Consumer complaint received 2018-06-12
Company: Collection Professionals, Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XX/XX/XXXX sometime I was served for a judgement against me for Collection Professionals Inc. in XXXX  Wyoming. I did not receive any other type of communication from them explaining the debt I owe, how much, or to whom I owed. In XX/XX/XXXX they garnished my wages. I was unaware that they were going to do so because I didn't receive any type of communication once again from their company. I found out because the company I work for sent me something in the mail. They garnished around 400.00 dollars every two weeks. I had assumed I was finished paying my debt with this garnishment, because once again I received no communication from there company, and my judgement was no longer on XXXX, XXXX or XXXX credit reporting agencies as it was in the past.I recently received a notice in the mail from the company I work for that I was going to be garnished. This blew me away because I have still heard nothing from Collection Professionals Inc. I am a family of XXXX   and the only one working and due to recent health issues I struggled to work fulltime. I called Collection Professionals Inc. and explained my situation. The man I spoke with was rude and threatening, he told me they could not work with me and the garnishment would go on. I then asked how much I owed because I haven't received anything from them. He told me over 11,000.00 dollars. I knew something had to be incorrect, so I asked him if he could send me something in the mail in order for me to verify my debt. He said he would so I made sure he had my correct address. I waited for a week or so, and when I didn't receive anything in the mail from this company I went there to speak with someone in person. This time it was a female, I spoke to. I explained my situation and I asked if they could let me make payments instead of garnishing me so that my family and I could still survive. She spoke with her supervisor and said unfortunately I am stuck with the garnishment, she was nice and I could tell she felt bad. I then told her I still haven't received any type of communication showing how much I owe or to whom I owe it. She then printed me off some papers but indicated they were not very detailed so she would send me some in the mail as well. I waited and about a week later I did receive more papers in the mail from Collection Professionals. Most of my debt was medical and from XX/XX/XXXX, and because I can't afford an attorney I researched Wyoming Statute of Limitations. My understanding is that the debt is past the statute of limitations and they shouldn't be able to collect it. They last garnished me in XX/XX/XXXX and because it had been 4 years since they garnished me on this judgent it went dormant and they should be able to garnish me now due to the law in Wyoming. When I looked at papers I received from Collection professionals I didn't see where I had even gotten credit for my garnishment in XX/XX/XXXX. There are several things that are wrong with this whole situation, and now I was forced to work full time regardless of my health because of this garnishment and I still can't pay my bills because they are taking around 400.00 dollars out every two weeks.

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