Marcadis & Associates Law Firm

Thanks for that! I live in Florida and am very concerned about people like this. We finally are bringing down Bass and now we have a new bottom feeder. What does Bud say about them?

I just recently gave information to Bud. I'm sure he will look into it and any other complaints he may have received about them. It's not surprising that a new one would show up, given that so many of the other ones are being sued themselves for violations. It's the old story. If you run into one like this, just cover your bases. They can ignore DV's until you bring them to court. They have to validate. It's the law.

Another one that has turned up recently is Smith Haynes & Watson. They collest for illegal IPDLs like East Side lenders and use the same threatening "send the money in one hour or we will have you arrested" routine as Ellis Crosby and Bass Associates. They apparently are also in Jacksonville. I emailed Bud about them but he said he has not heard of them but requested more information.

This is pure weirdness. Check out this thread about calls Marcadis is making. (Some of the reports are mistakenly listed as coming from Martinez & Assoc.):

http://800notes.com/Phone.aspx/1-813-288-8605

If these reports are true, then Marcadis & Assoc. is using caller ID spoofing to list the caller as "Christ The King." :roll:

Wow, I thought they would spoof and use "michael bolton" and the hold music while you're waiting is that song "when a man loves a woman" hahahaha.

Wow! Having a fake caller ID name is a violation of FCC regulations and carries very stiff penalties. Are they morons or what?

Yes, watch out these bottom feeders. They are scum. The worst I have seen so far. They filed suit on me for a credit card that was charged off 5 years ago and has passed the statute of limitations in Florida (four years in Florida). The worst thing about these people is that they claimed I was served, but I never was. I found out they got a default judgment on me (obviously since I never new the suit existed) and I have hired an attorney now to get the judgment vacated. I was amazed that there are scum like this. I was lucky to have found out about this as soon as I did and have a course in motion. Funny thing about the process server's notes was how far off the description of me was. I was described as 40+ years of age (I look no older than 33), brown hair (I am blond), and 180 lbs (I am 220 lbs with a very muscular build). Unbelievable. So the process server must be color blind, need glasses, and only see people in 40 lbs increments. Hmmmmmm........or maybe it was falsified service for a particular cause. To ensure a default judgment maybe???? Definitely.

Hi Eddie--

Great info, thanks a ton!

A few things for everyone to know--first, if you request DV and their response is to send a summons to mediation, then SUE THEM, because that is a dead-on violation of federal law. fdcpa doesnt allow any collection activity to continue once they get a DV request, until they honor it.

Frog--I was not aware of that, that the FCC doesnt allow them to do that. Let me ask you, is it illegal if they set it up so that when they call my house, my name and number show up on the caller ID? NCO has done that to us before....

Thanks again, Eddie, great find!

I recieved a letter from these guys saying they got a judgement against me. I checked public record and their it was. A writ of garnishment is issued to my bank. And the account is under my husband and I. Can they really do this the debt was over 8 years old. And on my divorce papers it said that both my ex and I were responsible for the debt but it was less than 500.00

Were you ever even served on this? If not, then contact the judge who issued the judgement to see about getting it vacated for improper service.

They served me a letter that said If I don't contact them within 10 days my driving privelages are going to be denied...so what do you think I should do?

Is this in connection to a debt or a traffic citation?

Certain government debts may result in revocation of your operator's license but I'm willing to wager that they are trying to scare you.

what is DV letter? These people garnished my bank account. I have been paying them for over two years and a few months ago I was late on a payment.
They issued a judgement for immediate payment of the balance of $1300
which I do not have all at one time. I have continued sending them a monthly payment of $150. This weekend I received a notice from my bank that they had garnished my account. Now I have to deal with an overdrawn bank account.
They included a copy of the writ and forms to file exemption and request for a hearing. Should I take further steps than this to recover my money or wait until I hear something from the court.
Thanks for any help.

DV = debt validation. How was they able to garnish your bank account? Did you go to court and a Judgement was issued against you. If not it is illegal to garnish someones wages or bank account without a judgement from the court. If there is a judgement, you may can get it overtuened if you weren't served papers to appear in court for the hearing.

My husband received a judgement notice after Marcadis got a 5 min. phone meeting with Judge. We had no way to defend it. They say they are now looking at ways to collect debt. Can they actually attach bank account? My husband is on SS Disability. It is my understanding they cannot touch that money.My husband never signed a contract for the credit card, never used it. Was from 2000. Thanks

Were you notified that you were being sued? If so you should have appeared in court and advised the court that the debt was out of SOL. As for attaching the bank account, sometimes they do and it is up to you to prove the bank funds are from your husbands disability. My attorney suggested that I obtain a PO Box and have my check sent there each month.

I just received a letter from Marcadis & Associates stating they are representing Financial Portfolios, II (Who is this?) and states that I owe 5,552.24. My original creditor is Chase and this account has been charged off for years. Although each year I get a different collection agency calling. I read comments on this site that the state of Florida has a 4 year stature of limintations. This accout was open back in 1990 and charged off back in 2005 if not earlier. I'll have to check the date. On my credit report, there is three different descriptions of my account form derogotory, closed(paid) closed (transferred)with a balance of 0. what can I do next? Thanks for your help

Actually for a Bank Card (Chase), you would be looking at the 5 year SOL. When was the last payment made?

After numerous phone calls and threats from FMA Alliance, I sent a payment in November of 2007. Again this account has been charged off for years. Will I have a right to request a settlement?

I was served with papers to appear in court for a debt that is 6 years old. Do I really have to attend? I asked for debt validation and never received it , the court date is NEXT WEEK!!!!!! and I need to know what to do.
Please help

When were you served? Check with the county clerk to make sure the summons was real, if so, make sure you appear in court to prevent a default judgement being entered against you. What state do you live in? Maybe this debt is beyond the SOL.

I have been dealing with these bottom feeders since last April. I requested a DV and never got it. I received a recent letter stating they were now requesting a summary judgement. Today I submitted another request for a DV and one to the court, the court clerk told me the hearing was this Thursday. I told them I was never served or notified. The clerk told me M & A sent a letter regular mail. I never got it. How can they do this? I don't even have time to meet with a lawyer.

Alincoln, why don't you give everyone a job since you're so d@mned smart?

Amen to that A Lincoln. Your right on target. Unfortunately, howevever, is that when Marcadis is paid it doesn't go back to the credit card company it goes to LVNV Funding. They bought the note for pennies and if they collect are nicely rewawded. (Talk about unjust enrichment).
The credit card company calls it "cost of doing business" and we still get to pay obscene rates of interest.
Perhaps better screening would be in order here.
A law suit is meant to make a party whole again.
The credit card companies, nor it's customer's are mad whole by Marcadis.

MARCADIS & ASSOCIATES, P.A. aka FINANCIAL PORTFOLIOS,II,INC. Assignees menaing bought your charged off account for pennies on the dollar.these scum bags have been hassing me for for over a year now,with no let up in sight.they are now subpoenaing me for a deposition of my assets, which I have none have been unemployed for years now with a terminal illness and waiting on SS so the only thing I can think of they are going to try to take my car,which without my car I wont be able to get to DR. visits or out patient surgery to keep me alive.So to make a long story short they win my transportation and they just sentenced me to death,for what and outstanding debt/default judgment. and if you noticed they insulate themselfs from lawsuit my INCing themselfs.these are just what shalespear was referring to when he said when the locus are through feeding on everything around them they will then feed on the attorneys that are left.God has a special place in HELL just for them.....

If you have we served less than 10 days ago send by certified mail a request for debt validation,and and while you are at it send one to chase also. put a reply up here with your email address, I will be glad to send you what I used to ask for debt verifcation. matter a fact some where on this site they have sample letters

I am now dealing with this company. They submitted a judgment and we never appeared in court. We were never served papers to appear in court. So because of that, the judge ordered a default final judgment (to recover funds via goods and property) back in August. We never heard from M&A since then until last week. M&A put a levy on our truck and had it towed away in lieu of this bill. It originally was a MasterCard credit card and the final balance before it was sold to Atlantic Credit was $1400. Now they tell us that we have to pay $4600 to get the truck back. The papers that were served to us when the truck was towed only tally up to $2600. Can they levy a truck for a bad credit card debt?

Cammie, check with the county clerk to see where and when you were supposedly served. Ask the court to vacate the judgement since you weren't served properly, then ask that your truck be returned.

If you are served with papers to go to court,should the papers be signed by you or someone at your home.confused in Florida. It seems like Marcadis & Assoc take advantage of the fact that we, (the public) do really understand our rights.

Check wwwdotserve-emdotcom for FL's Rules of Service

I recently received a summons/notice for pre-trial from this firm regarding debt that I owe to Suntrust Bank. And the next day following I received a letter from American Mediators with a Limited POA form as they were already aware of my case. Any thoughts anyone? Is there anyway to get this resolved without having to go through the courts or these attorney's? Any advice would be greatly appreciated.

They tried to garnish my wages, but fortunately, I have a mortgage with my bank as well as a signature loan.....hahaha, my bank was so cool, they took the money that marcadis tried to have garnished and paid that months mortgage and put the rest on my signature loan, which I was able to use right away. I was lmao!!! This people are scum, but I am paying it off 100 bucks a month....

i filed claim of exempt and marcadis law firm did a affidavit of opposition i have no help court is set for july 16th 2 pm what will happen i was paying $100 a month but that is not good for them what will i do if i can;t pay more the judge in osceola county ronald legendre is an ass he always go with these lawyers

I have not requested a DV from these people yet, but they recently server a summons FOR ME to my parents. Is this legal? I do not live with my parents, and have not for many years. My deposition date is today. I've got the DV letter printed up. Should I just go into the office, give it to them, and leave? It's not an official court date, just a deposition requesting my tax/bank/pay stub records.

One other point of info. Marcadis & Assoc represents LVNV Funding, which apparently does not report to any credit bureaus, so I was unable to find this debt anywhere in my credit report. Is this even legal? I paid off several debts that I owed about 4-5 months ago, all of which I found in my credit report. I didn't see a debt to these people, so it remained unpaid, and we put the remainder of our funds into the home we're renting. How can they expect to get paid if they're not showing on my credit report?

show up even with out a Lawyer or they will be granted a default judgment.then they will garnish your bank account,ask me how I know this. If you need someone to do your paper work to file for a bankruptcy contact me Lisa Burke 863-949-4066 typing service debt relief $200.00 gets your debt discharged in bankruptcy filings

I just got my first letter from them. The bill is about $450 higher than the last notice from the old collection agency. What is a DV?

DV= debt validation.make them prove that you owe that amount,and that they have legal right to collect on it.

I just got off the phone with these guys. They told me I signed a "stipulation" agreeing to pay this absurd amount of money then began talking to me like I was white trash. First off, I never signed anything being that I'm stationed in North Carolina, they sent letters to and called my mothers home in Florida. The debt they say I owe is about 4 thousand more than the original amount. I've actually been making payments to these guys for the past 8 months, I think I'll contact an attorney now.

My car was levied yesterday for a credit card I owed. My car was paid off so they went after it, is there anything I can do? I am a single mom, divorced a year ago, now 6 months pregnant, just trying to get on my feet again and my only source of transportation was this car. I just lost my job in December due to my pregnancy.

They tried to garnish my wages and so forth but the judge dismissed that because I was head of household. Do you have any suggestions?

These scums lawyers garnish my wages ,after it was paid off they still taking money out of my paid check, When I called them, they said that I own them 1450,000 in interest. In the court paper said the interest was already included it. I took them to court nothing was done. The stupid judge didnt even listen to my argument about the debt been paid off and they are taking extra money out of my account. This is how mess up the US law system is.

I 2 have been burdined with this Marcadis & Associates... This is crazy - I had a debt from 2005 & went to court. At that time I was going thru a divorce & scared to have to go there so I signed & stated I would pay $50 a month on a $3,800 total..... 5 years went by of me paying on time & I had to move & missed 2 payments.... Guess what they tried to get $4,100 out of my bank & I had already paid them about $2,800 already & this was even more then the total.... I was never served papers for this nor do I think it's legal.... I hired a lawyer for $500 who stated all he could do was get them to settle for $4,100 & stop the interst (Which I was unaware was accruuing) I was young & thought if you went to court that the total is the total that I was paying off.... Long story short I just got a letter that I had agreed to $4,513 total with $75 a month payments & that is NOT what my lawyer told me. I have a meeting set up to visit this again with my lawyer but he stated this is the best he could do in this situation & that I should have called him 5 years ago when I got this info. WTF How can they do this - by the time I am done paying this (if I do) it will be more the double then what was charged in the first place. Cant I take them to court? What rights do we have? I thought they settle for less then 1/2 not double! This makes me sooooo angry I just dont know what to do at this point. Any info would be greatly appreciated! Sincerly Broke : (

I have a few supposed debt collectors calling me saying they're from a law firm..When they called my work I ended up calling one of them back.. they wanted me to make payment on a debt but couldn't tell me where it originated from nor the amount..they said it was a cash advance...Then after i told them to no longer call work the guy did it again which from what i've been reading is illegal for them to do after you have told them not to...I though it was a bit fishy being they couldn't tell me where the debt supposedly originated from..the some how have gotten a hold of my bank account number also.What's your opinion?

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These are precisely the type of people I want working for me to collect a debt! Aggressive; take no mercy.

A new out here in Florida, especially a watch, that I have reported on Budd Hibbs. The bottom feeders (jugular decided to go for). They are in Tampa and such reputable "clients money lvnv LLC and CACV / CACH as" represent. They love to serve papers and you "bet" is trying to force agreements, wait until you miss a payment and get an instant decision. DV will not respond to the letter. Send a DV letter and they a pre-trial "to send summons requesting arbitration, will not show you might expect.

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I never received anything from them until I was served with a complaint. I replied and asked for proof of the debt, never heard anything until I was served with a judgement and a court date. They did not come to court, I did, and they told the judge that they would work with me. I sent them a letter asking them for proof of the debt and that I would not communicate unless it was in writing and now I get a Summary of Final Judgement that was supposed to be from the Judge (his name was stamped on it) but I received it from Marcadis, not the court. At the bottom, the Certificate of Service is not completed. Is this for real???

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