Consumer complaint received 2016-01-11
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection agency received an assignment of debt from creditor 3 months after we offset the debt and gave them a XXXX. Original Creditor gave the agency the wrong address and they served a writ of garnishment to my husband at an address we lived at 3 years ago. We filed XXXX report XXXX dated on or about XXXX/XXXX/2015. 

We even drove down to their location and the representative that we spoke to called me a thief to justify them garnishing my husbands wages without proper service. When I told them that they violated our rights to privacy by sending debt collection information to a party other than ourselves she got argumentative, threatened to call the police on me because I would n't give her my social security number ( although I had my press badge with address/birthdate/picture, as well as my state id card for verification that she was speaking with myself ). I have everything on digital audio/visual recording as well. 

They brought back out a copy of the envelope that showed the mail was returned to them 4 days after they were granted the writ but would not give a copy of the mail. They would not give any information that showed us that they had the right to collect the debt outside of trying to give me a copy of a judgement that I had previously went online and purchased when I learned of the garnishment. 

To this day we have yet to get any communication from the collector, they have not validated the debt and they have stated clearly to myself and the better business bureau that unless i verify my social security number they will not speak with me or accept payments on the debt unless the balance is paid in full. However, they are garnishing my husbands wages. 

After I left the building our process server went inside and served the company with a cease and desist on collections until validation was received and a court related documents regarding the debt as well as copies of the XXXX 's that have now been sent into the IRS. 

They collection agency called the representative from the original creditor to alert her that we were serving her ( from what I can only guess ), as by the time we made it to her location to serve her with the same papers, she let her dogs out on the process server and not less than XXXX minutes later threatened me on facebook. 

Within a couple of days the Attorney for Creditor contacted us and stated that if we contact anyone in regards to validating, off setting this debt and other court documents that we would be back in court for a order for protection because we were harassing his clients. 

They are taking money from a paycheck that is assigned to a XXXX and we ca n't get a Motion in to the Court because the clerks refuse to file saying that the time has lapsed for us to seek a review of the writ or defend it because the attorney signed the affidavit stating it was successfully served. 

At the moment we are trying to figure out how they can refuse to speak with us regarding payment of a " debt ''. 

How it is legal for them to go after a garnishment after receiving a Cancellation of Debt? 

How it is okay for a debt collection to admittedly send mail to the wrong address because the creditor gave it to them, knowing it is the wrong address? 

How we were forced by the court to be debtors but have no standing to get a validation of who is the proper party to " pay '', who we are supposed to be communicating with. 

Why we are not being allowed to get a invoice showing " current '' amounts due and owing since we never even got served with the Court judgment ( we appeared by phone per the judge ). 

So now they have a lien on our home, garnishing my husbands wages as well as now running inquiries on our credit but they wont send a bill.

Company response to consumer: Closed with explanation