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These people are very rude!!! They cussed me out said that if I don't have the money by 12 noon today that I would find out the hard way about them and they would press charges. I called againg to find out why they were being so rude to me and Todd Ellis the managaer kept hanging up in my face. His employee Michael Davis was no better. I don't understand why you cannont make payments on a debt. They just called me yesterday expecting me to have the money by today. THAT IS NOT FAIR AT ALL!!!!!!! After reading all of blogs on this company I am afraid that if I send the money where will it really be going to? These people are a scam!!! Just look at their place of business. It looks like they set up shop in someone's house. I thought law firms were in office buildings...

Here's what you need to do, and quickly! I am assuming you have their address? Mail them in the mail a debt validation letter. Here's a sample. Tailor it to suit your needs:

Your Name
Your Address

Date: March 9, 2005

Collection Agency Name

Re: Acct Ref. # XXXXX and XXXXX

To Whom It May Concern:

This letter is being sent to you in response to a alleged debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
What I need you to provide as the debt validation is as follows:
1. What the money you say I owe is for;
2. Explain and show me how you calculated what you say I owe;
3. Provide me with copies of any papers that show I agreed to pay what you say I owe;
4. Provide a verification or copy of any judgment if applicable;
5. Identify the original creditor;
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent
9. Proof that the collection company owns the debt/or has been assigned the debt. (You are legally entitled to collect this particular debt from me.) This is basic contract law.
10. Complete payment history, starting with the original creditor. (I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..
11. Copy of the original signed loan agreement or credit card application. (My contract with the original creditor establishing the debt between us.) This is also basic contract law.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent

I will not hesitate in bringing legal action against you for the following:
1. Violation of the Fair Credit Reporting Act
2. Violation of the Fair Debt Collection Practices Act
3. Defamation of Character

If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action.

Please read the enclosure for an opinion regarding matters such as these from the Federal Trade Commission

Best Regards,

Your Name Here.


When you mail it, be sure to mail it certified return receipt. This will cost you a few bucks, but beleive me you need this!!! It is the only way to get these people to take you seriously!

Once they receive the letter, the phone calls should stop. And unless they can provide you with written documentation showing debt validation, then you are under no legal obligation to pay them. Further, they must remove all entries from your credit report if the do not have the proper documentation.

Send this right away! Don't deal with harrassing phone calls! Don't have your stomache twist and turn everytime the phone rings!

Sub: #1 posted on Thu, 07/10/2008 - 22:09


Dont' let these people scare you in to giving them money...they are a very illegal collection company that collects for payday loans and many of us on this board have been harrassed by them. Do you know what payday loan company they are trying to collect for?

Sub: #2 posted on Thu, 07/10/2008 - 22:15

PinkLady PinkLady
(Posts: 1722 | Credits: 277.47)

use the search function at the top of the page and you can find out everything you need to know about these bottom-feeders

Sub: #3 posted on Thu, 07/10/2008 - 22:18

Moderators Cum Industry Expert
(Posts: 4665 | Credits: 308.23)

Please don't fall for the illegal BS these @$$-clowns like to dish out!

I have made this company a special "pet project" of mine due to the horrible experience I went through, and the almost unfortunate end result, because of their illegal tactics!

Their contact information is:

Legal Mediation Practice
1919 Blanding Blvd., Suite 10
Jacksonville, FL 32210

Phone: 904-387-3187 or 800-201-0565
Fax: 904-854-9447 (I did just dial it and it is still in service)

Make sure you file complaints with your state's Attorney General's Office, Florida's Attorney General's Office, and the FTC!

Sub: #4 posted on Fri, 07/11/2008 - 03:30

FloridaRon FloridaRon

(Posts: 1190 | Credits: 74.85)

Isn't Todd Ellis part of the group that got sued by the Florida AG? You might want to contact the Florida Attorney General and file a complaint, they seem willing to go after the bad CA's.

Sub: #5 posted on Fri, 07/11/2008 - 04:26


They have been harassing me but the phone no. I have for them is different. I have 904/899-0699 it is in Jacksonville. They Know I am going through some bad times. I have been left with noting and he left me with 3 children (16, 14, 11). they are collecting for Payday Loan Yes. They told that I neede to pay or someone would be coming to my job or my home. Can they do that?

Sub: #6 posted on Tue, 07/29/2008 - 21:37


No they cannot. This is a civil manner not a criminal. Have they sent you anything in writing?

Sub: #7 posted on Tue, 07/29/2008 - 21:47

Moderators Cum Industry Expert
(Posts: 4665 | Credits: 308.23)

No and they have not been strat forward on what I am paying. The loan was only $300 and they are saying i owe like $650. The only thing they say is that these are fees.

Sub: #8 posted on Tue, 07/29/2008 - 22:16

dbauer dbauer

(Posts: 9 | Credits: 1.64)

I would post this over in the PDL forum and give more details. There are many members who haev gone thru the same thing and can get you pointed in the right direction.

Sub: #9 posted on Tue, 07/29/2008 - 22:19

Moderators Cum Industry Expert
(Posts: 4665 | Credits: 308.23)

Thank you! Where would I look for the details?

Sub: #10 posted on Tue, 07/29/2008 - 22:36

dbauer dbauer

(Posts: 9 | Credits: 1.64)

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