Consumer complaint received 2020-03-09
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Follow up to complaint filed back on XX/XX/XXXX - Complaint # XXXX. 

In XXXX I learned that Cooling and Winter Attorney, XXXX XXXX filed a lien on my house in regards to Credit Card debt owed to XXXX  XXXX XXXX. In the conversation back and forth with Cooling and Winter prior to this action informed Mr. XXXX the some/most of this debt was from identity compromise or theft. Plus there was no communication about this. Submitted a complaint to XXXX  XXXX XXXX in which XXXX did confirmed some info on the number of accounts but then nothing more. No contact info either. 

On XX/XX/XXXX received 2 letters from Cooling and Winter on certified delivery via US Mail and one regular mail. Both letters are the same. Again no communication from Cooling and Winter that this was going to be done and a different lawyer with the firm, a XXXX XXXX XXXX. Mr. XXXX has now filed a public notice with XXXX County for Garnishment of all income, wages, property, etc. This was done on XX/XX/XXXX and the only way I found out about this is that I received 5/6 advertisement letters from bankruptcy law firms 2/3 days later. Some included the case number. It took some time to search the XXXX County case list to find the one these letters were referencing. 

The amount is the same as what was in the lien put against my house in XXXX. Includes court fees. XXXX XXXX XXXX has already done a charge off of the amount owed, and it does show on my Credit Report. Think this was done in XXXX and there is a statue of limitation?? Never received a communication from XXXX about possibly settling on a lower amount after removing various fees, etc. So now I have a lien on my house and also possibly a Garnishment. Seems like I am being judged twice for the same issue. Not to mention the lack of communication which has been the problem all long with Cooling and Winter. 

I am XXXX XXXX and XXXX XXXX XXXX so do not have a huge income. But I did wonder at the start why the did not mention Garnishment first instead of going after my largest asset - which is my home. Again this identity theft has caused several problems for me and effected all everything. In trying to take care of this I was able to pay of XXXX XXXX but still had to all my other accounts to another bank. Was able to settle with XXXX, they had previous reports about strange charges, etc. But I also incurred a charge off as well. XXXX I reported to CFPB due to internal errors where they kept misapplying my payments and for some reason could not fix it. XXXX  XXXX XXXX is the one left and the hardest due to the fact lack of communications both with XXXX and Cooling and Winter. 

The letters from the bankruptcy law firms I received in the mail : I am not sure I can trust. I know filing Bankruptcy is one option, but not sure if that is the only option. So I need to find a honest lawyer who can tell me my options and what I can do. But already got burned by one lawyer who said he could help. Started with him and after about a year of hearing nothing from Cooling and Winter he requested removal from the case. My regular lawyer has retired ( he is like XXXX years old ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation