• Report: #137687

Complaint Review: Scott Lowery - Collect America - CACV Of Colorado

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  • Submitted: Tue, April 05, 2005
  • Updated: Thu, October 11, 2007

  • Reported By:Coral Springs Florida
Scott Lowery - Collect America - CACV Of Colorado
10375 E. Harvard Ave, Suite 410 Denver, Colorado U.S.A.

Scott Lowery - Collect America - CACV Of Colorado ripoff, unjust collection practices Denver Colorado

*UPDATE EX-employee responds: Response to Susan

*Consumer Suggestion: Susana, Ignoring the process server will not stop the lawsuit!

*Consumer Suggestion: Steve - Bradenton, Florida - YA BEAT ME TO THE BUD HIBBS SAYS INFO

*Consumer Comment: I ALREADY BEING SUED

*Consumer Suggestion: Info for Sherry... When you stand up to them, they go away easily.

*Consumer Suggestion: Typical for Phill Lowery jr.

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I was contacted on or around March 2004 by CACV of Colorado also known Collect America and Scott Lowery Law Firm. This company demanded money claiming they worked for MBNA, I have since contacted MBNA as I did not have credit with them and have had them removed from my credit report as unsubstantiated.

However CACV of Colorado/Collect America/Scott Lowery have since filed a suit against me and raised the amount of what they feel was owed from 7600.00 to 16000.00. THey have also stated that I was notified of an Arbitration by some company called National Arbitration Forum. I was not notified.

On January 3, 2005 I was awaken at 6:45 by a process server for these people screaming my name, demanding that I open my door and banging on my windows. At that time of the morning I wasn't dressed for visitors and needed to change,the server continued to scream and demand that I open the door or he would tell my neighbors that I was a deadbeat. All this for a credit card that I am in the process of proving I did not have. I took this case to a local attorney which angered CACV of Colorado/Collect America/Scott Lowery, they have threatend sanctions on her practice and have initiated goon like tactics to make her drop my case. These people must be stopped. They are in violation of the debt collection practices of the United States.

Sherry
Coral Springs, Florida
U.S.A.

This report was posted on Ripoff Report on 04/05/2005 04:35 PM and is a permanent record located here: http://www.ripoffreport.com/r/Scott-Lowery-Collect-America-CACV-Of-Colorado/Denver-Colorado-80231/Scott-Lowery-Collect-America-CACV-Of-Colorado-ripoff-unjust-collection-practices-Denv-137687. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
0Author 6Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE EX-employee responds

Response to Susan

AUTHOR: Jeremiah - (U.S.A.)

You do not have to open the door. They will tape it to your door. If you don't show up for court you will get a defalt judgement against you.
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#2 Consumer Suggestion

Susana, Ignoring the process server will not stop the lawsuit!

AUTHOR: Steve [Not A Lawyer] - (U.S.A.)

Susana,

First, WHO is Jeremia? There is no Jeremia in this entire thread.

Second, You do not have to open the door to the process server. They can stick it in your door or tape it on the window, etc. That is all that is required. You do not have to get it in your hand or sign for it to be valid.

If you ignore the summons, they WILL win AND get a default judgement against you, AND garnish your paycheck and bank accounts as allowed by law. Well, TX excludes paychecks from garnishment.

You MUST respond to the summons and the lawsuit. It WILL NOT just go away. AND, it is actually easy to beat as most of the time these junk debt buyers cannot properly validate the debt anyway, and it gets tossed.

NEVER let a junk debt buyer/debt collector win by default! ALWAYS fight them.


>>You wrote>>
I ALREADY BEING SUED

HELLO I GOT ONE QUESTION FOR JEREMIA, IF I ALREADY BEING SUED BY CACH I JUST DONT OPEN THE DOOR TO THE PERSON THAT COMES TO MY HOUSE TO GAVE ME THE PAPERS, IF I NEVER OPEN THE DOOR THIS SUED IS GOING TO PROCEED OR NOT

Susana - HOUSTON, Texas
U.S.A.
>>
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#3 Consumer Suggestion

Steve - Bradenton, Florida - YA BEAT ME TO THE BUD HIBBS SAYS INFO

AUTHOR: P - (U.S.A.)

ROF LOL !!!!!! What a team we make!!!
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#4 Consumer Comment

I ALREADY BEING SUED

AUTHOR: Susana - (U.S.A.)

HELLO I GOT ONE QUESTION FOR JEREMIA, IF I ALREADY BEING SUED BY CACH I JUST DONT OPEN THE DOOR TO THE PERSON THAT COMES TO MY HOUSE TO GAVE ME THE PAPERS, IF I NEVER OPEN THE DOOR THIS SUED IS GOING TO PROCEED OR NOT
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#5 Consumer Suggestion

Info for Sherry... When you stand up to them, they go away easily.

AUTHOR: Steve - (U.S.A.)

Agency Details

Collect America

Aka/CACV & CACH

1999 Broadway, Suite 2150,
Denver, CO 80202-3050
Ph: (303) 296-3345
Fax: (215) 281-7522

Phillip Scott Lowery Offices:
4500 Cherry Creek Drive South
Suite #700
Denver, CO 80246

Web Address: http://collectamerica.com/


Head Debt Collectors:

Phillip Scott Lowery

Arthur Todd Lowery

Erma J. Lowery

Brian L. Johnson

David L. Michael

James R. Wolf

>>>>>>>>>>>>>>>>>>>>>

Bud Says?

One of the largest debt buyers, a bottom-feeder organization in America that purchases old accounts, inflates them and attempt to collect. In 2005, Collect America owner Phillip Scott Lowery reportedly sold his operations for $350 MILLION to an organization called First Analysis Private Equity Fund IV, in collaboration with co-investor KRG Capital.

The Collect America system is comprised of approximately thirty franchisee's across the country, with an attorney name on their door. Some of the attorneys such as Sam W. Streeter of Houston, have been dubbed ?Rent-A-Lawyers' due to their total lack of debt collection law and Fair Debt Collection Practices Act (FDCPA) experience.

*Collect America Franchisees:

Law Office of Sam W. Streeter, Houston, TX

Richard G. & Catherine A. Neuheisel Law Firm, Tempe, AZ

Neuheisel Law Firm, Deborah Sue Harvego, Sacramento, CA

Law Office of Thomas K. Bamford, Dallas, TX

Harold E. Scherr, Attorney at Law, Longwood, FL

Bronson and Migliaccio Attorneys, Williamsville, NY

Bronson and Migliaccio Attorneys, Elmwood Park, NJ

Phillips and Cohen and Associates, Westampton, NJ

Law Office of Larry Roach, Copley Twp, OH

Phillip Scott Lowery P.C., Denver, CO

Law Office of Brian K. Levy, Phoenix, AZ

Law Office of J. Anthony Cambece, Boston, MA

Workman Law Office, P.A., Jacksonville, FL

Collect America, LTD, Denver, CO

Gamache and Myers, St Louis, MO

P. Scott Lowery, P.C., Tulsa, OK

Law Office of Wilfred E. Briesemeister, Montclair, CA

Harrison Ross Byck, Morrisville, PA

Daniels & Norelli, P.C., Westbury, NY

Davis Law Office, Russell A. Davis, Solana Beach, CA

Richard DeJana & Associates, Kalispell, MT

Dennis Michael Dendy Law Office, Gretna, LA (Houston TX)

John P. Frye, P.C., Roanoke, VA

Daniel N. Gordon, P.C., Eugene, OR

Mims, Jerry M., Attorney, Islip Terrace, NY

Pentagroup Financial, LLC, James J. Thorpe, Attorney, Houston, TX

(*May not accurately reflect all franchisees)

Since the sale of the main organization, Denver Attorney Phillip Scott Lowery and his collectors that include attorneys David L. Michael and James R. Wolf have relocated to the Cherry Creek Drive address. Scott and wife Texie have moved to Vail, CO, however he reportedly still is involved in the day to day operations through son Arthur Todd Lowery.

CACV, LLC which stands for Collect America Collection Vehicle and CACH, LLC (Collect America Collection Holdings) are the debt purchasing arms of Collect America. Lowery and associates reportedly purchase these accounts for amounts that average $ .02?-03? on the dollar, then inflate those debts to astronomical amounts they attempt to collect on. Collect America does place these accounts on credit bureau reports under the names CACV, CACH and Collect America. Under provisions of federal law, the Fair Credit Reporting Act (FCRA), they may NOT stay past the date of last activity as stated by the original creditor and the information and amounts reflected MUST be accurate, as stipulated by federal law.

The ONLY thing that can restart a ?date of last activity' is by YOU making a payment, Collect America cannot change it under any circumstances. You should always obtain copies of your credit reports directly from the credit bureaus to compare those dates. You have the right to dispute any debt buyer account found on your credit reports as ?Not My Account? with the credit bureaus. Always keep copies of credit reports tucked away to prove the validity of dates with the original creditors. If you feel Collect America or anyone else is changing those dates, you may be able to take legal actions against them in federal court for violating the law. Contact me for referral to a local consumer law professional.

If you are ever sued by a Collect America attorney it is VERY important that you respond to that suit. A lot of attorneys working debt collections have reputations for not being real bright and Collect America is no exception. An attorney from the National Association of Consumer Advocates may be able to assist you, I recommend you visit: www.naca.net

Tell them Bud Hibbs sent you.

budhibbs.com
>>>>>>>>>>>>>>>>>>>

I have dealt with this scum before. When you stand up to them, they go away easily.

They are incompetent, as are all of the "lawyers" that work for them.
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#6 Consumer Suggestion

Typical for Phill Lowery jr.

AUTHOR: Steve - (U.S.A.)

The actions you described are typical for Denver atty Phillip Scott Lowery. I would file a complaint against him with the Colorado Supreme Court Bureau of Attorney Regulation. His attorney registration number is 15130. Also file complaints with the Federal Trade Commission and the American Collectors Association. Scotts new law office address is 4500 Cherry Creek Drive South, Suite 700, Denver, CO 80246. Scott recently sold CACV aka Collect America Collection Vehicle for $350 million to KRG Capital. Scott still plays a very active roll at Collect America even after the sale. He and his wife Texie Robins Lowery recently purchased a new home located at 201 Gore Creek Drive, Vail, Colorado 81657. You may reach Scott at home by calling (970) 476-0399. His father is Denver atty Phill E. Lowery. I know you will find this hard to believe but, Scotts daddy has a disciplanary record on file with the Atty Regulation Bureau of the Colorado Supreme Court. Now imagine that! Who would have ever guessed a Lowery would have such a record? Best of luck to you Sherry.
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