Lloyd and McDaniel took me to court (I was unaware of a court date and was not at the hearing) for a debt to Cross Country Bank on a Visa card. The card had a $1,200.00 limit and now they say I owe over $7,000.00.
They got into my checking account and took what was there, the account was automatically closed. They tried to garnish wages from a place that I had not worked at in over 2 years. Then they got into my checking account again. (There was only a few dollars in it the first time).
Jan Lyons, Legal Assistant for Lloyd and McDaniels, called me and said that the account was just sitting there and that I had to make some sort of arrangements to make payments on it. She was very unethical, yelling at me, threatening to send a sheriff to my house if I did not have the patment there by the 20th of each month.
Then I received a call from Leading Edge Recovery Solutions who said that they were in charge of collecting the debt now and that all future payments should go to them, and that the balance of the debt was over $12,000 dollars because Jan Lyons had not been forwarding all the money I was sending to them. That is what Mr. Thomas at Leading Edge told me. He also suggested I contact the Attornry General and told me that Jan Lyons was extorting money from me. When I called Jan Lyons and asked her about this, she said that I had to keep sending her the payments and to disregard anything that Leading Edge told me. Leading Edge e-mailed me a letter stating that they had the account now.
I called Jan Lyons back again. She was very hostile and refuses to tell me anything about the account, cannot tell me why it was sent to Leading Edge but she kept collecting the money, will not answer any questions at all concerning where my payments have been going, and finally, just hung the phone up on me after I told her she was being unethical. From what I understand, she has been collecting the payments and forwarding them to Leading Edge.
I have been making payments on this account for over 2 years and that is just to cover the interest they are charging me. Jan Lyons had me believing that she was going to send a sheriff to my front door to get everything I owned and that "there was a lot more she could do to me", but said she was not about to tell me what else she would do so that I could take steps to intervene.
There is a LOT MORE to this that would take me hous to write. Jan Lyons has treated me with disrespect and harrassed me to no end over this matter. Finally, she told me that if Leading Edge wanted the debt, then they could have the "dam thing".
From what I understand, Lloyd and McDaniel, Leading Edge Recovery Solutions, and NCO have all been involved in trying to collect this debt. I was under the impression that several debt collectors could not try and collect a debt . I have asked for information on the original account with Cross Country Bank, but no one can tell me anything about the company. Myex-husband is the one who used this credit card and ran the bill up without my knowledge, and then skipped town and left me with the mess. That doesn't matter. My name is on the account and they say I have to pay.
Please, I need help. I am being taken advantage of and am completely confused by all of this, as no one can give me a straight answer.
Mr. Thomas of Leading Edge told me they had sent me several correspondence concering this. Then, Craig Lewis, manager at Leading Edge told me that No, they had not sent me anything, that this month of Nov. was the first they had contacted me.
I am now sending the $100 monthly to Leading Edge just to cover the interest. I will paying on this the rest of my life. I was diagnosed with lung cancer less that 2 years ago and my health is not good. I need to know what to do.