Legal Recovery Law Offices

Review: COn March 4, 2014, I was contacted by Legal Recovery Law Offices via telephone. The female customer service representative wanted me to give her my date of birth. When I refused she hung up on me. I contacted the company via phone because I wanted to know the reason I was being contacted. I spoke with a customer service representative, [redacted]. He told me that I had to give him my date of birth and SSN#. According to the Federal Trade Commission I was within my legal rights not to "give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name."

After I had to divulge my date of birth and SSN#, which was illegal. He explained to me over the phone what I owed. I explained to him that I hadn't received any bills regarding this debt from Legal Recovery Law Offices, Inc., from 2010 until now March 2014, 4 years later. I asked him, why did Legal Recovery Law Offices, Inc. wait 4 years to contact me via phone regarding an alleged debt? I asked him, why didn't Legal Recovery Law Offices, Inc., post mail or email me any bills from 2010-March 4, 2014? According to the Federal Trace Commission I have a right to " Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act. If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you."

[redacted] explained that it wasn't Legal Recovery Law Offices, Inc., policy or practice to send bills to the debtor. It was my responsibility. I commented that if I took out a student loan or mortgage or car loan with a bank, the bank would certainty send me bill statements every month either through email or post mail. When I asked [redacted] to provide me with my bills from 2010 until March 2014, he refused. However, he gave me the email of [redacted] ([redacted]@ [redacted].com) to request my bill statements.

I contacted [redacted] at the email and I requested in that he should provide me with my bills from 2010 until March 4, 2014. Today is March 6, 2014 and he has provided me with any of my bill statements. Before [redacted] provided me with an of my bill statements, he tried to withdraw $4,849.42 out of my bank account on March 5, 2014. Legal Recovery Law Offices, Inc. tried to collect a debt without providing me with written proof, a validation notice, that I owed this debt. They didn't send me any bills for 4 years which is an illegal business practice. They quoted an amount and expected me to pay it without providing me with any documentation. According to the Federal Trade Commission Consumer Information about Debt Collection located at http://www.consumer.ftc.gov/articles/0149-debt-collection

What does the debt collector have to tell me about the debt?

Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.Desired Settlement: Legal Recovery Law Offices, Inc., claims that I owe a debt, but they haven't provided me with any proof, a validation notice. They haven't post mailed or emailed me any bills from 2010 until March 2014. If I had owed a debt, I should have been receiving bill statements from 2010 until the present. For example, if I owed a student loan, the bank would send me bills every month. Legal Recovery Law Office, Inc. hasn't provided me any proof of my debt in 4 years.

Business

Response:

To: Revdex.com

From: Compliance Manager

Fax#:

Revdex.com Case # [redacted]

Hello,

I think you are confusing this debt with another one. You made voluntary payments on this back in 2009. We were working with you on $200 monthly payments to repay your debt to National University for you student loan.

You made monthly payments for $200 from February 2009 through January 2010. You may contact the school if this doesn’t ring a bell and they can provide you with any and all documents you need.

Thanks,

Compliance Manager