Consumer complaint received 2015-06-10
Company: Rubin & Rothman, LLC
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
On XXXX XXXX, XXXX I sent the following correpsondence to XXXX XXXXTo Whom It May Concern : I recently received correspondence indicating that I am being sued by XXXX XXXX. I am writing this letter to inform those involved of the circumstances surrounding my account falling delinquent. After the birth of my child in XXXX XXXX I was deemed XXXX XXXX due to complications with XXXX and XXXX XXXX. After several attempts to return to work full time, I was awarded monthly social security XXXX benefits in the amount of roughly XXXX a month. Since I was not qualified for XXXX until XXXX years after date of XXXX, I had to pay XXXX a month for my XXXX a month out of pocket. In XXXX, I was awarded XXXX however I had to buy additional insurance to cover this therapy. Luckily, I started attending XXXX University in XXXX, which offered insurance with out of pocket cost of XXXX every XXXX months. Yet still my prescription plan does not cover my XXXX at full price. In Fall XXXX, before I started my XXXX, I was hospitalized XXXX times for XXXX, and essentially caused me to lose my part time job the last time. My XXXX income helps me take care of my XXXX year- old, purchase my medications, childcare, food, bus fees for school travel, rent and utilities. I do not qualify for any assistance at all because of my XXXX allotment, with the exception of childcare assistance for school that covers only half my son 's tuition. I also had custody of my XXXX from XXXX to XXXX due to my sister 's XXXX at that time. In order for me to take care of my son and myself I needed my car. I was put in an awful position when XXXX repossessed my car even after I explained my situation. I even attempted to pay the XXXX late car payments the day my car was repossessed but no one would speak to me. I was told XXXX XXXX did not want my business anymore because my payments were late. Recently my son 's father passed away, leaving me responsible for all expenses related to him as well. My circumstances are not typically, It was a risk I to accept a loan from XXXX XXXX however I did not think I would be facing the health crisis I am in now. I certainly did n't expect to be XXXX today and not physically capable of working full time. I am willing to pay XXXX the amount owed to them minus the interest and late fees. I only ask that I am given a logical amount of time to accrue the money given the circumstances. I have can supply my social security award letter if necessary. 
Regards, XXXX XXXX XXXXOn XXXX XXXX, XXXX I went to court, and agreed to a consent judgement in the amount of {$8000.00}. I was told since I was not contesting the debt that I could pay it back if and when I was able to earn substanial gainful income. I was also told from the attorney representing the Rubin and Rothman that, he understood my hardship and even with this judgement my Social Security XXXX and Federal Student loan money were protected from garnishment. XXXX XXXX, XXXX, I checked my account to find that monies I transfered from checking to savings to distinguish between XXXX and book money for summer class was on hold. When contacting the XXXX and questioning why I was never notified of the levy, I was told by XXXX XXXX, " they did not have to let me know they were levying my account '' and I would need to wait to hear from them to get the levy removed. I called XXXX XXXX court, they told me to contact the lawyers office again, as they could not hold federal funds by law. Prior to this I spoke to XXXX XXXX, and told her I could continue to submit documentation that my only income is XXXX however she said they will continue to try to collect. Now I have a levy on my account that is causing me more stress than needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation