Complaint Review: LHR Incorporated

Simply put, LHR is POWERLESS. No debt is "valid" until a creditor sues you and wins a judgment in civil court. Always debt validate whether it be a creditors assignee, debt buyer, or law firm.I extensively gave tips on how to handle LHR earlier this year in other LHR reports on ripoff. Type in "LHR" here on ripoff and look at the february and march 2009 reports I contributed to. They are powerless chumps once you read my advice earlier in the year on LHR and you can earn "supplemental income" by shaking down their compliance director after reading my advice. LHR is just an example. This goes for ANY 3rd party agency or law firm.

Bottom line, if the millions of consumers with chargeoffs in this country read my advice on how to handle LHR in prior reports, original creditors wouldn't touch 3rd party agencies like LHR with a 10 foot pole because it wouldn't be cost effective or profitable.

Even if a creditor sues you, make yourself as expensive as possible to sue. Answer the summons and complaint by denying the amount of the debt and only admitting to your name and address.For most other paragraphs besides admitting your name and county and denying the amount of the debt, paragraphs in the complaint concerning the debt you should answer "defendant lacks knowledge to admit or deny, therefore demands proof." Immediately file a discovery demand on the creditor (plaintiff). Demand things such as production of documents and request for admissions. I've personally forced even an original creditor to walk away from their suit against me because of my discovery demands. If any readers read this post and have questions on how to answer a complaint, let me know. I'll check back sporadically.I'm not an attorney but have beaten every creditor suit (3) since 2006. Always list "affirmative defenses" in your answer to the creditors complaint.This prevents summary judgment usually and buys you a month or two atleast. If you don't list affirmative defenses, a general denial may not be enough. Serving discovery as I said further prevents the possiblility of summary judgment against the debtor. Since you ALWAYS deny the amount of the debt in your answer, list this as an affirmative defense.

"Rewarding the Plaintiff for x amount of dollars would result in unjust enrichment as the Plaintiff would receive more money than the plaintiff is entitled to."

There's umpteen other affirmative defenses to use after you are sued depending on your situation. Like I just said, serve discovery on the plaintiff and stall them for months and rack up their creditors attorney fees to the point that they may just withdraw their suit since it isn't cost effective. If they can actually find the paperwork in discovery, they will still likely cut you a good settlement deal to avoid further litigation costs knowing you will fight them to the bitter end. If you are too overwhelmed, file bankruptcy and that will stay all litigation and they spend all that money in litigation for nothing after you get your bankruptcy discharge.

Regardless, lhr at best may have a small contingency of college grads working there, but most are under 30 HS dropouts and grads at best. Regardless, the collectors have no authority to file a lawsuit. That's up to the creditor. Play dumb and bait them into FDCPA violations and have it on tape. Most states don't require telling the collector you are recording (one party states). Use that to your advantage. The most common threat is telling debtors they will take a specific action (file suit,etc) in x amount of days if you don't pay. Once the "threat" expires, they are now in violation of the FDCPA by virtue of making threats they didn't carry out. If you have it on tape, either take them to civil court or negotiate with their compliance director on an "out of court settlement."

Simply put, LHR is POWERLESS. No debt is "valid" until a creditor sues you and wins a judgment in civil court. Always debt validate whether it be a creditors assignee, debt buyer, or law firm.I extensively gave tips on how to handle LHR earlier this year in other LHR reports on ripoff. Type in "LHR" here on ripoff and look at the february and march 2009 reports I contributed to. They are powerless chumps once you read my advice earlier in the year on LHR and you can earn "supplemental income" by shaking down their compliance director after reading my advice. LHR is just an example. This goes for ANY 3rd party agency or law firm.

Bottom line, if the millions of consumers with chargeoffs in this country read my advice on how to handle LHR in prior reports, original creditors wouldn't touch 3rd party agencies like LHR with a 10 foot pole because it wouldn't be cost effective or profitable.

Even if a creditor sues you, make yourself as expensive as possible to sue. Answer the summons and complaint by denying the amount of the debt and only admitting to your name and address.For most other paragraphs besides admitting your name and county and denying the amount of the debt, paragraphs in the complaint concerning the debt you should answer "defendant lacks knowledge to admit or deny, therefore demands proof." Immediately file a discovery demand on the creditor (plaintiff). Demand things such as production of documents and request for admissions. I've personally forced even an original creditor to walk away from their suit against me because of my discovery demands. If any readers read this post and have questions on how to answer a complaint, let me know. I'll check back sporadically.I'm not an attorney but have beaten every creditor suit (3) since 2006. Always list "affirmative defenses" in your answer to the creditors complaint.This prevents summary judgment usually and buys you a month or two atleast. If you don't list affirmative defenses, a general denial may not be enough. Serving discovery as I said further prevents the possiblility of summary judgment against the debtor. Since you ALWAYS deny the amount of the debt in your answer, list this as an affirmative defense.

"Rewarding the Plaintiff for x amount of dollars would result in unjust enrichment as the Plaintiff would receive more money than the plaintiff is entitled to."

There's umpteen other affirmative defenses to use after you are sued depending on your situation. Like I just said, serve discovery on the plaintiff and stall them for months and rack up their creditors attorney fees to the point that they may just withdraw their suit since it isn't cost effective. If they can actually find the paperwork in discovery, they will still likely cut you a good settlement deal to avoid further litigation costs knowing you will fight them to the bitter end. If you are too overwhelmed, file bankruptcy and that will stay all litigation and they spend all that money in litigation for nothing after you get your bankruptcy discharge.

Regardless, lhr at best may have a small contingency of college grads working there, but most are under 30 HS dropouts and grads at best. Regardless, the collectors have no authority to file a lawsuit. That's up to the creditor. Play dumb and bait them into FDCPA violations and have it on tape. Most states don't require telling the collector you are recording (one party states). Use that to your advantage. The most common threat is telling debtors they will take a specific action (file suit,etc) in x amount of days if you don't pay. Once the "threat" expires, they are now in violation of the FDCPA by virtue of making threats they didn't carry out. If you have it on tape, either take them to civil court or negotiate with their compliance director on an "out of court settlement."

Simply put, LHR is POWERLESS. No debt is "valid" until a creditor sues you and wins a judgment in civil court. Always debt validate whether it be a creditors assignee, debt buyer, or law firm.I extensively gave tips on how to handle LHR earlier this year in other LHR reports on ripoff. Type in "LHR" here on ripoff and look at the february and march 2009 reports I contributed to. They are powerless chumps once you read my advice earlier in the year on LHR and you can earn "supplemental income" by shaking down their compliance director after reading my advice. LHR is just an example. This goes for ANY 3rd party agency or law firm.

Bottom line, if the millions of consumers with chargeoffs in this country read my advice on how to handle LHR in prior reports, original creditors wouldn't touch 3rd party agencies like LHR with a 10 foot pole because it wouldn't be cost effective or profitable.

Even if a creditor sues you, make yourself as expensive as possible to sue. Answer the summons and complaint by denying the amount of the debt and only admitting to your name and address.For most other paragraphs besides admitting your name and county and denying the amount of the debt, paragraphs in the complaint concerning the debt you should answer "defendant lacks knowledge to admit or deny, therefore demands proof." Immediately file a discovery demand on the creditor (plaintiff). Demand things such as production of documents and request for admissions. I've personally forced even an original creditor to walk away from their suit against me because of my discovery demands. If any readers read this post and have questions on how to answer a complaint, let me know. I'll check back sporadically.I'm not an attorney but have beaten every creditor suit (3) since 2006. Always list "affirmative defenses" in your answer to the creditors complaint.This prevents summary judgment usually and buys you a month or two atleast. If you don't list affirmative defenses, a general denial may not be enough. Serving discovery as I said further prevents the possiblility of summary judgment against the debtor. Since you ALWAYS deny the amount of the debt in your answer, list this as an affirmative defense.

"Rewarding the Plaintiff for x amount of dollars would result in unjust enrichment as the Plaintiff would receive more money than the plaintiff is entitled to."

There's umpteen other affirmative defenses to use after you are sued depending on your situation. Like I just said, serve discovery on the plaintiff and stall them for months and rack up their creditors attorney fees to the point that they may just withdraw their suit since it isn't cost effective. If they can actually find the paperwork in discovery, they will still likely cut you a good settlement deal to avoid further litigation costs knowing you will fight them to the bitter end. If you are too overwhelmed, file bankruptcy and that will stay all litigation and they spend all that money in litigation for nothing after you get your bankruptcy discharge.

Regardless, lhr at best may have a small contingency of college grads working there, but most are under 30 HS dropouts and grads at best. Regardless, the collectors have no authority to file a lawsuit. That's up to the creditor. Play dumb and bait them into FDCPA violations and have it on tape. Most states don't require telling the collector you are recording (one party states). Use that to your advantage. The most common threat is telling debtors they will take a specific action (file suit,etc) in x amount of days if you don't pay. Once the "threat" expires, they are now in violation of the FDCPA by virtue of making threats they didn't carry out. If you have it on tape, either take them to civil court or negotiate with their compliance director on an "out of court settlement."

Simply put, LHR is POWERLESS. No debt is "valid" until a creditor sues you and wins a judgment in civil court. Always debt validate whether it be a creditors assignee, debt buyer, or law firm.I extensively gave tips on how to handle LHR earlier this year in other LHR reports on ripoff. Type in "LHR" here on ripoff and look at the february and march 2009 reports I contributed to. They are powerless chumps once you read my advice earlier in the year on LHR and you can earn "supplemental income" by shaking down their compliance director after reading my advice. LHR is just an example. This goes for ANY 3rd party agency or law firm.

Bottom line, if the millions of consumers with chargeoffs in this country read my advice on how to handle LHR in prior reports, original creditors wouldn't touch 3rd party agencies like LHR with a 10 foot pole because it wouldn't be cost effective or profitable.

Even if a creditor sues you, make yourself as expensive as possible to sue. Answer the summons and complaint by denying the amount of the debt and only admitting to your name and address.For most other paragraphs besides admitting your name and county and denying the amount of the debt, paragraphs in the complaint concerning the debt you should answer "defendant lacks knowledge to admit or deny, therefore demands proof." Immediately file a discovery demand on the creditor (plaintiff). Demand things such as production of documents and request for admissions. I've personally forced even an original creditor to walk away from their suit against me because of my discovery demands. If any readers read this post and have questions on how to answer a complaint, let me know. I'll check back sporadically.I'm not an attorney but have beaten every creditor suit (3) since 2006. Always list "affirmative defenses" in your answer to the creditors complaint.This prevents summary judgment usually and buys you a month or two atleast. If you don't list affirmative defenses, a general denial may not be enough. Serving discovery as I said further prevents the possiblility of summary judgment against the debtor. Since you ALWAYS deny the amount of the debt in your answer, list this as an affirmative defense.

"Rewarding the Plaintiff for x amount of dollars would result in unjust enrichment as the Plaintiff would receive more money than the plaintiff is entitled to."

There's umpteen other affirmative defenses to use after you are sued depending on your situation. Like I just said, serve discovery on the plaintiff and stall them for months and rack up their creditors attorney fees to the point that they may just withdraw their suit since it isn't cost effective. If they can actually find the paperwork in discovery, they will still likely cut you a good settlement deal to avoid further litigation costs knowing you will fight them to the bitter end. If you are too overwhelmed, file bankruptcy and that will stay all litigation and they spend all that money in litigation for nothing after you get your bankruptcy discharge.

Regardless, lhr at best may have a small contingency of college grads working there, but most are under 30 HS dropouts and grads at best. Regardless, the collectors have no authority to file a lawsuit. That's up to the creditor. Play dumb and bait them into FDCPA violations and have it on tape. Most states don't require telling the collector you are recording (one party states). Use that to your advantage. The most common threat is telling debtors they will take a specific action (file suit,etc) in x amount of days if you don't pay. Once the "threat" expires, they are now in violation of the FDCPA by virtue of making threats they didn't carry out. If you have it on tape, either take them to civil court or negotiate with their compliance director on an "out of court settlement."

I have had a simlar experience with LHR. I settled an old credit card with LHR in the Fall if 2007 with LHR working on "behalf" of Barlcay's Bank. They told me it would be noted on my report as "settled in full" and I was under the assumption that Barclay's new this. And seeing the card only had a $1000 limit and I gave them Approx $1400 it was more than settled. I received a letter notating such from LHR but keeps popping up on my report. I contacted Barclay's Bank and they did know nothing of such a transaction and said I should have settled with them directly. I called LHR and told them and they said they "updated the file" on my credit report. But word or payment has obviously never made it to Barclays. I finally gave up in 2008 but it is STILL on my report as showing nothing ever settled with Barclay's. So I contacted LHR again(in a detailed letter) and said I want my money back so I can settle or for them to settle with Barclay's. NO reponse and when I finally called I got "conveniently" disconnected. I have now filed a complaint with the Better Business Bureau.