If you received a text from shortcode 47327 or a call from 877-214-3355 about a medical bill you never saw, you are not alone. According to BBB records, Lockhart, Morris & Montgomery, Inc. has accumulated dozens of complaints, with consumers allegedly describing collection attempts on medical debts tied to third-party lab billings they never received. If that matches your situation, call +1-844-638-1122 for a free case review with The Wood Firm PLLC.
Key Takeaways
- Richardson, Texas-based third-party debt collector founded in 2007; collects medical, telecommunications, and financial services debt; operates as LMM or lmminc.com
- Named as a defendant in over 50 federal lawsuits alleging FDCPA violations, according to federal court records, including allegations of misrepresentation and failure to properly identify creditors
- Consumers have allegedly reported contact about medical debts traced to third-party lab billing that never reached them, one of the most documented complaint patterns in BBB filings
- The FDCPA requires collectors to send a written validation notice within five days of first contact; if LMM’s text or call came before any letter, that sequence may be the basis of a federal claim
- FDCPA violations can carry up to $1,000 in statutory damages; TCPA violations from unauthorized text messages can carry $500 to $1,500 per message
- The Wood Firm PLLC handles these cases on contingency: no upfront fees. If LMM violated federal law, they pay the firm’s fees
Free Case Review: +1-844-638-1122
Who Is Lockhart, Morris & Montgomery?
Lockhart, Morris & Montgomery, Inc. is a third-party debt collection agency headquartered in Richardson, Texas. Founded in 2007 and operating its website since 2015, the company collects medical debt, telecommunications balances, and financial services accounts on behalf of original creditors and as a purchaser of debt portfolios.
The company is a member of the Receivables Management Association International (RMAI), an industry compliance organization, according to RMAI membership records. Despite that affiliation, court filings allege the firm has engaged in collection practices that violate federal consumer protection law.
- Also Known As: LMM, lmminc.com
- Address: 1401 N Central Expy, Suite 225, Richardson, TX 75080
- Phone: 877-214-3355 | (877) 214-3355 | +1-877-214-3355 | 8772143355 | Secondary: 214-522-6424 | (214) 861-7201
- Text Shortcode: 47327
- Website: lmminc.com
- BBB Profile: Lockhart, Morris & Montgomery BBB listing
Phone Numbers Lockhart, Morris & Montgomery Uses
Consumers searching a number online to identify who called them are dealing with one of LMM’s documented outbound lines. The following numbers appear in consumer complaints, BBB filings, and court records:
- 877-214-3355 | (877) 214-3355 | +1-877-214-3355 | 8772143355. LMM’s primary line, documented in BBB complaints and CFPB filings
- 214-522-6424 | (214) 522-6424 | +1-214-522-6424 | 2145226424. Secondary Richardson, Texas number associated with the firm
- 214-861-7201 | (214) 861-7201 | +1-214-861-7201 | 2148617201. Additional number reported by consumers
- Text shortcode 47327, used for outbound debt collection texts; legitimate LMM shortcode, not a spoofed number
Consumers have reported 877-214-3355 on caller ID lookup platforms as belonging to a debt collector. If a different local area code appeared on your caller ID, LMM may be using local number presentation, a practice worth documenting if calls persist.
Who Does Lockhart, Morris & Montgomery Collect For
Lockhart, Morris & Montgomery collects for major medical providers, hospitals, and third-party diagnostic labs, as well as telecommunications companies, including AT&T and Verizon, and financial institutions. In some cases, they purchase older debt portfolios outright, which means they may be contacting you about a debt originally owed to a creditor you no longer recognize.
The medical debt component is where confusion most commonly starts. When you have hospital services, lab work is frequently sent to a separate third-party facility for analysis, and that lab bills you independently. If their records had an outdated address or email, the bill may never have reached you, and the first notice you receive is a collection call or text.
Why Is Lockhart, Morris & Montgomery Calling You
Lockhart, Morris & Montgomery is calling you because a creditor assigned or sold your account to them for collection. The call pattern that generates the most complaints involves accounts where no prior written notice ever reached the consumer, which is the core legal issue in many of the federal cases filed against them.
Under the FDCPA, a collector must send a written validation notice within five days of first contact. In our practice, LMM files frequently involve a text or call arriving before any letter. If you received shortcode 47327 before a written notice from LMM, that sequence is worth documenting.
One documented scenario: a consumer received surgery, provided insurance at check-in, and expected only a standard copay. Roughly a year later, a collection letter arrived claiming additional balances because the insurer paid less than anticipated on a third-party lab claim. The lab had never sent a separate bill.
What the Text From Shortcode 47327 Actually Means
A text from shortcode 47327 referencing a “Parc.Ref#” and requesting a Social Security Number looks like a scam. It is not. Shortcode 47327 is LMM’s documented outbound text line, and they use it for legitimate collection texts.
That said, you should not provide your SSN by text. Reply “STOP” to pause further texts, then request written validation by mail before providing any information. The TCPA governs text message debt collection, and if LMM texted you without prior express consent, each text can carry statutory damages of $500 to $1,500.
Has Lockhart, Morris & Montgomery Been Sued?
Yes. Lockhart, Morris & Montgomery has been named as a defendant in over 50 federal lawsuits alleging FDCPA violations, according to federal court dockets. Key cases include:
- Karcher v. Lockhart, Morris & Montgomery, Inc., No. 5:2025-cv-00067 (M.D. Fla.): filed in early 2025, allegations pending in federal court
- Diggs v. Lockhart, Morris & Montgomery, Inc., No. 1:17-cv-03367 (N.D. Ill.): plaintiff alleged the firm sent collection letters that failed to identify the creditor as required under 15 U.S.C. § 1692g
- Wright v. Lockhart, Morris & Montgomery, No. 0:14-cv-62653-JIC (S.D. Fla.): FDCPA claims involving alleged collection practice violations
- Franz v. Lockhart, Morris & Montgomery, No. 2:11-cv-02307-KJM-DAD (E.D. Cal.): early federal case asserting improper collection conduct
- Thompson v. Lockhart, Morris & Montgomery, No. 3:15-cv-00465-BJD-JRK (M.D. Fla.): FDCPA violation claims
- Ingham v. Lockhart, Morris & Montgomery, No. 1:16-cv-24255-PCH (S.D. Fla.): FDCPA violation claims
When we open an LMM file, we pull chain-of-title records immediately. This is a company that sometimes collects purchased debt portfolios, and the documentation showing they actually own the account, and that the balance is accurate, and that is where collection agencies most commonly cut corners.
Is Lockhart, Morris & Montgomery a Scam
Lockhart, Morris & Montgomery is a real, licensed debt collection agency, not a scam operation. Licensed does not mean every tactic is legal. Their phone number is genuine, their shortcode 47327 is registered, and they maintain a Google rating from hundreds of reviews. Impersonation reports do not appear in their documented complaint history.
What the complaint record does show, according to BBB filings and federal court records, is a pattern of collections on medical debts where consumers reportedly never received a prior bill, and letters that allegedly failed to properly identify the original creditor. Those are distinct legal questions from whether the company is fraudulent.
Is Lockhart, Morris & Montgomery Banned by the FTC?
No. Lockhart, Morris & Montgomery has not been subject to an FTC enforcement action or ban. The company is a current RMAI member and operates as a licensed agency in Texas.
What does exist is a private litigation record of over 50 federal lawsuits, CFPB complaints documented in public databases, and BBB complaint filings, according to those respective sources. Absent an FTC order, those records are the primary enforcement signal. If you are looking for where LMM has faced formal accountability, the federal court dockets are the starting point.
Can Lockhart, Morris & Montgomery Report to Your Credit?
Yes, LMM can report unpaid accounts to the major credit bureaus, but that reporting must comply with the FCRA. If they report a debt before sending a validation notice, or report inaccurate balance information, the credit entry itself may be the basis of a federal claim separate from any FDCPA issue.
A specific scenario that appears in LMM complaint patterns: a consumer disputes an account, the tradeline temporarily disappears during the investigation period, then reappears after LMM re-verifies. The date that governs the seven-year reporting window is the original date of first delinquency, not the re-reporting date. If LMM is using a more recent date on the reappeared entry, that is reportable to the CFPB and potentially actionable under the FCRA.
How The Wood Firm PLLC Helps Stop LMM Debt Harassment
When we open a Lockhart, Morris & Montgomery file, we look at three things first: whether a written validation notice arrived before any call or text, whether the creditor chain of title is clean, and whether the balance includes interest or fees not authorized by the original account agreement. LMM’s medical debt portfolio creates specific documentation gaps: third-party lab accounts frequently lack a clear billing trail from the original service date, and purchased portfolios sometimes arrive with abbreviated or altered creditor names that obscure the chain. These are the exact pressure points the firm examines.
The Wood Firm PLLC represents consumers exclusively and has never represented a creditor or debt collector. The firm operates on contingency: no upfront fees, and if LMM violated federal law, they pay the firm’s fees. After you call, the firm reviews your situation, requests the documentation it needs, and sends a written demand requiring LMM to cease contact while the file is under review. To speak with the firm directly, call 844-638-1122.
If LMM texted you before sending written notice, or if a collection entry appeared on your credit report before any validation letter arrived, those patterns are worth reviewing with an attorney. Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency. If they violated federal law, they pay our fees.
Frequently Asked Questions
Who is Lockhart, Morris and Montgomery
Lockhart, Morris & Montgomery is a Texas-based third-party debt collection agency founded in 2007, headquartered in Richardson. They collect primarily medical, telecommunications, and financial services debt, sometimes as a purchased portfolio buyer and sometimes as a third-party servicer for original creditors.
Who does Lockhart, Morris and Montgomery collect for
Lockhart, Morris & Montgomery collects for major medical providers, third-party diagnostic labs, telecommunications carriers including AT&T and Verizon, and financial institutions. They also purchase older debt portfolios, which means the original creditor name on your account may no longer match who is actually contacting you.
Is the text from shortcode 47327 legitimate
Yes, shortcode 47327 is Lockhart, Morris & Montgomery’s documented text line, not a scam. Do not provide your Social Security Number by text; reply STOP to pause further texts and request written validation by mail before engaging further.
Is Lockhart, Morris and Montgomery legit
Lockhart, Morris & Montgomery is a real, licensed debt collection agency operating legally in Texas. That said, court filings allege collection practices that violate the FDCPA, including letters that allegedly failed to identify the original creditor and contact before written validation was sent.
Can Lockhart, Morris and Montgomery sue you
Yes, Lockhart, Morris & Montgomery can sue to obtain a court judgment, and only with a judgment can they pursue wage garnishment. If you have received court papers, respond before the deadline. Ignoring a lawsuit results in a default judgment that gives them collection tools they would not otherwise have.
Lockhart, Morris and Montgomery is on my credit report: what do I do
If the debt is not yours or is inaccurate, dispute it directly with all three bureaus and send LMM a written validation demand. If they cannot validate the account, they must cease collection activity and remove the tradeline. That obligation is statutory under the FDCPA and FCRA.
Why did the Lockhart, Morris and Montgomery entry reopen on my credit report
What looks like a reopened entry is usually the same debt being re-reported after a dispute investigation. The seven-year reporting clock runs from the original date of first delinquency, not the re-reporting date. If LMM is using a more recent date after re-reporting, that inaccuracy is a separate FCRA dispute.
Can Lockhart, Morris and Montgomery garnish my wages
No, not without first suing you and obtaining a court judgment. A collection call or letter alone does not give LMM any wage garnishment authority. That requires a judicial order.
Your Next Step If Lockhart, Morris & Montgomery Has Contacted You
The two most actionable things you can do right now are save every voicemail, text, and letter LMM has sent and pull your credit report at annualcreditreport.com to check whether any entry appeared before a written notice arrived. Those two data points tell us quickly whether an FDCPA or FCRA claim exists. The Wood Firm PLLC focuses exclusively on consumer protection, reviews LMM files at no upfront cost, and has never represented a creditor or collector. Call +1-844-638-1122 to get started.
Consumer protection attorney with 15+ years representing consumers exclusively, never a creditor or collector. Admitted in federal courts across 9 districts, including all courts of AR, CO, NM, and TX. Based in Little Rock, AR. LMM files frequently involve medical debt traced to third-party lab billing, a chain-of-title issue that arises in both FDCPA and FCRA claims. Jeff Wood has handled cases where the original creditor name on the collection notice was abbreviated to the point of obscuring which facility actually originated the account.
