Consumer complaint received 2024-01-29
Company: Stone Higgs & Drexler
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I learned that I had been garnished by a third-party debt collector Stone Higgs and Drexler after over {$230.00} was taken from my pay. I reached out to them to offer to settle this debt because I thought it was related to an auto repair debt that had been discharged in XXXX XXXX in XXXX, but this is a debt that I do not know of as I was a victim of carjacking and my purse was stolen in XXXX. I spoke with XXXX XXXX who told me I owe {$5500.00} I asked her if I could settle this debt for {$1100.00} she told me immediately " No '' and that XXXX would not accept my offer without ever presenting my offer to XXXX. She told me she would call me the next day, but she did not, she went out of town and I called but spoke with someone XXXX who informed me that XXXX XXXX was not in town. However, XXXX XXXX did state that I could pay her the {$1100.00} to stop the garnishment during the phone call, but I would still be obligated to pay them {$50.00} monthly. I asked if I filed for bankruptcy what would happen? XXXX XXXX told me that she would continue to file again and again after my bankruptcy was finished and would continue to file garnishments against me and she has. I took that as a direct threat. Now that she has filed another garnishment after accepting my payments she has made good on her threat, I then went to XXXX XXXX XXXX of General Session on XX/XX/XXXX, to file a Stay of Garnishment paying only a {$17.00} filing fee to stop the garnishment, I have been making payments regularly to Stone, Higgs & Drexler since XX/XX/XXXX, as the courts ordered for me to start paying. I started receiving letters from various attorneys in XX/XX/XXXX and XX/XX/XXXX. I reached out to Stone Higgs & Drexler who told me that I was late in XXXX of XXXX, so they refiled the garnishment, I told them I have my receipt for XX/XX/XXXX. Then I was told there was a late payment was for XXXX, then XXXX. I have those receipts also. If I missed a payment, it was an oversight as I have an impeccable payment history since I completed XXXX XXXX I also stated that I have experienced some memory loss. I asked Stone Higgs & Drexler to send me the original contract that I signed with them and with XXXX. I received an email with a copy of the XXXX contract but not one from Stone Higgs and Drexler meaning I have not contracted with them. The contract is for a bed that I don't know anything about and the original amount on the contract that I received was for a queen bed, dress mirror with a cash price of XXXX. I still have the bedroom furniture that I paid cash for at XXXX XXXX in XXXX. I also found that Stone Higgs & Drexler is a law firm that does not hold a valid license with the State of XXXX  Insurance and Commerce as a Debt Collector. I have sent XXXX a letter regarding this as well as a Cease-and-Desist Letter. This is something that was done online and not by me. This is not my signature. I have been wrongfully accused and sued. These people will not talk rationally, they yell and are disrespectful and rude. I attempted to settle the debt because I was trying to purchase a home but this stopped me. XXXX has also violated Data Privacy by willingly and knowingly selling my data to Stone, Higgs, & Drexler, a third-party collection agency that does not have a valid collection license registered with the State of XXXX ( see attached ). They should not be allowed to file a second garnishment while accepting my monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation