P. Scott Lowery, Direct Merchants Bank Rip Off Violation of Federal Debt Collection Practices Act, Harassment abused & mistreated Denver Colorado

We got a loan and paid Direct Merchants off, or so we thought...we paid them 3888.88 and then we got a bill for another 140.00 the 3888.88 was the payoff they gave our mortgage company for the consolidation......We sent a copy of the check and the statement they had given our mortgage compnay and so we thought it was resolved.until this week, they are calling about a bill from 1998., a collection agency is doing this for them..I had to go thru all my paper work and pull out all the paperwork to prove to the colleciton agency again, that we paid them off...

We have had so much trouble with DM bank all the years we had to card...we too were charged late fees and then over the limit fees on this card....and I sent in the payment 2 weeks ahead of time..I think that anyone who applies for a card with Direct Merchants should beware..I feel that it is almost like a loan shark company...
So now again, we are getting calls from a collcetion agency after 6 years...
BEWARE OF CREDIT CARDS...

Thank you for your suggestion. I have reported this abuse to the FTC and so far according to P. Scott Lowery, they will watch their employees more closely. My mother recently passed away. The lawfirm sent a process server to my home at 5:30 am. I told him that my mother passed away and that he'd never, ever come to my home again or he will regret it. He came back later that afternoon, banging on the windows and door, calling my mother's name. I opened the door and I hit him between the eyes with a crowbar, breaking his nose and both cheekbones.

He went to the police and the police told him, sorry, the debtor's daughter told you that she was dead and you came back later on to harass the family, you knew better. Better luck next time.

The federal Fair Debt Collection Practices Act has sever remedies that might be available to your mother. In addition to actual damages, the court can award a penalty of up to $1000 per violation and attorney's fees. The actual damages can include emotional distress damages.

There may be another agency in your state that also has jurisdiction over illegal debt collection activities and you might consider contacting the Federal Trade Commission as well.

Here is the update on this so-called law firm that violated the FDCPA regarding my mother's account. After filing the complaint with the Lawyer Disciplinary Committee, here is what Scott Lowery's firm stated.

From now on, this firm will do a better job of supervising all employees and oversee the training of all employees in debt collection.

My response to this firm. Never, Never, Never, ever contact this household again for any reason. You are not getting one red cent and do not look for it.