303-218-7550

Scott lowry called all of my neighbors in my neighborhood where I live and my parents.  I am married and he kept referencing my maiden name. This is a SCAM so beware.  This is very scary and embarassing for me. My neigbors contacted me and stated that this individual called them saying that he needed info on where to find me and my phone number because he wanted to help me because I was in trouble. ???? Can you imagine how horrible this was for me???????? I also recieved a call from someone from Bank of America a few days before this call stating I have a debt with them and this is completely false.  I have never had a Bank of America card or loan. How do I stop this??????? Please help!

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY

P Scott Lowery, P.C.

1999 Broadway #2170
Denver, Colorado 80202

--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

Founder & owner of Con-America Debt Collector & lawyer Phillip Scott Lowery deserves ALL of the credit for the misery inflicted by his CON-AMERICA organization.

His network of law offices (franchises?) collect on defaulted consumer debts purchased for fractions of a cent, is infected with goon-style collection tactics that defy state and federal laws. His commission-driven collectors will lie, threaten, intimidate and exploit you to line their pockets with your money. They consistently fail to respond to FDCPA & FCRA disputes, place bogus and inaccurate information with the credit bureaus, then lie about it.

If you are having a problem with his collectors, let him know about it.   Contact:   slowery@collectamerica.com
Phillip Scott Lowery (P)
Arthur Todd Lowery
Erma J. Lowery (S)
Brian L. Johnson (T)

NO ONE SHOULD EVER BELIEVE ANYTHING REPORTED BY CACV-COLLECT AMERICA. Collect America is why we have laws like the FDCPA to regulate collection agencies, they are the garbage can of debt collectors! NEVER give them any information on your bank/credit accounts, or post-dated checks...YOU WILL REGRET IT!! This operation is a sham!!

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.


Dealing with debt collectors
http://www.budhibbs.com/start.html

Statute of limitations by state – always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from debt collectors – always double check with your own State Government website
http://www.budhibbs.com/record.htm


From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.


Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.


How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.


What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren’t; or
indicate that papers they send to you aren’t legal forms if they are.
Debt collectors also are prohibited from saying that:

you will be arrested if you don’t pay your debt;
they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.
Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn’t; or
use a false company name.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.
Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans’ Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members’ Pay
Military Annuities and Survivors’ Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen’s and Harbor Workers’ Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.

received numerous calls from this number.  read these posts and fully understand what they are about.  extension 1376 will get you to a "Ms Chavez".  the woman refused to provide me an address where I can send the "cease and desist" letter, stating that this "debt" was due, and that was that.  then she got an attitude and tried to ram-rod the conversation, using some really horrible scare-tactics.  I called her back 3 times and she hung up on me each time, telling me that I was harrassing her.  So, if they can call me numerous times, to harass me, and not even provide me any information regarding my "account", but I can't call them to ask them very simple legitimate questions, then I'm not too concerned about it.  Oh, and she lied telling me that she confirmed my employment and spoke to someone here.  LOL!!  my office has 5 people in it, and the receptionist never got that phone call.  whatever.  they lie and they scream, and they hang up on you when you ask legitimate questions.  if there is anything on my credit report regarding this company, they'll be sure to receive a call from my attorney.  enjoy.

800-NOTES is the greatest. Anyone who doesn't use this service for those unknown numbers that pop up on your Caller ID is a fool.

I just began receiving calls from this 303-218-7550 number. Two in one day. The calls are to my new cell phone. I suspect they are calling someone who held this number prior to my getting it. Since I do not use credit cards nor do I have any other debt, they cannot be trying to call me unless they are trying to scam me.

Yes, I'm one of those weird people who doesn't believe in credit cards or mortgages or car loans. If I don't have the cash for it, I don't buy it. I own my home and truck outright.

Next time they call, I plan on having a lot of fun with this. I'm sure they'll ask me to give them my name - instead, I will demand they tell me who they are asking for. Then I will explain that they are calling an old number and need to update their database. If the calls persist, then I simply demand my cell carrier change my number free of charge to a number that has never been previously assigned.

These idiots call to my husbands cell phone up to 5 times a month for the past 6 months.  They are looking for a "Heather"...never get to last name, they just say that she put it as her phone number.  WELL....any person can give any number as his/her phone number...if she is being saught for unpaid debts then why arent these lawyers smart enough to researc hthe infor they are given before they start harrassing innocent people.  Not only do they call, they are rude, and we have asked them each and every time to take our number off their list, but they do not understand english...i guess! I dont know what else to do. I did tell them today when they called that i was going to call my own lawyer if they called again!

I received a call from this number stating they were a Mrs. Nieto from Lowry Attorney Office. They stated they were trying to reach *** ******, who is my x husband. They further stated that I had been given as a reference and that they could not reach him due to his mailbox on his phone was filled. The funny thing was I was talking to my daughter on the phone and as soon as I hung up from them they called my daughter with the same story.

hello to everybody:

I received a call from a guy named arron from scott lowery law group, i don't know the purpose of his call, he only left a message asking to return his call, i serch in the internet and i found is a collection agency, anybody knows what to do next? my be they have a wrong name

calling me at work... specifically told them not to...it's against the law for them to keep calling my work number

They keep calling for no reason, no voice mail

send a cease verbal communication letter to their offices. certified mail w/ return receipt....

This is the law office P. Scott Lowery - a collection agency. In my particular case, they were collecting for a written-off debt from Wells Fargo Financial Bank.

As odd as it may sound from a debtor, this firm is very professional (at least in my dealings).

They do have a job to do, which is to collect on the debts. However, they also understand that sometimes people don't pay their debts because they honestly don't have the money. That does not mean that they are going to stop calling, but they don't harass you, belittle you, call you horrible names, etc... like other law firms / collection agencies have a tendency to do.

Just recieved a phone call from a man asking for one of our drivers.  I told him he is on the road all day  and he must call his home or cell phone.  He asked if he can leave a message and I told him no.  He then became very rude and asked to speak with his superior.  I spoke to his "superior" and he said they must call home or cell b/c the driver has left for the day.  The man became very upset and asked for our physical address, so I am assuming he is coming here or mailing something.  Either way he will not anywhere!

These guys are scumbags -- third party debt collectors posing as Lawyers.  They will call everybody and anybody that you have associated with and claim to be filing a law suit to collect a debt.  

There strategy... they want to help in your financial counseling.  They will ask the details of how you are paying your current debts - typically car, utilities, phone, etc.  then they will want bank information and possibly credit card into.  They have already pulled your credit report to gain an upper hand on you.

Here is what you do.  

1.  Tell them you would like to have your lawyer talk to their in-house council and can you get his/her direct contact information so you may pass it along to your lawyer (don't worry if you don't have one).  

2.  DO NOT DISCLOSE any information regarding bank accounts, usable credit cards -- NOTHING.  You are not required to disclose any personal information such as how you are covering the rest of your liabilities to these Hyenas.  The only info you should discuss is very specific to the specific debt they are collecting.

3.  If they choose to file suit, make sure you a) don't get upset.  B) contact a lawyer for help, C)put in a notice of appearance, D) above all DO NOT IGNORE the information as they maybe able to get a summary judgment against you.  In most states the courts are jammed with these cases and it could take 18 to 24 months to get a judge to hear the case, but you must follow the above A,B, C's.

4.  Assuming you do owe the debt, tell them the debt is in dispute as the credit card company overcharged fees and higher interest rates and that is why you are not paying.  This creates a mess for the debt collector as they don't know who to believe.  Furthermore, you will not pay them even if they cut the debt in half becuase the bank has killed your credit and before you pay any money back the bank must remove the entire account from your credit report (I've had 7 removed already).  So, if they hit your credit bureau rating you can get it removed (which will take six months).

Stay cool with these Hyenas, don't get upset with these scavengers.  The cooler you stay, only discussing information regarding this debt, the more pissed off they will get.  Make sure you continue to ask them why are they getting so upset -- "I'm not mad at you why are you so mad at me" is the line I kept repeating.  

I found this phone call more like a sporting event.  Thoroughly enjoyable and i can't wait till they call again.

Lastly, if you do owe the debt and they continue to engage in this sport -- eventually you will be able to settle for 15% of the debt.  They will be so tired of you, knowing there is NOTHING THEY CAN DO TO YOU.  Regardless of what they say.  Remember, they purchased the debt for about 10% to 15% of what you owe.  If they collect more than 30% to 45% of the debt, they have to split it with the bank.  Therefore, after a while and your debt having gone from Hyena to Hyena in their company, the proprietor of this Vulture Ville will just want to get their cost back.

Good luck, stay strong and remember -- Unsecured Debt is just that Unsecured!!!  Touch [***] Credit Card companies -- let the consumers now have their revenge!!!

Nasty people @ Scott Lawrey!  Tim  and Catherine alled me 2X to harrass me about Christina who I don't know anything about.  Even when I told him that I knew nothing about her, he continued to harrass me with threatening language. What is wrong with them???

Dear P Scott Lowery Law Office: I am Marie E Wilson i am 87 year old lady my income is my Social Security and you can't take that away from her that her living. This home is not in her name anymore for at less 5 year. Her Disease is CHF and COPD  she is on oxygen 24/7 and one of your lawyer Had  threaten her to take her income and Her  home from her and His name is Jerry William we she for your call be stop now and stop bugging her at all the time I am her caregiver i told the to Mr. Jerry William that He can not upset her all.
Thank You
Marie E. Wilson

I have been receiving these calls too, they are harassing my Grand Daughter We have continually asked them to stop calling to no avail  Thank you for your advice

This Law firm has been harassing my family and job with constant calls.
It is upsetting to my family

These guys keep calling me looking for my Ex-wife, she is a deadbeat, so who knows. They called me three times in five minutes, and pretended that they had never called, when it was the say Russian [***] who just called me.

Caller ID 303-218-7550
Caller's name: Ken Dry
Call back number 866-202-0021 ext 1505

Message said Law Office of P Scott Lawry.

Caller ID 303-218-7550
Caller's name: Ken Dry
Call back number 866-202-0021 ext 1505

Message said Law Office of P Scott Lawry.

Found them on BBB.org

Business Contact and Profile

Name: Scott Lowery Law Office, P.C.
Phone: (303) 218-7550
Fax: (303) 218-7548
Address: 4500 Cherry Creek Dr. S #700

Denver, CO 80246
Website: www.lowerylawgroup.com 
Original Business Start Date: July 1999
Principal: Mr. P. Scott Lowery, President
Customer Contact: Mr David L Michael, Assistant Secretary - (303) 218-7550
Entity: Corporation
Incorporated: July 1999, CO
Type of Business: Attorneys
BBB Accreditation: This company is not a BBB Accredited business.
Additional DBA Names: P. Scott Lowery, P.C.
http://www.bbb.org/denver/business-reviews/at ... denver-co-35882