Product: Debt collection

this is my old complaint from XX/XX/XXXXOUR COMPLAINT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Unlawful Debt Collection Practices and Harassment To Whom It May Concern, I am writing to you in your capacity as State Attorney General to make you aware of unscrupulous and unlawful debt collection practices by XXXX XXXX XXXX XXXX XXXX and subsequent illegal harassment through its agencies XX/XX/XXXX, XXXX & XXXX, XXXX within the State of Ohio. I am sure if these events that are happening to me, they are also happening to hundreds of other individuals who owe student loans. It is a travesty of justice and needs to be stopped. On or around XX/XX/XXXX, I contacted XXXX XXXX XXXX ( XXXX ) XXXX, which is a Debt Consolidation Company to  consolidate my student loan debt which was owed to XXXX XXXX XXXX XXXX XXXX. This was supposed to help make it manageable for me to pay. The consolidation was to be handled through XXXX XXXX and the agreement was for one payment to XXXX and they would be disperse to each of the five loans for a fee of {$50.00}. As soon as I started paying, XXXX started harassing me for payment. I was sent a harassment letter stating that they were going to sue me and garnish my wages. They were contacting my employer between XX/XX/XXXX and XX/XX/XXXX. According to the Fair debt collection practices act, they can not threaten to sue or call your employer after you inform them to not contact employer. ( 806 Harassment or Abuse of the Fair and Accurate Transaction Act ) On or about XX/XX/XXXX, at approximately XXXX XXXX  a sheriff to my residence to provide me a return of service of summons. This is past the time allowed by law to serve papers. In the Court records the sheriff wrote that he served the paper at XXXX XXXX but this was an inaccurate statement as I work the third shift and was not home at that time and I have proof taken on my XXXX XXXX phone ( detail on account XXXX ) that my girlfriend took, as she was home when the papers were served. From XX/XX/XXXX, through XX/XX/XXXX, I made payments promptly and was never late. ( Statements from XXXX verifying attached ). XXXX, XXXX XXXX  XXXX, the law firm representing XXXX XXXX XXXX ( XXXX ), started requesting that my wages be garnished. I was forced to obtain legal counsel ( Mr. XXXX XXXX ), to negotiate the terms and stop garnishments, even though I was never late making payments to XXXX. An agreement was reached on XX/XX/XXXX through the attorneys, and we agreed that I would pay {$120.00} per loan for five loans, or {$600.00} per month. On XX/XX/XXXX, they filed again for garnishment while I was making payments on time. The first payment under this new agreement was due on XX/XX/XXXX. Despite knowledge of the due date, XXXX, XXXX XXXX  XXXX executed a wage garnishment on Plaintiff on XX/XX/XXXX, in violation of the spirit of the payment agreement. I had to go to Court to stop this illegal garnishment of my wages. On my Court date of XX/XX/XXXX, I explained to Judge XXXX that I had not missed any payments and that I was doing everything in my power to pay and could prove my payment history. Judge XXXX said that we had to negotiate terms within 10 days and get back to the courts. On the last day, XXXX XXXX, attorney with XXXX, XXXX XXXX  XXXX called to negotiate terms. He admitted that the reason for garnishment was because the payments were not being applied accurately on their part, which went against the agreement. During the negotiation for payments on the phone, I stated what I would pay and asked what his counter would be. Mr. XXXX refused to negotiate with me even knowing he was in the wrong and this now put him in contempt of court. The judge called the law firm to speak with him and he received no response. I have listed the following abuses I have suffered from the illegal ATTACHMENTS Y : XXXX XXXX ( XXXX KB ) Y : XXXX XXXX  ( 2.4 MB ) Y : XXXX XXXX XXXX XXXX XXXX  ( 2.6 MB ) Y : XXXX XXXX ( 101.9 KB ) Y : XXXX Release.pdf ( 107.9 KB ) Y : XXXX XXXX XXXX  ( 936.3 KB ) Y : XXXX & XXXX XXXX 12.2 MB ) Y : XXXX XX/XX/XXXX [ 1 ] .pdf ( 203.4 KB ) Y : XXXX & XXXX XXXX 12.2 MB ) Y : XXXX XXXX XXXX  ( 443.9 KB ) Y : XXXX XXXX  ( 77.2 KB ) View full complaint