Consumer complaint received 2015-07-08
Company: BQ & Associates, P.C., L.L.O.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Consumer XXXX XXXX XXXX has been lodged in XXXX XXXX XXXX ( XXXX ) since XXXX XXXX XXXX due to XXXX. During the time she has been incapacitated the law firm of Brumbaugh & Quandahl, P.C. took advantage of the circumstances and filed a 'garnishment ' proceeding against XXXX XXXX 's bank account which holds Social Security XXXX funds ONLY. XXXX XXXX did not receive the summons and was unable to respond to the summons due to her inability to function XXXX, XXXX or XXXX. XXXX XXXX has since recovered her XXXX XXXX and some mobility but can not return to her home at this time. At no time has XXXX XXXX co-mingled her bank account with additional money. XXXX XXXX denies owing the law firm a debt and has maintained that position since XX/XX/XXXX. Brumbaugh & Quandahl began harassing XXXX XXXX about the account in XX/XX/XXXX. XXXX XXXX filed papers with the XXXX County Court on XXXX XXXX, XXXX making known ( in writing ) that she is permanently blind, head-of-household and her sole income is Social Security-Disability. XXXX XXXX has a stamped court copy. XXXX XXXX sent a 'certified ' letter XXXX XXXX XXXX XXXX XXXX XXXX ) to the law firm stating that her sole income is SSI. The law firm signed for the letter and XXXX XXXX has the receipt. XXXX XXXX attached a Social Security XXXX letter as proof positive of her federally protected sole income. XXXX XXXX presented a copy of the letter to XXXX County Court in Case No : XXXX. The law firm attempted to garnish the protected funds ( again ) in XX/XX/XXXX and was denied by the Honorable Judge XXXX due to 'time barred ' debt and protected income. The law firm ( to date ) continues to engage in the practice and pattern of garnishing funds that they know or should know are exempt. Brumbaugh & Quandahl, P.C. continue to engage in a legal process ( garnishment ) in an impermissible manner to reach exempt funds prohibited by law. They use a garnishment proceeding as a form of discovery device to satisfy an abuse of process resulting in damages to the consumer. It is the improper or unauthorized use of a legal process. XXXX XXXX XXXX is XXXX XXXX ) and does not ( under any circumstances ) co-mingle her federally protected Social Security XXXX bank account. The sole income in the account is Social Security XXXX income ONLY. XXXX XXXX can prove there is no additional income added to the account. XXXX XXXX XXXX XXXX has been intimidated by the law firm of Brumbaugh & Quandahl and was coerced into justifying the garnishment which they will suffer for through a complaint lodged with the Federal Deposit Insurance Corporation ( FDIC ) that has been alerted to investigate the garnishment. The law firm has been sued by consumers for attempting to collect 'time-barred ' debts as well as garnishing federally protected income accounts. XXXX XXXX has all pertinent documentation that she will be 'faxing ' the CFPB to verify and substantiate this complaint. XXXX XXXX has all written interaction with the law firm and XXXX County Court. XXXX XXXX is filing this complaint as an administrative process that will be tendered in court as evidence as she intends to file a federal lawsuit against the firm. She is seeking an attorney. XXXX XXXX will be filing complaints with the Nebraska Supreme Court, Nebraska Attorney General 's Consumer Protection Division ( AGO ) The Social Security Administration ( OIG ) the Federal Bureau of Investigations ( FBI ) and the FDIC. XXXX XXXX has attached lawsuits that will validate the law firms continual pattern of unethical practice. XXXX XXXX is a victim of 'time-barred ' debt and garnishment of federal protected funds levied by the law firm of Brumbaugh & Quandahl and in violation of Neb. Rev. Stat. Section 25-1563.01.

Company response to consumer: Closed with monetary relief