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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. Thomas Sarver on March 5, 2015 at 2:03 pm

      LHR has contacted my previous employer multiple times trying to get information on my whereabouts. They have even called family memebers telling them that they need to get in contact with me right away. When I called them back I was told that I owed thousands more then the debt was originally for and told that non payment could lead to my arrest. They continue to pressure me and threaten that I will also face being sued for non payment. Despite trying to explain to them that I do not have the kind of money that they want me to pay all at one time, I have continualyl been told that I have until the end of the month to pay them. I offered $200 to start, but was told that nothing that small would suffice them as payment on my outstanding account.

    2. Laura M. on April 4, 2015 at 11:15 pm

      I had a credit card from FCNB. After paying this card faithfully I was informed by FCNB that they were closing the card. Then I was harassed by LHR. I tried to make a payment plan but that was unacceptable to LHR. When I asked for a mailing address to send money orders, I was informed by LHR that I must give them my checking account information. When I told them I wouldn’t do that, LHR then told me to borrow the money.

    3. Andrew J. on April 17, 2015 at 9:38 pm

      LHR Inc is also known as Lewis Hastie Receivables, Inc. LHR Inc had to settle with Attorney General Andrew Cuomo for harassing and intimidating consumers, including some who did not even owe the debt in question.

    4. Jan O. on May 19, 2015 at 8:43 pm

      I settled my account with First National Credit Card. I now have Lewis Hastie Receivables (“LHR”) trying to come after me for over $1400 for this account. LHR needs to delete their company from my credit reports.

    5. Harry H. on June 3, 2015 at 10:55 pm

      LHR Inc started calling, threatening lawsuits, and sending letters a year ago. I told LHR Inc the debt came from a stolen credit card. I received a settlement letter from LHR Inc saying they would remove this from my credit report if I paid $247.00. The account from LHR Inc has still not been removed.

    6. mark freeman on February 21, 2016 at 5:26 am

      Be wary if ever contacted by this group of thieves. When speaking with them, if you’re forced to, I suggest that you verbally challenge the AGE of the debt…NOT the AGE they (lhr) puts on it…but rather the ORIGINAL CREDITOR. Lhr is perhaps the lowest of the low when it comes to buying crap debt. They specialize in trying to collect “PAST STATUTE” debt that is uncollectable. Remember, they may tell you there is NO STATUTE for debts….however…an EDUCATED CONSUMER should be aware there is a time statuite for reporting bad debt. Most of the garbage they buy is from THAT category.

    7. Mike on April 1, 2016 at 7:46 am

      These people harass my mother with threatening robo calls several times a day. They leave an intimidating message. The number when called does not answer.

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