Scott Lowery Law Office, P. Scott Lowery Harrassing and Crude Denver Colorado

try and find the statment and see how much intrest there charging you and also if there bugging you and calling you if you write them and say do not contact me at my work or home they are not allowed by law to contact you and if they do you can sue them but you have to send it in writing also if you try and get them to say sue if you do talk to them say im i gunna get sued and record it if they say anything but im not a attorny then they can be sued and loose there job

To make the Lowery Law Office slightly irritated FAX your letters to them. Cheaper then Certified Mail and you can end your original letter stating that the letter was transmitted by fax and that you have the confirmation letter to prove it. They don't care for that very much. Because in a court of law you can bring the confirmation slips proving that the information was indeed sent to them.

Also, file your complaint with the local Attorney Counsel office in your state. Outline your complaint in which Lowery Law office will have to respond to the state and you in writing. This ties up the Attorneys as only they can communicate with this office. They have a couple of black marks against them as a company and I encourage those of you having problems to make sure we all continue writing about how terrible this company is to consumers.

Good luck

Under no circumstances would it EVER be advisable to give an ambulance chasing bottom feeder your bank account information. That's the most ridiculous thing I ever heard. NOBODY but the bank you are dealing with, close family and your employer (if you direct deposit) should have that information. If you paid by check and you can approximate when you sent money to them, why can't you ask the bank to send you statements for that period. It sure beats paying $100's. These low-lifes have a knack for highballing the debt, as I have seen in another complaint done against this bottom feeder.

NEVER, EVER!

IF you're going to offer a proposed settlement, ONLY negotiate with the CREDITOR!
Reaching a settlement with a debt collector usually only gets that particular debt collector off your back. The creditor is then free to come after you at a later date for the remainder of the debt.

Also, YOU don't have to fight it. They have to prove that the debt is yours and that the amount of the debt is correct. All you need to do is send a certified, return receipt requested letter to them and demand the following information:

1. Full contact information of the ORIGINAL CREDITOR.

2. Full contact information of the CURRENT CREDITOR (if different from the original.)

3. Dispute the debt for the entire amount and demand validation per the FDCPA. Require them to provide any and all documents that establish this debt as being yours.

4. Cease telelphone calls - only written communication will be allowed. If they call AFTER they received the letter, that's a violation of the FDCPA and you may now proceed to SUE them in district court for statutory damages, actual damages and reasonable attorney fees.

Good luck.

Here's the thing I've noticed. I used to work at the Law Office and a lot of people refused to give their account information to us, but it did make things a lot easier. I have never heard of us having a problem with doing that, either. As long as we were told the designated amount and the date that the consumer wants it taken out, then we would do so. If something happened that it was taken out earlier, or in the correct date, which I admit has happened once, we put the big-supervisor on the phone and he apologized, as well as found a way to refund the money as soon as the Office received a copy of the statement that showed this transaction.

Really, the Collectors WILL work with you... but it's just a matter of working with them too. Granted, some aren't the nicest in the world, but hopefully you can eventually get one that will be willing to work with you... some are just stricter than others, to be honest.

Why do people continue to talk to creditors over the phone.....You should NEVER do this.

Believe me your account is not "frozen". Even though they may be a law office, they are still a debt collector. They want to get paid.

If you are not disputing the debt or the amount, what you need to do is send them a certified letter. In this letter state that they are to no longer communicate with you over the phone, but only through the mail. Also, include your offer of settlement. This needs to include the total amount you are going to pay, as well as the date(s) of the payment(s) you are going to make. Be sure to make it a reasonable date to give you time to pay it, such as the first payment would be 30 days after the receipt of their letter of agreement.

DO NOT sign this, just type your name. When you send it by certified mail be sure to get a Return Receipt(Green Card). This way you know they got it. Only when you have an agreement from them in writing is when you should send them any money. Also, DO NOT give them access to your personal account, pay by Money Order.