Taking/threatening an illegal action

Posted on Posted in Complaints, Debt collection, Finance

review

On XXXX/XXXX/XXXX my employer received a phone call from XXXX asking to speak with me. I was not working that day and when I did return to work they gave me the # and said the caller asked that I contact them right away. When I called I was told that they were attempting to collect a debt and that if I did not pay asap they would begin proceedings to have my wages garnished. They stated there was a judgement against me in the courts and that I would have to pay or make payment arrangements within 1-2 days. I told them I would need to call them back. They next called me directly on Friday, XXXX/XXXX/XXXX, and again asked me to make a payment. They offered a ” settlement ” of a lower amount for which they claim I owed. I asked to have the offer sent to me in writing and provide 30 days, they told me I did not have 30 days but they did say they would email a copy of the judgement and put the offer in writing. I advised them my wife would call them back on Monday. They called me on Mon morning, XXXX/XXXX/XXXX to ask when I could make a payment. I told them my wife would call soon. My wife called XXXX XXXX Mon, XXXX/XXXX/XXXX to ask questions. They did not send me any details via email but they told her I did, they attempted to bully her into payments but she asked for the case #, etc. It turns out they were using a judgement in the name of XXXX XXXX XXXX XXXX and were attempting to collect more money than the judgement was for. They connected her and the courthouse which backfired on them as she learned she could make payments to the courthouse. She called my wife after the phone call and asked how she wanted to pay- my wife responded- to the courthouse. The woman told her she did not have time if we wanted to take the ” offer ” my wife said put your offer in writing and provide 30 days and they refused. They still claim they emailed the details the previous Friday which was a lie. This companies name turned out to be Nations Recovery Center Inc in XXXX GA. The sad part of this scenario is that the original debt was related to a PREPAID credit card company- XXXX ( yes prepaid! ) that was paid down to a XXXX balance and was asked to close the account. They did not and continued to charge fees month after month until it reached an astounding amount ( over XXXX )!!

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