Consumer complaint received 2018-08-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting that the garnishment on my banking account be rescinded. I was informed by my credit union on Tuesday, XX/XX/XXXX, that my account had been garnished. I am left without funds to sustain from day to day. 

On Tuesday, XX/XX/XXXX, XXXX XXXX XXXX XXXX informed me that XXXX XXXX XXXX had issued a garnishment against my account. The credit union records show a judgment back in XXXX. The credit union financed a car for me just two months ago. If there was a negative judgment on my credit report this loan would have never been approved. 

I have never had a contractual financial agreement or any financial obligation with XXXX XXXX XXXX. I have no idea who they are nor how I am indebted to them nor what facts make up the amount in question, {$5900.00}. What evidence do they have that they have ever tried to reach me. I have lived at the same place for over 30 years and have worked at XXXX since XXXX. 

I used the internet to search XXXX XXXX XXXX, all NEGATIVE reviews. There are several ads suggesting you contact an attorney if you are being sued by XXXX XXXX XXXX. I contacted two attorneys that suggested bankruptcy as the solution and one attorney suggested the statement below : __________________________________________________ Ms. XXXX : The garnishment action is based on a default judgment granted in XXXX of XXXX. Do you remember that? I would also advise you to go to the XXXX Court to see the return of service, how were you served? Unfortunately, too much time has passed for you to ask for a new trial. You can cancel your direct deposit and get a paper check or open a new account to regain control of your funds. Once you do this, they may agree to some kind of payout. I don't think there's much an attorney can do for you that you couldn't do on your own, I wish you the best. 
___________________________________________________ I am not sure how or when the judgment was granted back in XX/XX/XXXX. I have never been served or notified, to my knowledge, of any judgment. If XXXX XXXX XXXX was able to locate my place of banking, they surely could have located my place of employment and served me at work before they garnished my banking account. The credit union is on the XXXX XXXX and I work on the XXXX XXXX of the same building and I have been in this same building since XXXX. This is such a drastic measure after 7 to 10 years. 

I am requesting a mediator and professional/legal assistance in identifying my financial obligation to XXXX XXXX XXXX. There is no attorneys that can help and I asked for advise from the Judge 's court and was told that they would not give advice. What am I to do? I am requesting direction. 

BRIEF BACKGROUND : In XXXX I lost my job after 32 years with XXXX, XXXX. I was unemployed until XX/XX/XXXX. I was employed by XXXXXXXX XXXX XXXXXXXX for $ XXXX annually, before deductions. I was eventually hired by the XXXXXXXX XXXX XXXX XXXX and XXXX XXXX in XXXX. During this period ( XXXX thru XXXX ), and due to the drastic salary change, I was no longer financially able to uphold my financial obligation with the creditors. I sent a letter to all of my creditors and the credit bureaus explaining my situation. During this time I experienced adverse financial hardship and poor credit ratings. 

Your assistance is needed and greatly appreciated. I have copies to share if they are needed.

Company response to consumer: Closed with explanation