I am writing this letter seeking your assistance in resolving the damages done to my credit, in which it has prevented me from obtaining the mortgage even though I have paid for what is a cancelled judgment.
This document is being written in reference to a garnishment that has NOT been handled properly.
I was renting an apartment from   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   ), due to some unforeseen circumstances ; I gave my notice, and left the unit. I was not aware of any balance due, nor contacted for any balanced due.
I am currently employed by   XXXX   XXXX   XXXX   located in   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   Maryland. I was previously employed from  XX/XX/XXXX  through  XX/XX/XXXX . I was rehired in  XX/XX/XXXX . Once I was rehired by   XXXX   XXXX   XXXX   in XX/XX/XXXX , I was informed that there was an ACTIVE garnishment through the District Court of Maryland in   XXXX   XXXX   ( Case #  XXXX  ). I was notified of this judgment/garnishment through Human Resources Department at   XXXX   XXXX   XXXX  . I was informed of the amount due for garnishment was {$4800.00} and to be paid to a company by the name of   XXXX   XXXX   XXXX   XXXX   XXXX   on behalf of   XXXX   XXXX   XXXX   XXXX  , pertaining to the unit that was left at   XXXX   XXXX   XXXX  . I was told the full garnishment would be completely paid by the end of XX/XX/XXXX . On  XX/XX/XXXX , the total payment for the garnishment of {$4800.00}, which was the amount of the judgment reads and was provided to Human Resourc es   XXXX   XXXX   XXXX  , w as paid in full.
On  XX/XX/XXXX , I called and spoke with a   XXXX   XXXX   XXXX  b who introduced himself as Director, Client Services for   XXXX   XXXX   XXXX   XXXX   XXXX   asking for a paid in full letter and more information about this judgment. I explained to the   XXXX   XXXX   that I was never served with any documents pertaining to collections, judgment, or garnishment of wages from anyone dealing with this matter.   XXXX   XXXX    stated the initial judgment was filed through     XXXX   XXXX   XXXX   XXXX   on XX/XX/XXXX  He also stated that on  XX/XX/XXXX , I was served by a processor with judgment paperwork, where a person by the name of   XXXX   XXXX   accepted on my behalf as my CO-RESIDENT at the address   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Maryland  XXXX . I then, informed   XXXX   XXXX    that I was not residing at that address at that time. I had moved and had a new signed lease at the resident of   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   Maryland on XX/XX/XXXX  I also informed him that it was only the sole renter on the lease. I had no Co-resident on that lease, when I resided at the address of   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   Maryland   XXXX   (   XXXX   XXXX   XXXX   XXXX   ). The person who was served my judgment documents was not a person I knew at all and have no idea whom this person is.
I also informed   XXXX   XXXX   that the garnishment had shown terminated in the District Courts of   XXXX   XXXX   as of  XX/XX/XXXX , and was the judgment they were collecting on from my employer valid and active. I was not given a direct answer from him. I was told he would not be able to answer any legal questions although he represents for   XXXX   XXXX   XXXX   XXXX   XXXX   and I would need to seek legal advice elsewhere. I asked   XXXX   XXXX   to have all documents pertaining to the judgment and affidavit of service emailed directly to me on  XX/XX/XXXX . I was told that interest had accumulated on the terminated judgment of an additional {$610.00} would also be garnished from my wages.
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As of  XX/XX/XXXX , a total amount of {$5000.00} has been garnished from my wages at   XXXX   XXXX   XXXX   from a terminated judgment as per court documents.
On  XX/XX/XXXX , my credit report was pulled to obtain a credit score. It was brought to my attention that there was a collection on my credit report from a company by the name of CSRS, INC., for a collection amount of {$4400.00} for XX/XX/XXXX  this amount was requested in the judgment in case with  XX/XX/XXXX , District Court of Maryland in  XX/XX/XXXX  ( Case #  XX/XX/XXXX  ), so same amount was reported twice on my credit a ) by the collection company, b ) as a judgment by the court There is also a judgment of my credit report from    XXXX   XXXX   XXXX   XXXX   on behalf of   XXXX   XXXX   XXXX   XXXX   represented by   XXXX   XXXX   XXXX   XXXX   in  the amount of {$4700.00}. This judgment shows terminated as of  XX/XX/XXXX  in the District Courts, but   XXXX   XXXX   XXXX   XXXX   XXXX   has collected a total of {$5000.00} as of  XX/XX/XXXX  in garnishment of my wages from   XXXX   XXXX   XXXX   since  XX/XX/XXXX . This issue being was reported incorrectly.
My issues as of this point are the following : *I was never properly served any paperwork concerning this debt. I believe they were aware of the fact that wrong person was served, yet they testified in court that it was properly served.
* I was not connected in any way to the person that was served the judgment documents.
* I have been paying on a terminated judgment from   XXXX   XXXX   XXXX   XXXX   since  XX/XX/XXXX  that I was never served, and legally not valid.
*My employer nor I have received any updated documentation of the judgment/ garnishment from   XXXX   XXXX   XXXX   XXXX   since  XXXX  ( I left the company  XX/XX/XXXX  and returned  XX/XX/XXXX , which is well past the 90-day rule written in Rule 3-346 ( k ) Termination of Garnishment for Maryland.
* This amount has been reported twice on my credit report and neither   XXXX   XXXX   XXXX   XXXX   ( Judgment Company ) or CSRS, INC., ( Collection Company ). Whom both represent   XXXX   XXXX   XXXX   XXXX  . in reference to   XXXX   XXXX   XXXX   XXXX   agreed to cooperate.
I have made phone calls, and spent hours pleading to them to correct their document, but they were rude and unhelpful. Please kindly help me to resolve this matter.
I am looking forward in hearing from you, please dont hesitate to contact me at phone #  XXXX  And my email  XXXX  Very truly yours,   XXXX   CC :  XXXX  , Human Resources,   XXXX   XXXX   XXXX   CC :   XXXX   XXXX   XXXX   , Director, Client Services   XXXX   XXXX   XXXX   XXXX   XXXX   Cc : CSRS, Inc .