Product: Debt collection

This company obtained a default judgement against me for an early move out on a lease agreement for an apartment. 

The first issue is how they obtained this judgement to begin with. They served me at an address I lived at prior to ever even living in this apartment so because I never received notification that I owed them a debt or was being sued because I was never legally served. They obtained the judgement by default due to me not being present. Whats ironic about that is that they knew my current address but still chose to serve me at address from XX/XX/XXXX. According to my XXXX credit report, this company obtained a copy of my credit report on XX/XX/XXXX, which, showed my current address. However, when the lawsuit was filed XX/XX/XXXX, they still chose to serve me at an address from XX/XX/XXXX having knowledge of my address to properly serve me as my credit report clearly reflected where I live. 

I wasnt aware that I even owed a debt as I moved out of the apartment during bankruptcy and including them in my bankruptcy. It wasnt until all of my bank accounts were frozen due to a lien they placed against those accounts that any of this information was brought my attention. After pleading with the company to remove these liens and being told repeatedly that they were not willing to accommodate removing the lien off my bank account until they received $ XXXX in full, I asked for documentation about what this was regarding considering I didnt even know why they were indicating that I owed this amount, which brings me to my second issue. When I got the letter in the mail showing what they claimed I owed there were amounts included in that amount that had been discharged in bankruptcy. When I brought this to the attention of the collection agency, I was told it was only a couple of dollars difference anyways. I informed them that I was disputing the validity of the debt and the amount they are claiming I owe. They still refused to accommodate removing the lien from my bank accounts unless I was willing to furnish $ XXXX. This prompted to me to do further research at which point I realized that the funds in my bank account were exempt. I went to the court and filed a homestead exemption for those funds, called the company and advised them that I had filed this and they still refused to remove the lien from my bank account unless I agreed to furnish them with at least $ 2K, although they knew these funds were exempt under the VA homestead exemption. I explained to them that I was not going to accommodate that amount but I would agree to giving them {$500.00} and setting up an arrangement on what they claimed I owed. They continually refused until I flat out told them that they would either take that amount or they would not get any payment as a judge had already approved my motion to rehear this case and hear the exemption hearing I requested. Now keep in mind, I only agreed to any sort of payment arrangement period because they had me locked out of all my bank accounts for almost two weeks at this point, this was on XX/XX/XXXX. 

I went to court on XX/XX/XXXX where a judge approved my motion to rehear the case, as I am disputing the amount of money this company is claiming I owe. The judge also approved my motion to vacate the judgement against me. Since then I have received two letters in the mail from this company asking me to follow through with the payment arrangement we discussed. I called today and spoke with an agent and informed them that I was wondering why I was getting a bill regarding the payment arrangement when there was no judgement against me currently. I was first told that the call would not be continued or this matter would not be discussed with me unless I provided my current employment information and who I was banking with. After providing this information, I was then told that although the judgement had not been dismissed and I am still responsible for the debt. I explained to the agent that the judgement was dismissed and I was currently disputing the debt and she still told me I was responsible to pay them a {$500.00} deposit. I explained to her that they had already received a {$500.00} check directly from my bank as they made me sign this amount of money over to them in order to remove the lien from my account. The agent then informed me they have never received any {$500.00} payment from me period and no payments had ever been applied to that account. I told her that I had copies of receipts of the payment they had mailed me reiterating the agreement we had made. She still told me that they never received any payment from me and I owed {$500.00} currently. I let her know I would not be paying anything as I am currently in the process of disputing them in court regarding this debt and after the judge approved my motion to vacate the judgment I was informed I did not owe them a balance at this time and they would be forced to remove all liens from my bank accounts. 

Which now brings me to my final issue. After I advised the agent of this I advised her I would like this company to cease communication with me and anyone in relation with me regarding this matter. I explained I wanted to cease all letters and phone calls until this has been settled in court. At that time, I disconnected the call and called my bank asking them about the check supposedly never being sent. They then furnished me with a copy of the check which showed the endorsement the company used on XX/XX/XXXX to deposit this check that they claimed they had never receiced. I called the company back and spoke with the same agent. I asked her to speak with someone else as things had already been heated between she and I. She then explained to me there is no other agent I can speak with ever referencing my account as she is the manager of my affairs with the company. Nonetheless, I explained to her that my bank sent me proof they had cashed the check for the {$500.00} they are still claiming I owe. Keep in mind, I have no idea what this {$500.00} amount is for, but apparently thats besides the fact. The agent still advised me they never received any money regarding my account and I am responsible for this debt I am disputing regardless of the judge dismissing the judgement. She told me I could fax over a copy of what the bank sent me but the facts above still remained. I reiterated to her at that point to cease all communication of any form with me and continued to forward her an email and fax of the document the bank sent showing their endorsement on the check. In that email and fax, I reiterated for the third time to cease any further communication with me. The company then called my cell phone after I had reiterated multiple times to cease communication with me. 


This company has deliberately refused to take due process in serving me to inform me of the debt, continued to collect on a debt that I have repeatedly informed them I was disputing, refused to release funds they knew were exempt, given me misinformation, and continued contacting me after I have specifically stated that Id like to cease all communication. I dont think any consumer should be treated this way, especially someone who wasnt even aware they owed an alleged debt.