When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

L and M Accounts Inc


2200 52nd Ave
Moline, IL 61265-6363

Contact Them:

Phone: (309) 277-8700
Fax: (309) 277-8701

L and M Accounts Inc is a company that works with various businesses to provide collection services and recover debt. Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Mike on May 21, 2020 at 9:47 pm

      L&M contacted me and threated to garnish my wages and freeze my bank account. I have been laid off due to covid. The lady said did you get that stimulus money you need to pay now and they double the amount of the original bill.

    2. kAREN Zabloudil on August 24, 2020 at 9:19 pm

      L&M is taking me to small claims court even though I am making payments. I was told that I was “uncooperative” during the first call and the agent states that he “didn’t care that I was making payments”

    3. Bloody Turnip on January 6, 2021 at 6:18 pm

      Absurd! I was just bullied, yelled at and threatened until I gave up my checking account number. I asked if I was allowed to consult a lawyer first and was asked if I would be more comfortable going to court. Covid or not,
      lay off or not, homelesss and starve to death they don’t give a fuck! Wanted my stimulus money, and taxes. But there is none.

    Share Your Experience

    For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

    I agree to these terms.

    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.