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Legal Recovery Law Offices - Do they serve you properly?

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I am being sued by Capital One Bank. They are represented by Legal Recovery Law Office. I found out about the lawsuit by checking the court website. I have not receive a summons/complaint yet.

This law office has never once tried to contact me so this lawsuit came as a complete surprise to me. Because they have never contacted me, I never got the chance to ask for debt validation. I have 30 days to respond to the summons/complaint. Is it too late now to ask for DV? I have every intention of dealing with this lawsuit. I will not just let them get a judgement by default.

Has anyone ever dealt with this law office/Capital One before? How do they serve you? In person or by mail? How likely is it that they the original creditor,Capital One, will settle the account for less than what they are asking for?

Any replies or advice will be greatly appreciated. Thank you.

You will need to request validation during the Discovery phase of litigation.

Sub: #1 posted on Wed, 10/15/2008 - 19:01

Moderators Cum Industry Expert
(Posts: 4666 | Credits: 308.23)

Whatever you do, be sure to respond to the complaint and go to court on the appointed date! If not, they CA will get a default judgment against you, which will be a real pain.

Sub: #2 posted on Wed, 10/15/2008 - 23:53

FloridaRon FloridaRon

(Posts: 1190 | Credits: 74.85)

It depends on the court rules where they filed suit. You can either be served 1 of 2 ways: (a) via mail (usually certified) or (b) personally upon any member of your household over the age of (usually) 14.

Sub: #3 posted on Tue, 10/21/2008 - 07:10

davidw davidw

(Posts: 54 | Credits: 6.39)

Hopefully, you responded to their filings. According to my personal research, most of their wins are by default.
I was not properly served either. I was contacted at work by Legal recovery Law offices os. They refused to provide me with any information regarding the debt. They only demanded that I made a payment to them over the phone. They did not provide an address to contact them. Within a week or so, papers were literally dropped on the doorstep because my daughter though it was someone selling stuff.
The server also screwed up the date of service and said he served the day prior to the papers being filed with the court. and they continued to call me at work after they were requested not to. They violated fdcpa, does this mean that I should file a cross-complaint and counter sue prior to trial?
Any help will be appreciated and I will definately reply back after trial, as I want other consumers to be aware of LRLO's and Capital One's bad business practices.

Sub: #4 posted on Thu, 12/04/2008 - 08:47


I'm going through the exact same thing with Cap1 but with Love, Beal & Nixon. Never got one letter from them, my friend found my name on the court website. I'm waiting to be served as well. My last contact with anything regarding Cap 1 was united recovery systems back in June, then I sent them a DV 4 months later...lawsuit.

So, I guess that would make LB&N a 3rd or 4th party collector? All the suits they've won in Tulsa, have been on default. you can bet, I'm researching all my rights, proper civil proceedures...etc...just in case I have to appear before the judge several times on this...not getting a default on thanks.

Sub: #5 posted on Thu, 12/04/2008 - 21:52

sphere sphere

(Posts: 118 | Credits: 23.77)

You would think Capitol One would try to settle with there customers. I had a arrangement with the collection agency and when I called to pay, it had gone to Legal Recovery Law Offices and a Mark Walsh attorney. I was told I would be sued and have my wages garnished! Word to the wise stay away from CAPITOL ONE!

Sub: #6 posted on Sat, 02/07/2009 - 04:21


I am being sued by them also it doesnt matter if you go to court i showed up and they basically told me LR and mark walsh wins i dont hav money for attorney so im notsending right papers etc. they send lots of court documents that make no sense now i ahve to call mark and try to work something out but that didnt work last time so im at a loss too

Piss off, shill. - Uncle Wulf

Sub: #7 posted on Fri, 02/27/2009 - 06:02


they cant garnish my wages though cause i dont work...

Sub: #8 posted on Fri, 02/27/2009 - 06:03


Legal recovery law offices are trying to serve me showing up at a former residence and would not give them the documents. i have checked online and sure enough mark walsh is the lawyer looking him up i found about it could be from capitol one so thats the way there trying to serve me but the court date is a very long ways away and yes my balance i may owe is not even over 1000 dollars so taking me to court makes no sense.

Sub: #9 posted on Tue, 03/17/2009 - 14:03


I have a default judgement with Cap One (Mark Walsh) I Just found this out on Orange County's Court website. I was never informed of any court date nor was I served. I would like to go before a judge and get this default judgement off my record. Does anyone have any suggestions?

Sub: #10 posted on Tue, 03/17/2009 - 14:53


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