Is Lockhart, Morris & Montgomery, Inc. on Your Credit Report?
Short answer: Lockhart, Morris & Montgomery, Inc. (Lockhart Morris and Montgomery) is a real, legitimate collection law firm based in Irving, TX. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Lockhart, Morris & Montgomery, Inc.?
Lockhart, Morris & Montgomery, Inc. is a collection law firm headquartered in Irving, TX, handling consumer debt collection and related litigation for creditor clients.
You may also see this company on your report or in letters as: Lockhart Morris and Montgomery, LMM.
What most people don't know about Lockhart Morris and Montgomery:
Lockhart, Morris & Montgomery operates as both a collection agency and law firm, which means it can escalate a placement to litigation faster than a non-attorney agency in some states.
Why Is Lockhart Morris and Montgomery on My Credit Report?
Lockhart, Morris & Montgomery, Inc. typically collects consumer accounts, deficiency balances. A collection like this usually lands on your report because:
- ✅ An original account (a consumer accounts, for example) went unpaid and was charged off.
- ✅ The account was placed with Lockhart, Morris & Montgomery, Inc. to collect on behalf of the original creditor.
- ✅ Lockhart, Morris & Montgomery, Inc. furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When Lockhart Morris and Montgomery Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send Lockhart Morris and Montgomery a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the Lockhart Morris and Montgomery tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that Lockhart Morris and Montgomery stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," Lockhart Morris and Montgomery can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars Lockhart Morris and Montgomery from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With Lockhart Morris and Montgomery
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the Lockhart Morris and Montgomery entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Lockhart, Morris & Montgomery, Inc. — Frequently Asked Questions
Is Lockhart, Morris & Montgomery, Inc. a scam or a legitimate company?
Lockhart, Morris & Montgomery, Inc. is a real, registered collection law firm headquartered in Irving, TX. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like Lockhart Morris and Montgomery, so always demand written validation before paying anything.
Why is Lockhart, Morris & Montgomery, Inc. on my credit report?
Lockhart, Morris & Montgomery, Inc. is a collection law firm headquartered in Irving, TX, handling consumer debt collection and related litigation for creditor clients. It most commonly collects consumer accounts, deficiency balances. It likely appeared after an original account went unpaid and was placed with them for collection. Lockhart, Morris & Montgomery operates as both a collection agency and law firm, which means it can escalate a placement to litigation faster than a non-attorney agency in some states.
Can Lockhart, Morris & Montgomery, Inc. be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported Lockhart Morris and Montgomery collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Lockhart, Morris & Montgomery, Inc. cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Lockhart, Morris & Montgomery, Inc. or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to Lockhart Morris and Montgomery.
How long can Lockhart, Morris & Montgomery, Inc. report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Lockhart, Morris & Montgomery, Inc. acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Lockhart, Morris & Montgomery, Inc. sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Because this type of entity is more likely to litigate, acting early matters.
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