Consumer complaint received 2017-12-08
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XXXX XXXX XXXX I received a call from Midwest Service Bureau out of XXXX, Ks. Keep in mind XXXX somehow got hold of my mother cell number calling her about my medical debts with them. How he got my moms number I have no clue! But I think its wrong for them to be contacting anyone else other then the person this bill is issued too. In other words as of XXXX XXXX XXXX while I was on the phone I spoke with a guy named XXXX. I have a bill with them for XXXX XXXX XXXX in XXXX, Ks in the amount of XXXX. During this call I had went on to tell XXXX XXXX had sent them a letter in the mail about a month and half prior to this date in this letter stating when I could pay and how much I could afford which is XXXX bucks a month. XXXX went on to tell me I could n't make payments of XXXX dollars a month because of how much the bill is. He then went on to tell me the furtherest they would go is a 18 month payment plan of XXXX a month which being the only one in the house working at the moment I can not afford XXXX a month. He then went on to basically harass me saying if I cant pay the XXXX a month then I need to go get a consolidated loan from the bank I have an account with! I spoke with my bank today XXXX XXXX XXXX where I was told I could not get a loan due to I have several medical bills Im making payments on. If I paid them XXXX Id have no money to survive on or pay my other bills and medical bills with. I talked with XXXX today XXXX XXXX XXXX and had addressed to him what the bank told me and was further told that the best he could do is make it where I pay XXXX a month and I still cant even afford that much a month. Ive told him time and time again I cant afford more then XXXX bucks a month the XXXX of every month but he seemed not interested in what I could afford so that I can still make a living and survive. For him to suggest a loan from the bank is only because then they dont have to worry bout the money anymore cause they would have gotten the full amount and Id be stuck paying back more to the bank then what the bill they have on my account is worth. The people at Midwest Service Bureau are only interested in the full amounts or high payment that most people who live paycheck to paycheck cant afford! I told XXXX Id try and make a payment the XXXX of this month due to the XXXX is a holiday but Im only sending what I can afford and I will be keeping all my receipts as proof that Im trying and not just ignoring the bill so if they try to sue me or take me to court I have some good ground to stand on with the judge on paying what I as an average class citizen can afford. Id like for these types of problems to be addressed to companies like this who are only interested in full amounts and if you cant do the full amounts they go on to give you some bogus advice to go get loans just to end up in more debt. Then they go on to tell you that they cant accept what u can afford to do even though your trying its never enough for them.

Company response to consumer: Closed with explanation