Consumer complaint received 2019-06-15
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2017, I underwent a XXXX by and through XXXX XXXX XXXX XXXX. After the XXXX, I owed a balance to XXXX XXXX in the amount of approximately {$2200.00}. At the time, I was working with the billing office attempting to set up a payment plan. However, due to the amount of the payments for the plan, I was unable to continue paying the full amount and was attempting to pay what I could afford. The bill was sent to a collection company Puget Sound Collections ( hereinafter referred to as PSC ). PSC contacted me and discussed the situation. We agreed to a payment plan, and I was to receive a promissory note from the company that confirmed the payments, amount, etc. At no time did I receive a promissory note from PSC, and under the law, I am protected from making payments without validation and verification of the debt.

I contacted PSC  and did not receive a very nice response. In fact, I was threatened with legal action. I filed a complaint with the State regarding the threatening message, and heard nothing further.

A year and a half later, I was served with a lawsuit. This complaint is in regards to that lawsuit and PSC 's deliberate attempt at destroying me both financially and personally.

Due to some hard times my family has fallen on ( 4 XXXX XXXX in less than 6 months between my husband and I ; job loss for both my spouse and I ; two XXXX XXXX, one life threatening that almost killed my husband ) I hired a company called XXXX XXXX XXXX to assist me in being responsible, and cleaning up all of our debts. XXXX XXXX XXXX is an alternative to Bankruptcy, which I am fully qualified for right now due to the extreme hardship I am under. It is my understanding from XXXX XXXX XXXX and my attorney by and through XXXX XXXX XXXX that my file with PSC has been noted as " no settlement/no negotiation ''.

XXXX XXXX XXXX has made a diligent effort to resolve this matter with PSC and they are refusing. Stating that they want to obtain a judgment as opposed to working out a payment plan through my Debt company and attorney. PSC is deliberately attempting to destroy my credit, and my future by obtaining a judgment. PSC has been offered an amount to settle, and I have offered to pay the full amount through XXXX XXXX XXXX in order to resolve this debt, and pay my obligation, however PSC continues to state they will not settle, or accept any payments and thus are going to move for a judgment against me wherein they will receive {$0.00} as I am unemployed.

I would like action taken against PSC for unfair tactics and deliberate abuse towards a person. If PSC  is unwilling to accept a payment plan for the full amount, I am not above filing for Bankruptcy and wiping out the debt completely. However, I would prefer to continue working with XXXX and continue being responsible and paying my obligations so that my future is bright, not destroyed by a medical debt and an irrational, unprofessional debt collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation