Who Is Lockhart Morris & Montgomery? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Lockhart Morris & Montgomery
- Address to send a debt validation letter
- Lockhart, Morris & Montgomery, Inc. 1401 N Central Expy, Suite 225 Richardson, TX 75080
- Phone
- 1-877-214-3355
- Official website
- https://www.lmminc.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Lockhart, Morris & Montgomery (also known as LMM Collections) is a Richardson, Texas-based third-party debt collector operating nationwide. If LMM is contacting you, send a debt validation letter in writing to confirm the debt is yours and the amount is accurate before paying.
Has Lockhart, Morris & Montgomery been the subject of legal action?
Yes. In Whaley v. Lockhart, Morris & Montgomery, Inc. (68th Judicial District Court, Dallas County, Texas, jury verdict September 12, 2012), a Dallas jury found the company violated the federal FDCPA, the Texas Debt Collection Practices Act, and the Texas Deceptive Trade Practices Act in its handling of a consumer’s account. LMM has also been named as a defendant in more than 50 additional federal FDCPA cases over the years, per PACER records, with recurring allegations that it reports collection accounts to credit bureaus before making any prior written contact with the consumer. If that’s happened to you, see credit report dispute for how to challenge an account you were never notified about.
Questions & Answers
Is Lockhart Morris & Montgomery a legitimate debt collector?
Lockhart Morris & Montgomery shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Lockhart Morris & Montgomery from calling me?
Under the FDCPA, you can send Lockhart Morris & Montgomery a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Lockhart Morris & Montgomery?
Send a written debt validation request to Lockhart Morris & Montgomery's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Lockhart Morris & Montgomery on my credit report?
If Lockhart Morris & Montgomery is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team