Consumer complaint received 2016-03-11
Company: Rubin & Rothman, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
In XXXX XXXX, I moved XXXX continued to find employment and made minimal payments, but got to a point on no money and called XXXX to notify of hardship. I called every month and they ensured I was fine, and I was sent to collections. After a few months, I got a temp job and was working with a XXXX credit attorney and made monthly payments, after a year I was unemployed, called to notify Attorney, and was told to call next month, I did this for 5 months, then the person I was working with left the company, got a new representative, they never called me back, called the office and left messages and later found out the office closed. I called XXXX recovery dept, they said I had to wait to hear from new credit attorney and that XXXX could not help me. During this time I have moved, and assume the the XXXX attorney XXXX update my information to XXXX. No one sent me a letter of called my phone, XXXX XXXX I moved XXXX and XXXX XXXX I get a bank Levy. My bank gives me the contact information to a XXXX court representative and I was told to speak with the Credit attorney about the Levy, I call XXXX and XXXX of XXXX XXXX, and speak with XXXX. She asks me why I never responded to the letters, and I said I never received letters and that I moved, she got my current address XXXX and realized I was out of state and said she had to close the file and the Levy will be released. I asked her who I can speak with to get this debt paid, and set up for a payment plan, she said she did n't know and that I will have to wait to be contacted again. I wait for the XXXX to be reversed, but it does n't happed. I was told by his office worker organ that, XXXX XXXX of XXXX court says that it should n't matter that I am out of state and that I need to speak with XXXX and XXXX again. I call them and they say my file is closed and they are waiting to hear from XXXX, I have updated all my information with everyone so that I can make sure someone will call. I tell them they levied my husbands ' unemployment, XXXX tells them to take the money and it will be used as a payment towards my debt, and I feel they did n't give me a chance especially since they had an address that I lived at 4.5 years ago. I was n't trying to hide from my Debt, because I am currently paying off my student loan, and now have a steady job to set up a payment plan. I felt I was forced to just allow that money to be taken when I was trying to get the situation resolved. XXXX wont even speak to me and keeps telling to speak to their credit attorney and I have to wait to speak to someone. XXXX and XXXX said the Levy will be reversed because I was out of XXXX, and The XXXX court XXXX XXXX, did not listen to them to reverse it and told XXXX and XXXX, that me living out of state should be an issue. I was speaking with each party and even updated my information with each party to ensure they had my correct information. I hope you can help me.

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