Consumer complaint received 2018-02-12
Company: Credit Adjustments Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The options your form brought up did not provided the correct options for me to select. I was sent a letter from XXXX XXXX XXXX that I owed a specified amount to XXXX Hospital. I attempted to contact Credit Adjustments on 4 different occaasion during a 2 week period and was advised that they were unable to help me. I attempted to make a payment arrangement with them on each of these occasions and were told that I was not able to do this over the phone, i could only do so by filling out the form on the back of the letter that was sent to me, i advised them that I moved and the letter was not in my possession since my move. I was advised that, this was the only way to stop the garnishment. I contacted the court and asked the court if they were able to send me the letter of judgement against me to work something out with Credit Adjustments, i was advised by the courts that i should have been able to work that out with Credit Adjustments. I explained that i had tried 4 times and they wouldn't work with me, only that i had to fill out the form on the back of the letter. The court then gave me the lawyers name and phone number and advised that he would work with me. I called XXXX XXXX XXXX in XXXX, OH and was at first advised by his paralegal that they could not take a payment arrangement, that i needed to contact XXXX XXXX XXXX to make them. I advised that i made 4 attempts to do so and they would not work with me, she then advise that XXXX XXXX contact me back to discuss. from this conversation, he advise that when I received the garnishment paperwork from my employer that i could then file for a hearing that i disagree with the garnishment and another hearing would be made and he would consider a reasonable monthly amount at that time. I filed for a hearing and took vacation time to attend this hearing. When i arrived at the hearing, XXXX XXXX did not show up to court and only sent a letter to the judge stating he didn't see a reason for the hearing and asked the judge to keep the garnishment in effect. The judge had no way to decipher if i was telling the truth that XXXX XXXX was the one who had me schedule the hearing so that i could propose a more reasonable amount for my income as the law is set to take 25 % of employees disposable income, not taking into consideration, they have rent, car, insurance and utility bills to pay. I am seeking assistance from a Credit repair company and they upon hearing what had happened advised me to contact you and advise of my mulitple attempts to make payment. I had previously filed and gave all the pertinent information regarding Credit adjustments and your office had been unsuccessful in obtaining information from Credit Adjustments and had asked me to send in a copy of soemthing with Credit Adjustments address and phone number on it. I mailed the documentation on XX/XX/XXXX and somehow you never received it. The Case # is XXXX. I was advised by one of your reps to submit a new complaint and attach the documents to the new complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation