can have an attorney on the judge as well as anyone else who gets in on it.

All I have to say is I was a Legal Assistant for Dominion Law, and I would advise all of you to seek legal advice because you are not getting very good advice here..... Dominion Law is a Law Firm & Debt Collection Agency. If the debt collectors could not get payments from you then the send it up the chain for us to file suit as long as the account was within legal limits to proceed with a law suit.

I am in agreeance they will put a judgement against you. I have one on my credit report. The debt is old and then they wanted me to pay them. I made 8 months of payments to them and they stopped withdrawing money without telling me that after every 8 months I had to restablish the debt payment. I called them a few weeks a go and they were suppose to sent me a letter of what they would accept and I have not received one as of yet. I need to pay it or have it removed from my credit in order to purchase a house but I will take and print some of your responses out to see if I should try to pay them or leave it alone. I even tried to call them today but no answer. MUSIC, MUSIC, and more Music is all I received.

Thanks, HELP ME!

Dominion law started sending me letters about an old hospital bill. If it makes a difference, it was coming addressed to Paula and my husband's name is Paul. Months later they still haven't changed that. They threatened to take him to court on 12/30/08 but I got a payment arrangement. AFTER I made the arrangement, I started getting NASTY letters saying "you can ignore this for 30 years and it won't go away". I made that first payment and the second wasn't even due!! Then I have Pender and Coward )I see from someone else is also them) calling me. Since I pay the bills and my husband hates the phone I handle everything. Anyway there is NO way there can be a judgement against him since I made a payment that day and made an arrangement. Then this Pander and Coward sent me a summons in the mail! I KNOW that is not legal. I have all of the letters and I am about ready to just talk to a lawyer with a brain. I can't AFFORD one but these people cannot garnish my husbands wages either - which they still threaten to do , again, AFTER i made the payment arrangement and made the first payment 12/29 when I spoke to some woman there - who, like someone else said, sounded scripted. I gave it no thought when the bills came as I get other peoples mail all the time. It said PAULA so I was returning the bills. Then these goofballs ended up with it. $550.00 later, I, too, would rather deal with the hospital directly. IF it was written off, I don't think I should have to pay it. I'm sure I can (and I reccommend you all do) find a lawyer that offers a free consultation. Bring everything with you. Also - I am on Social Security Disability, but the bill is in my husband's name even though the phone calls ask for Paula and the mail is addressed to Paula after I have told them numerous times it is NOT Paula, it's PAUL. (the morons!) I hate them. I was totally surprised to find this site and see that they are insane animals. OH and I did try to call them back today as I missed their call..and ALL I got too for 20 min till I gave up was MUSIC and more music. They're nuts. Again, check your yellow pages for an Atty. who offers free consultations and I also will be asking about suing them for harassment. One letter I have is HORRIBLE! Maybe it can be me to start that Class Action suit for ALL of us!! Take care!

dominion law are bad people

To the legal Assistant: Actually people have been getting very good advice. Even if a lawyer gets the account to sue on, they had better not sue on it before it is properly validated. And if they do, they would HAVE to cough up the proof in Discovery or it WILL be dismissed. Now you should know that, else you need to go back to school and not sleep in class this time.

I am also dealing with Dominion on a Capital One account from 2001 that I am pretty sure I never even opened. There is a judgement against me in NY(where I lived) from 2004. I called today to try and settle a lump sum and monthly payment and was told that it was unacceptable and they will continue to pursue legal action against me. I'm in NC and was wondering if they can come after my soon to be wife with legal action if the house is in her name and has been well before we met.

I made arrangments with Dominion law on a hospital bill I owed. I paid them $50.00 a month. I never missed a payment, but after about 6 months they sent me a warrant in debt, with no notice they were going to do so. so be aware if they tell you they will let you make payments.

I made arrangments with Dominion law on a hospital bill I owed. I paid them $50.00 a month. I never missed a payment, but after about 6 months they sent me a warrant in debt, with no notice they were going to do so. so be aware if they tell you they will let you make payments.

Since I wrote my last post, Dominion Law sent me the yellow copy of a Garnishment Summons, froze over $800 in our bank account in May, and we are due to go to court on Monday. Something for you to do: I called the Consumer Alliance Group, oye, it's Consumers something.. I THINK that's who it is - if not I will update that ASAP for you all. They have attorneys who will work for you depending on your case and if they take your case (as they did mine!) it is totally FREE!! There are some details I cannot disclose because this is all in the works, but Dominion Law pulled a great BIGGG mistake - Unfair collection practice and unfair business practices. The lawyer is in this state and he is coming here to go to court with us when we go. He told me that with our income and my being on Social Security Disability and the way Dominion Law did the unfair practice, they will be paying us. Thank God I saved EVERY letter and all from them. I don't know why, something told me to (God watching over me I guess :) but I saved everything from them. We're almost ready for court. We have to do one thing tomorrow that I cannot, again, say anything about yet but I will update again when we are done with those monsters. To the man who asked, YES they will take you to court BUT..be SURE that everything they do is RIGHT. If you have any questions, --Tell you what - I cannot remember that exact name but they had a ton of Lemon law info there - If you are in VA, Google Lemon Law and the name of the place you want is Consumers law Group or something along that line.... I wish I remembered but that is where the free lawyer is who is going to help me. I guess Dominion is expected to pay my legal fees and court fees because of the major error my attorney found. When they froze money in our bank account, the ONLY money in there was my Social Security Disability and that's illegal, I know, and that was also my rent. We've struggled worse since then so I look forward to court and see what this lawyer does to help us. I'll update soon since the court date is this coming week but waiting to see what my lawyer has up his sleeve AND I will report back with the CORRECT name of the site to find someone to help you. I BELIEVE they also help states around VA as well as VA...I'll let yas know. Please keep your fingers crossed for us.. I don't want to deal with those Dominion morons anymore and I cannot wait till it is OVER! I also thank God that lawyer DID accept my case. Take care and don't let the idiots wear you down!!
To the girl who posted above me, if you were making your payments on time and you still got that Warrant in Debt..that is UNFAIR Business Practices.. consult an attorney. Many have free consultations...I was told that you can sue for damages for that even if you are not hurt!! Call a lawyer!! have your receipts ready and any paperwork, letters, etc from Dominion Law. AMAZING! They're supposedly lawyers and they are total screw ups!! Also report them to the Bar Association in your state. I will be and I KNOW I am not the first and I won't be the last to do so. maybe sooner or later someone will be losing their licence!!!!

The lawyer who is helping me , I found at ConsumerLawGroup.com They do NOT mess around with the likes of Dominion Law and their unfair business practtices. As I told you, the lawyer took my case with DLA and for FREE. Try the website and check it out!!! I told yas I'd let yas know the correct place :)

Excellent! Plus, if it causes you problems paying rent and getting a late fee, you can add those damages to an FDCPA lawsuit. The FDCPA also has provisions for court costs and attorney fees, so your lawyer isn't quite *free*, he will be paid by Dominion. And he will also teach them that a lawyer is supposed to KNOW and FOLLOW the LAW!! (Funny how these collection agency "law firms" seem to have slept during the class about the FDCPA - one of the simplest laws ever written, methinks...)

Guest above - if you are sure you never opened the account then don't pay them a dime! Let them sue! File a Motion for Discovery which requires them to prove it is yours, and if they cannot, then bye bye lawsuit! Then you can turn around and countersue them for persecuting you for a debt that isn't yours!

I have a read ALL of the above stories and can't believe that these people are cruel. They garnished my wages when I was making a payment of $100 a month and told me that was not enough and took over $600 per month from me for 5 months. I was behind on all of my bills and still have not caught up. I have another account with them in which I made arrangements to pay them $150.00 per month. They told me that I need to increase IF I could in 6 months, but I told them that was all that I could afford right now. I am so affraid of what they might do...Can someone help me??? I am right the same area where these people are located.

First I would like to thank all of you for writting your letters it helps to know I am not alone. We also got a letter from this company. In it they say "as you are aware a judgment has been enter against you in the above matter. which back in Dec, Capitol one did get a judgment against us. now they are saying that they are going to issue a summons for us to appear in court to answer question regarding are assets which I thought we covered the first time with capital one Does anyone have and Idea if this is legal

Call your county court and verify with them.

they are greedddy people.... cant even log into their site to pay but by god they call u an demand their money

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I got a letter from Dominion Associates recently and yes, I was initially afraid. But Unclewulf is absolutely correct: defend yourself. I decided I could sit and do nothing and wait for them to seek a judgement, or I could act.

So I did my homework. I sent them a letter asking them to validate the debt, and waited for them to reply. In the meantime, they did send me a letter asking to set up a payment plan, which I ignored.

The reason I ignored this letter was because, in the course of my research, I found out that open-ended debts (including credit card debts) have a statute of limitations, which varies from state to state. As it turns out, Virginia has a pretty lenient code for consumers, which sets that time as three years from the last date of payment. However, if a consumer makes a payment on the debt, or even acknowledges that they owe it, it will start the clock running from zero and give the debt collector a great position, from which they can seek a judgement. Dominion Associates isn't doing you any favors by trying to "work" with you to set up a payment plan - they want you to be scared, unaware of your rights and willing to make a monthly payment so that you forfeit your right to contest a time-barred debt.

So if you get a letter from these people, make them validate the debt and prove that it is not past the statute of limitations, and do not claim that you owe the debt until it is clear that you have no other recourse. It is even possible that they cannot properly validate the debt, as all I received was a letter from them with the amount owed, the account number, what the debt was for, etc.

Also, treat them as a bill collector, and do not speak with them on the phone. Having done my homework, I will say that there is no reason ever to deal with a debt collector on the phone. They are fishing for you to say something they could use when seeking a judgement - don't provide them with the ammunition. Deal with them via certified mail and if you aren't comfortable with the process get a lawyer to do it for you.

Hope this helps!

Hi, got a DLA notice today myself! Ooooooooh I'm sooooo scared! It's a 'LAW FIRM' !! I'm under my bed now, shaking!.....NOT.

I've heard two things in this thread about statutes on credit card debt in Virginia that are conflicting.

One says the clock starts ticking when the original creditor charges off the debt.

The other stated the clock starts ticking the date of last payment by the consumer, I'm assuming, to the creditor.

Does anyone know definitively on this what it is?

Thanks in advance;

This website for a reputable Consumer Law Agency here in Virginia has this on their website.

http://www.theconsumerlawgroup.com/faqs/what-are-the-statutes-of-limitation-on-a-debt.cfm

Thanks, that was very helpful. So by that either last payment or charge/usage of the card. The Judgment time period is brutal though at 10 years, then renewable to 20. So...if they get a judgment locked in on your before that 3 year period they can keep coming at you through the courts, garnishments etc. I'm assuming,

THESE PEOPLE REPRESENT CAPITAL ONE CREDIT CARD AND THEY HAD ME SERVED WITH A SUMMONS (BY THE LOCAL SHERRIFFS DEPT) TO APPEAR IN COURT, THE MAN SERVING IT SAID THAT FROM THE PAPER WORK IT WAS A 'CIVIAL SUMMONS' AND THAT I WAS BEING SUED IN (VIA-THRU MY LOCAL COUNTY COURTS) once they get you they most always win, if you have alot of credit card debt you may want to look into chapter 7 bankruptcy, or 13 if you intend on paying any back,
they may be able to garnish your wages, or i have heard stories of freezing your bank accts, keep your money out of your accts if possible,

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I am also battling this company. They filed an action in VIrginia Court and when I appeared at the status hearing and disputed this claim a court date was set. Before I was scheduled to file an answer, they made a motion to the court for a nonsuit. They advised that I did not have to appear on the scheduled court date, however, I did so anyway, in order to obtain a copy of the order. Now, almost a month later, they are starting to call me again on the phone. Something needs to be done against this company.

Dominion served me a warrant of debt. I sent a DV immediately after receiving the warrant. This was my first encounter with them. The didn't provide the DV. I appearded in court and the judge order a bill of particulars. They didn't provide that either. Going back to court soon, we will see the out come. Have filed a complaint with the FTC.

Wow this is unreal, I also rec'd a letter from Dominion Law Associates, I had been trying to get in touch with them regarding a credit card bill in the amount of 2,000 and something. I faxed my account numbers to them, but I am going to the bank to close my accounts today after reading all of this. I am about to file bankruptcy.

Why doesn't anyone report this to the BETTER BUSINESS BUREAU, The BBB has given these people a rating of B. They're noted for doing a good job. They need to be reported

Well I received one of these infamous letters in the mail today. Mine says they will be proceeding with legal actions against me but I have the opportunity to resolve this before a suit is filed. This is an old trade school student loan that I defaulted on well over 6 years ago and have had it removed from my credit report over 4 years ago but after I found this thread and it scares the crap out of me so I think Im going to consult a lawyer on this matter. I'll keep you all posted.