Consumer complaint received 2022-10-12
Company: Collins & Hilton Asset Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2022, my wife and I received a civil complaint notifying us that we were being sued from a company called Accelerated Inventory LLC. My wife and I called Accelerated Inventory LLC on XX/XX/2022, and we spoke to a representative to ask them why we were being sued and why we were never notified that they had purchased the debt. The representative who answered the phone stated that they do not call or send correspondence and that that would've been done by an undisclosed company which we don't know who would be. Around that time my wife 's mother was hospitalized and surgery had to be performed requiring a lot of time out of us to handle her care before we decided to respond we wanted to review all of the bills and see how the interest was calculated as well as discuss with a debt consolidation company we use why this debt was not resolved as a part of our agreement. We sent letters to XXXX XXXX, accelerated inventory LLC and we were waiting for information about how the debt was calculated because we are in attorneys we didn't quite know how to respond without hiring an attorney which would cause his financial issues at the present moment with having to take time away to take care of our mother. We never received a response from the letter that was sent back on XX/XX/2022, so so we did some research online to find out how to handle these matters without having to hire an expensive attorney and sent that letter by certified mail to the court XXXX XXXX and the attorney and never received a response but we received a letter in regards to a final judgment which we do not feel like is fair because we don't know who this company is and we were never contacted prior to the attorney filing suit against us. 

1. XXXX XXXX reflects a {$0.00} balance on my credit report 2. Accelerated Inventory is not reported on my credit report with any outstanding balances. 
3. The representative we spoke to on XX/XX/2022, stated that they do not attempt to collect the debt and an undisclosed company does debt collection. The representative did not provide us our options to get the documents we requested. 
4. On XX/XX/2022, we sent another certified letter requesting information about the debt like payment history and interest calculation. 
5. We never received a letter of intent to sue or a demand letter which is required 30 days prior to the suit in the state of Florida under statute 501 under consumer protection laws under XXXX if we understand the law correctly. Accelerated Inventory did not attempt to collect this debt by placing it on our credit report, contact, or by demand letter by their attorney XXXX XXXX XXXX XXXX XXXX. Sued us before properly notifying us, did not explain our rights to dispute this debt, and we have not received the information to verify that the balance they are suing us for is accurate which we do not believe the balance is correct. 

We would like them to provide the documentation to validate this debt including the payment history and all interest accrued to be provided since we never received anything regarding the purchase of this debt until we were being sued.

Company response to consumer: Closed with explanation