Frequently Asked Questions

Lockhart, Morris and Montgomery, Inc. is a third-party collection agency operating nationwide and headquartered in Richardson, Texas. Since our establishment in 2004, we have been determined to reinvent the public perception of the collection industry by building honest relationships with both the clients and consumers we serve.

Yes, Lockhart Morris & Montgomery is a legitimate debt collection agency that meets licensing, bonding, and insurance mandates where required. We work with clients from all industries to accomplish solutions for their outstanding accounts.

For more information see https://www.lmminc.com/about-us/

We do not approach consumers with a pay-it-or-else mentality and understand that unique circumstances surrounding individual accounts typically benefit from a positive attitude, realistic solutions, and attainable goals.

Our personal touch to receivables management provides unparalleled quality of service to consumers and clients alike.

We make contact as easy as ever.

Call us at (877) 214-3355 during business hours, which are Monday through Friday from 8AM to 5PM CST.

If you prefer to contact us via mail, our mailing address is: 

Lockhart, Morris & Montgomery, Inc.
1401 N Central Expy,
Suite 225
Richardson, TX 75080

We accept payment over the phone at (877)-214-3355.

If you’d prefer to pay online, you can do so through our online payment portal. 

You can also pay by mail. Our mailing address is:

Lockhart, Morris & Montgomery, Inc.
1401 N Central Expy,
Suite 225
Richardson, TX 75080

Lockhart, Morris & Montgomery, Inc. complies with the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from sharing information about a consumer’s account with anyone other than the account holder and authorized parties as permitted by the account holder or applicable law. To ensure that LMM is speaking with the correct account holder, LMM may ask you to verify your identity. Additionally, providing accurate personal details allows us to offer appropriate solutions and assist you in resolving your debt efficiently.

Aside from setting up a payment plan and bringing accounts up to date, you also have the option to submit  a written request for us to cease communication. Make sure to include your name, address, and relevant account details. You may send your written request by regular mail or by certified mail with a return receipt requested to confirm its receipt.  

We will cease contact once we receive your request, except to inform you of any specific actions we may take as permitted by the FDCPA.

If you don’t recognize the debt we’re reaching out to you about, please contact us by phone at 877-214-3355 or by mail at:

Lockhart, Morris & Montgomery, Inc.
1401 N Central Expy,
Suite 225
Richardson, TX 75080

You may also send a written dispute to the address provided above. We will be happy to assist you in understanding the details and to investigate a dispute. Our goal is to ensure that you are treated fairly and to provide the information you need.

Yes, Lockhart, Morris and Montgomery, Inc. is a data furnisher that provides information about consumers’ credit activity to the credit bureaus, based on authorization from our clients.

Lockhart, Morris & Montgomery, Inc. contacts consumers through a variety of methods to inform and communicate with them regarding outstanding matters. Our team members strive to be helpful, supportive, and compassionate in all interactions.

Lockhart, Morris and Montgomery, Inc. is unable to provide guidance on how an account, payment, or non-payment might affect your credit score. For detailed information about your credit score and its impacts, we recommend contacting the three major credit reporting agencies—Equifax, Experian, and TransUnion—directly.