Lloyd & McDaniel, PLC is a Louisville, Kentucky law firm that represents banks, financial institutions, leasing companies and other credit grantors in collections. A letter or lawsuit from the firm is on behalf of one of those clients.
- Type
- Collection law firm
- Also known as
- Lloyd & McDaniel
- Headquarters
- Louisville, KY
- Collects
- bank and financial institution accounts, leasing company accounts, commercial and retail accounts
- Phone numbers it lists
- (866) 548-2486
- Website
- lloydmc.com
299 debt collection complaints were sent to the Consumer Financial Protection Bureau about Lloyd & McDaniel, PLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Lloyd & McDaniel?
Lloyd & McDaniel, PLC is a Kentucky law firm focused on creditors' rights. Its website says that for more than 60 years it has served banks and financial institutions, leasing companies and other credit grantors, and its Martindale-Hubbell profile lists the firm as established in 1952. The firm's practice areas include commercial and retail collections, bankruptcy, commercial lending, real estate and foreclosure, and the Uniform Commercial Code.
Its office is at 700 N. Hurstbourne Parkway, Suite 200, Louisville, Kentucky 40222, with a mailing address of P.O. Box 23200, Louisville, KY 40223-0200. The firm's contact page lists (866) 548-2486 and an online form for complaints and disputes. Its website states that communications from it are from a debt collector, and it offers a Spanish-language version of the site.
Why Lloyd & McDaniel May Be Contacting You
As a collection law firm, Lloyd & McDaniel acts for its clients, so the creditor on the letter or court papers is the party that says you owe money. The firm's site describes those clients as banks, financial institutions, leasing companies and other credit grantors, which points to loans, credit accounts and leases. A contact from the firm might be a demand letter, a call or text about setting up payments, or a lawsuit filed in the client's name.
If a collection suit names you, the FDCPA's venue rule, described below, limits where it can be filed, wherever the firm's own office is.
How to Check a Debt Lloyd & McDaniel Says You Owe
Treat a law firm letter seriously, but remember that a letter is not a judgment.
- Read the validation notice. Like any debt collector, the firm must identify the creditor, itemize the balance and give a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing before the deadline. Use the firm's complaint/dispute form or mail to its P.O. box, and keep proof. Collection must pause until verification is sent.
- Ask who the client is and who owns the debt. If the original lender sold the account, you are entitled to the current creditor's name.
- Check for a lawsuit. If the letter mentions court, confirm with the clerk whether a case was actually filed and when your response is due.
- Consider limitations. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Kentucky and other states set their own periods.
What Lloyd & McDaniel Can and Can't Do
The Supreme Court held in Heintz v. Jenkins, 514 U.S. 291 (1995), that lawyers who regularly collect consumer debts, including through litigation, are "debt collectors" under the FDCPA. For a firm like this one:
- A consumer collection suit must be filed where you live or where you signed the contract (15 U.S.C. § 1692i).
- It may not threaten a lawsuit that the client has not decided to bring, or misstate what a judgment would allow (15 U.S.C. § 1692e(5)).
- Calls and texts are limited by Regulation F; more than seven calls in seven days about one debt is presumed harassing (12 C.F.R. § 1006.14(b)(2)).
- For Texas residents, a judgment on an ordinary consumer debt cannot be enforced by wage garnishment.
See where a creditor can sue you in Texas, or our FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Lloyd & McDaniel, PLC or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Lloyd & McDaniel: home page
- Lloyd & McDaniel: About
- Lloyd & McDaniel: Contact
- Martindale-Hubbell: Lloyd & McDaniel, PLC firm profile (year established)
- CFPB Consumer Complaint Database: Lloyd & McDaniel, PLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Lloyd & McDaniel, PLC has violated any law. Company details change; tell us if something here is out of date.