Consumer complaint received 2016-12-23
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A representative from XXXX XXXX and XXXX has been harassing me about a debt that does not belong to me which I stated numerous times during the phone call. I told the rude and unprofessional representative on the phone that I had no debt and the debt was vacated/dismissed/deleted by the judge/court due to illegal tactics and failure to follow proper federal consumer debt collecting regulations. There is no record of such debt or judgment against me because the judge/court deemed that the debt was too old and had reached beyond the statute of limitations, and also the collection agency failed to notify me of a court hearing or that I was being sued. I had absolutely no knowledge to appear in court, and the collection agency constantly tried intimidation tactics, threatening phone calls, threats of going after my home, bank accounts, etc. All without any substantiation. On XXXX XXXX, XXXX at XXXX XXXX. XXXX, during my work hours, XXXX of the representatives from a notorious debt collection law firm phoned me and proceeded in a very threatening and intimidating manner to harass me for personal information and conducted business in an unsavory manner. When I continued to tell this person that I did not have any debt, she constantly spoke over me while I was explaining ; did not want to hear what I had to say ; dismissed me by pretty much calling me a liar and not believing me ; told me to prove it. Then, she told me I would see how it feels once I receive the letter they mailed me, which I have yet to receive. I felt very victimized by this company ; threatened ; and the need to call the authorities on them and report their criminalistics business practices. The debt she was trying to intimidate me into admitting to was dated back in XXXX, and as stated previously, this debt has been vacated/dismissed by the judge/court due to irregularities on the part of the debt collection agency and failure to notify me of a court appearance, which resulted in a judgment against me and which was eventually thrown out by the judge/court. This debt has been disputed with the credit reporting bureaus which resulted in them conducting an investigation into the debt, and final result of the debt being dismissed/cancelled/vacated by all credit reporting bureaus as well as the judge/court. However, trying to explain this to XXXX XXXX and XXXX fell on deaf ears and all they are trying to do is conjure up false information ; trying to collect on a nonexistent debt ; and drag me to court for a judgment against me which is the tactic they are utilizing on other consumers as well. This company needs to be held accountable for their business practices and unlawful behavior. It is not fair for them to be allowed to constantly harass, threaten and intimidate consumers just because they think can. This company needs to be stopped dead in their tracks. Not only is this unethical business practices but also goes against all federal consumer debt collection regulations. Their address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. Phone number is : XXXX. I will also be filing a complaint against this company with my XXXX XXXX XXXX as well as with my XXXX XXXX. Please provide assistance and help me. Please investigate this company and their business practices. Thank you for your time.

Company response to consumer: Closed with explanation