Consumer complaint received 2023-12-17
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a citation from XXXXXXXX XXXX  on XX/XX/XXXX. XXXX was suing me in the amount of {$3600.00} for an account I opened on XX/XX/XXXX. The requesting attorney was listed as XXXX XXXX XXXX. I contacted Eaton Group shortly after to make payment arrangements to avoid going to court. XXXX XXXX was the person i communicated with, we agreed on a monthly payments of {$100.00} on the XXXX of the month. she sent over the consent judgement, I signed it acknowledging the debt, and mailed it back. I made my first payment on XX/XX/XXXX. As you will see in the pictures provided most payments were made after the due date. When my payment was going to be late, sometimes I would call and speak to XXXX XXXX and she would explain that as long as the payment was made before the end of the month before Eaton group reported it would be approved. Most times I didnt call instead I made my payments online on Eatons Group website and received an approved receipt. On XXXX XXXX at XXXXXXXX XXXX I called Eaton Group and spoke with XXXX XXXX, she basically told me that my account was about to be suspended and a wage garnished was about going to be filed and I needed to pay XXXX to stop the filing process I paid the amount and called her back to notify her. I called Eaton back on XXXX XXXX at XXXXXXXX XXXX  to notify XXXX XXXX that I wasnt going to have my payment in by XXXX and I would pay on XX/XX/XXXX when I received my paycheck. XXXX XXXX told me a petition for garnished had been it filed because I defaulted on the payments. She said because I didnt make my payment on the XXXX of XXXX, I explained that make most of my payments after the XXXX and they are always approved. She asked did I received a letter in the mail on the XXXX? I had no idea what she was talking about until I went to the court house and asked for all judgement and pleading in my name. A letter was had a date of XXXX XXXX, i believe its a copy of the broken payment, which doesnt specific which payment they are talking about. Yes I signed a consent judgment but it doesnt state what a partial payment or what late payment is considered as. I would like to know why XXXX XXXX didnt say anything about the letter thats was dated XX/XX/XXXX doing on phone call on XX/XX/XXXX when we spoke. I would also like to know why a letter was sent to my job several month before the garnished was file asking did I work there? I didnt see a copy of that in your Court files either, Eaton group has all my contact information so I dont understand what was the reason for the letter sent to my job. The garnishment was filed until XXXX XXXX at XXXXXXXX XXXX When we spoke XXXX XXXX XXXX stated I had to pay the entire balance of {$3300.00}, the balance should have been XXXX before the court cost and filing, I would have been able to paid that amount off had XXXX been honest and transparent and gave me a reasonable time to make the payment. I wasnt given any time to pay the debt before it was filed for garnishment. Just a bunch of lies and misleading information.I wasnt given a fair chance to stop the garnishment. The garnishment should have never been enforced, why wasnt a copy of all my payments submitted with court files. After XXXX I couldnt reach Eaton group by phone I never had any issues with them answering the phone until I found out about the garnishment, I called XXXX XXXX who is the original creditor to try to make some type of payment arrangement to avoid the garnishment, they told me that they didnt have any information on my account I had to contact Eaton Group , I dont understand how they didnt have any information. I called the and spoke with someone in the garnishment department and explained to them that my wages were going to be garnished and the debt collectors wasnt answering the phone she gave me a number and told me to ask for XXXX XXXX, I called the number and spoke with XXXX XXXX she directed me to XXXX XXXX XXXX I left a voicemail he never returned my call, I called again and explained my situation to XXXX XXXX she my account was up for garnished because I didnt pay on XX/XX/XXXX I told her my due date was until the XXXX, its seems like no one can give a real reason to why my account was filed for garnishment.

Company response to consumer: Closed with explanation