Consumer complaint received 2018-03-23
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Scott & Associates, P.C. a credit card debt collection agency representing XXXX XXXX XXXXXXXX XXXX not only threatened to sue me, but they actually did sue me and get a judgement against me signed by a Justice of the Peace in the small town in which I live. I told them their action was in direct violation of the laws of the land set forth by the Federal Trade Commission regarding debt collection against harrassment. I explained when they issued the card having XXXX $ on it I was going through a divorce and that after the divorce, my income had been drastically reduced, now an elderly fixed income, and I could no longer afford to pay this. That I was in poor health, with no vehicle and live mostly on social security which is taken up with a mortgage payment. They got a default judgement against me for not showing up when I was supposed to. There were many Cause Numbers and Affadavits which I will attempt to list, and last summer XXXX a man appeared at my door demanding payment. Nos. XXXX, by XXXX XXXX XXXX XXXX XXXX all papers mostly dated XX/XX/XXXX, XXXX, a Military Affadavit, Status Report pursuant to Servicemembers Civil Relief Act, and I was not in the military. I told them my XXXX XXXX  credit report law firm I pay XXXX/month had sent them a letter saying take the debt off her credit report, she no longer owes it and they replied today XX/XX/XXXX they would need a Power of Attorney from XXXX XXXX   before they would do business. By the way, XXXX XXXX has identity theft and illegal reporting found on my credit report and has successfully removed nine things. I was told to ignore these people and they would go away eventually and that I now owed nothing due to change of circumstance and income. I am being continually harrassed and the other four creditors I owed as a result of the divorce are being good and compliant because they know they are within the law for being so. I called Judge XXXX XXXX and spoke with him about the judgement and that they were not supposed to do that. He is a very nice man. I can't help but feel XXXX XXXX XXXX has something personal against me for some reason, but I don't know why because I banked there for 25 years with one insufficient fund in those many years. The information on Scott & Associates, P.C. in 10 states is helpdesk @ spalaw ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. Their attorney 's email address is XXXX. Three months ago in XXXX they notified me they understood my situation and one could not squeeze blood out of a turnip and they were dropping the case. Then they slipped in a judgement against me behind my back and no telling how much XXXX XXXXXXXX was out on the XXXX $ in legal fees and appearances and travel for XXXX hours from XXXX, Texas to my county seat. I have received letters saying to do something quick. The point is, their actions are ILLEGAL by definition of the FEDERAL TRADE COMMISSION of the United States of America 's debt collection laws and when I call them they say, this is a recorded line and is an attempt to collect a debt. I recommend to anyone reading this to beware of XXXX XXXX XXXX, XXXX, as their attorneys are uninformed regarding the laws of the United States government on Fair Credit Reporting Act and debt collection. I am an old woman with the best memory possible for my age, but I am being targetted and mistreated. I do not live in fear because I feel protected by my government, and this problem needs to be exponged from public records. I also feel the Scott attorneys are ignoring XXXX XXXX letters on my account. I plan to wait the 15 days asked for by the CFPB and then I will work on my complaint to the Attorney General of the United States against XXXX XXXX XXXXXXXX and the business practices when I banked there for 25 years. I encourage anyone with problems such as this to go the Attorney General 's website and file a complaint against their financial institution. That is how indictments are given to banks for unfair business practices. I want the CFPB to publish this drescription on consumerfinance.gov so that others can learn from my experience. I consent to publication.

Company response to consumer: Closed with explanation