Complaint Review: LHR - Hamburg New York

I have filed a complaint on LHR and I know them to be a junk debt collection agency who likes to reage old debts and change the amount you owe. LHR actually gave me 3 different amounts owed on an account that was in fact settled. If you know what the actual balance is and it doesn't match what they have, that is fraudulant!!! Two validation letters were sent to this company and neither was answered. Instead, they sold the account to another agency called S & P Capital...I have filed a report on them too. The best you can do, is send out a letter of validation like the one person said. Send it return receipt requested and confimartion delivery. Now, have they filed with any of the credit reporting agencies? If so, make sure you send all 3 of them copies of the dispute letter so they know you are disputing the validity. Good Luck with this!! Oh, and if they threaten to put you in jail...that is wrong... and extremely illegal. Don't let them phish for any of your personal information...meaning any personal questions about your Social Security number and so forth..DON'T give it to them.

How is this a rip off? You took out a loan for the car didn't you? Its not the banks fault that you got a divorce and that your a single mom. If you can't afford the car, sell it. Don't just sit there an file bankrupt. just to duck out. Your not being ripped of, your just being whinny and lazy about the situation.

However, it sounds as if LHR doesn't really "own" this debt, as they would already have your social security number if they dud. They sound like another junk debt buyer. I would send them a letter, making them VALIDATE the amount: Your address Date Junk Debt Buyer Their address Re: Their reference # In accordance with Section 809-Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide to me, in writing, the following: 1. Explain and show me how you calculate what you say I owe. 2. Provide me with copies of any papers that show that I agreed to pay what you say I owe. I have disputed this debt, therefore, until validated, you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit reporting agency, then you must immediately inform them that this debt is in dispute. Reporting information that you know is inaccurate of failing to report as disputed violates the FCRA e1681s-2. If you do not own the rights to this debt, please send a copy of this dispute letter to the original creditor, so that they will have documentation that they will be aware that this remains in dispute. Please be advised that the Statute of Limitations is three years in the State of Virginia and any attempts to falsely "re-age" this debt will be met with every legal option available to me. Finally, in accordance with section 805 (c )Ceasing Collections, of the FDCA, please do not contact me regarding this, except by official mail and then only to inform me that your collection efforts are being terminated or that you are taking specific actions allowed by law. Your cooperation anticipated and appreciated. Very truly yours, IF they owned the debt now, for that big a deficiency, they would have likely sued you a long time ago. Do NOT send them a dime..these are debt scavengers who have no power.