Introduction to Debt Collection
Debt collection is a process where third-party agencies or debt buyers work to recover outstanding debts from consumers. This process can involve a range of activities, from initial communication and negotiation to, in some cases, legal action. Companies like Lockhart, Morris & Montgomery Inc. play a significant role in the collection industry, operating nationwide to manage challenging receivables for their clients. Understanding how debt collection works, and the rights consumers have during this process, is essential for anyone facing collection efforts. By being informed, consumers can better navigate interactions with agencies such as Lockhart Morris Montgomery, ensuring that the process remains fair and compliant with the law.
Lockhart, Morris & Montgomery Phone Harassment?
Is Lockhart, Morris & Montgomery (LMM) calling you? Stop Lockhart, Morris & Montgomery phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day, breaking the law by contacting you outside permitted hours? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop LMM phone harassment. Seeking professional help can give you the confidence to understand your rights and take action against harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Is Lockhart, Morris & Montgomery a Scam?
According to the Better Business Bureau website, Lockhart, Morris & Montgomery has been in business for 14 years since its establishment in 2004. There have been 3 complaints filed against LMM with the BBB.
The company employs a dedicated workforce, further establishing its credibility and capacity in the industry.
Lockhart, Morris & Montgomery is headquartered in Richardson, Texas.
Lockhart, Morris & Montgomery Better Business Bureau
The company is committed to upholding its core values, which are integral to maintaining professionalism, integrity, and a client-focused approach.
Who is Lockhart, Morris & Montgomery?
Lockhart, Morris & Montgomery is a third party debt collector located in Richardson, Texas. They have been a party to over 50 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. The company has developed significant expertise in handling complex debt collection and compliance matters, including adherence to laws such as the FDCPA, TCPA, and FCRA. Furthermore, a recent Federal Court case alleges that Lockhart, Morris & Montgomery used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Lockhart, Morris & Montgomery is determined to improve the reputation of the debt collection industry through a principled and honest approach. The company aims to reinvent public perception of debt collection by building honest relationships and maintaining a strong focus on compliance.
They serve both clients and consumers by providing professional debt collection services and supporting brand protection.
Address: 1401 N Central Expy Suite 225
Richardson, TX 75080-4681
Phone: (877) 214-3355
Lockhart, Morris & Montgomery Collection Tactics
Lockhart, Morris & Montgomery Inc. is a third-party collection agency and debt buyer operating nationwide, known for its commitment to building honest relationships within the collection industry. With a unique fingerprint in the market, Lockhart Morris Montgomery focuses on achieving positive outcomes for both clients and consumers. Their approach is rooted in integrity and compliance, ensuring that all parties are treated with respect throughout the debt collection process. As a debt buyer, Lockhart Morris Montgomery purchases debts from original creditors and then works to collect on those accounts, using a combination of communication, negotiation, and, when necessary, litigation. Their dedication to compliance and client success sets them apart as a trusted partner in managing debts and challenging receivables.
Lockhart, Morris & Montgomery Collection Tactics
If Lockhart, Morris & Montgomery engages in any of the following tactics, you may have a case. It is important to recognize knowledgeable communication at the line between agents and consumers:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit, which is only valid if there is a court order in place
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed, including demanding that you pay more than you actually owe
Be sure to log all harassing phone calls, including dates, times, and phone numbers.
If you contact our office, professional support is available to help you stop harassment.
Lockhart, Morris & Montgomery Phone Numbers
877-214-3355, 214-522-6424, 214-861-7201, (877) 214-3355, (214) 522-6424, (214) 861-7201, 8772143355, 2145226424, 2148617201
If the answer is yes, then you are receiving calls from a known LMM number. You may be a victim of LMM phone harassment. The list above is not all the numbers that LMM uses. The calls can be from a different number and the harassment can continue from various numbers, and it still be Lockhart, Morris & Montgomery calling you. Contact our office right away so we can start the process to stop LMM from calling you illegally. We offer a tailored solution to end the harassment and protect your rights.
Take action and seek your solution today for immediate relief—don’t wait, get help today. Many clients have seen positive results after taking steps to stop the harassment. Above all, no one should live with harassment!
Credit Reporting and Debt Collection
Credit reporting is a critical component of the debt collection process. When a debt is sent to collections, agencies like Lockhart, Morris & Montgomery Inc. may report the account to credit bureaus, which can have a significant impact on a consumer’s credit score. It is essential that these reports are accurate and comply with the Fair Credit Reporting Act (FCRA). The Better Business Bureau (BBB) monitors the practices of collection agencies, including how they handle credit reporting, to ensure that consumers are treated fairly. Lockhart Morris Montgomery is required to provide accurate information and give consumers the opportunity to dispute any errors. By understanding the role of credit reporting in debt collection, consumers can better protect their financial reputation and ensure that their rights are upheld.
Improper Use of Consumer Reports
Improper use of consumer reports is a serious issue in the debt collection industry. Debt collectors, including Lockhart, Morris & Montgomery Inc., must strictly adhere to the FCRA to ensure that all information reported is accurate and that consumers are fully informed about their debts. This includes providing clear details about the amount owed, the original creditor, and any supporting documentation. If a debt collector fails to provide this information or reports inaccurate data, it can result in credit damage, legal violations, and complaints to the BBB or other regulatory bodies. Consumers should remain vigilant, regularly review their credit reports, and take immediate action if they suspect any misuse of their information.
Morris Montgomery Consumer Rights
Consumers have important rights when dealing with debt collectors like Lockhart, Morris & Montgomery Inc. The Fair Debt Collection Practices Act (FDCPA) is designed to protect individuals from abusive, deceptive, or unfair collection practices. Under the FDCPA, consumers can request verification of debts, dispute inaccurate debts, and demand that collectors cease communication. If a debt collector violates these rights, consumers have the power to file complaints and even pursue legal action. Understanding these protections is essential for regaining control over your financial situation and working toward financial freedom. By knowing your rights, you can ensure that your interactions with Lockhart Morris Montgomery are fair and respectful.
Lockhart Morris Debt Resolution
Lockhart, Morris & Montgomery Inc. offers comprehensive debt resolution services designed to help consumers manage and resolve their debts effectively. As a third-party collection agency and debt buyer, the company is committed to supporting consumers throughout the debt collection process, providing expert guidance and dedicated assistance every step of the way. Their team in Richardson, Texas, is focused on building honest relationships and delivering positive outcomes, helping individuals regain control of their finances and work toward financial freedom. By prioritizing compliance, integrity, and client success, Lockhart Morris Montgomery ensures a professional and respectful experience for all parties involved. If you are ready to take the next step, you can contact their knowledgeable team to get started on your path to financial stability and peace of mind.
Is LMM a scam? No, Lockhart, Morris & Montgomery has been in business for 14 years.
Can Lockhart, Morris & Montgomery garnish my wages? Yes, LMM can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can LMM sue me? Yes, LMM can sue you so long as the debt is within the statute of limitations
Can LMM report my debt to the collections bureaus?
Can LMM arrest me?
The following is a sample list of complaints filed against Lockhart, Morris & Montgomery in the past year and can be found on Pacer.org.
0:14-cv-62653-JIC Wright v. Lockhart, Morris & Montgomery
1:17-cv-03367-RA Lopez v. Lockhart, Morris & Montgomery
2:11-cv-02307-KJM-DAD Franz v. Lockhart, Morris & Montgomery
3:15-cv-00465-BJD-JRK Thompson v. Lockhart, Morris & Montgomery
1:16-cv-24255-PCH Ingham v. Lockhart, Morris & Montgomery
About Us
is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. We truly appreciate our clients and consider them friends, supporting each other through challenging times. Rather than suffer alone, contact our office to begin the process to stop the Lockhart, Morris & Montgomery harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Transworld, Inc. call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!! Taking a moment to reach out for help made all the difference in stopping the harassment.”
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