Consumer complaint received 2019-08-07
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XX/XX/2019 Attempted to call the phone number on the complaint, XXXX. Spoke with Rep. XXXX. XXXX advised that I was not calling IMC Credit Services LLC. That I was actually calling RMP. A separate company that Attorney XXXX XXXX represents. 

Violation False or Misleading Representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 


XX/XX/2019 Contacted IMC Credit Services and spoke with Rep. XXXX. I asked her that if I agreed to the terms of the proposed payment agreement, minus the 20 %, if I would still need to go to court. She told me that I would not need to go but there would still be a judgement entered against me so that IMC still had some recourse if I defaulted on my payment agreement. 

Violation Section 807 False or Misleading Representations ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. 


XX/XX/2019 Contacted IMC Credit Services LLC and spoke with Rep. XXXX. While trying to work out payment arrangements, RepXXXX XXXX told me that she could not take a less payment than the garnishment amount of {$150.00}. Being a reasonable person, I believed what she told me and agreed to {$150.00} monthly payments, which I can not afford but felt like I had no choice but to accept what she claimed to be the minimum garnishment amount. 

Violation Section 807 False or Misleading Representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 




XX/XX/2019 Contacted IMC Credit Services LLC and spoke with RepXXXX XXXX. I made a payment of {$1500.00} this day and reluctantly agreed to make payments of what I was told the minimum garnishment amount of {$150.00} a month till the debt was paid in full would be. I asked XXXX if there was an agreement letter or something to show I paid the {$1500.00} and what my new balance was. She responded that IMC doesn't have that to send out. That the only thing they can send me was a letter showing my payment. I also asked her if I was going to receive a bill in the mail and she said they do not send out bills. I was to call my payment in by the end of the month. 


Violation Section 807 False or Misleading Representations ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

This is also a violation of Small Claims Court procedure. The court requires a settlement letter be signed by both parties and filed with the court. 


Respectfully, I have been deceived and flat out lied to by IMC Credit Services LLC. I have attempted in good faith to pay and settle this debt but have only been taken advantage of, to the point a physical illness at my work place from stress.

Company response to consumer: Closed with explanation