Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Jacob Law Group, PLLC (MS)

Jacob Law Group , PLLC ( lawyer/debt collector ) 1. Jacob Law Group , PLLC sent me a ( non-certified mail ) computer generated unsigned collection notice ( dated for XX/XX/XXXX ) stating that they are a debt collector attempting to collect a debt. I was confused because when I read it as being a law group, I thought I was about to be sued. I thought to myself how can they be a lawyer 's office and a debt collector at the same time -- really had me worried and confused. They sent me a collection letter for a debt allegedly owed to XXXX XXXX for {$620.00} that was discharged in my bankruptcy ( XXXX ) XX/XX/XXXX ( XXXX # XXXX ). I received the letter in my mailbox on XX/XX/XXXX. 
2. I responded by sending them a validation of debt and proof of claim letter ( dated for XX/XX/XXXX ) by certified mail ( # XXXX XXXX XXXX XXXX XXXX ) and stated to them that they are trying to collect a debt that was discharged in my bankruptcy. Jacob Law Group, LLC received it on XX/XX/XXXX. 
3. I received a non-certified mailed response to my validation letter ( dated for XX/XX/XXXX ) from Jacob Law Group, LLC in my mailbox on XX/XX/XXXX stating that the Current Creditor is XXXX XXXX XXXX ; Original Creditor : XXXX XXXX XXXX XXXX. and enclosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
4. I responded by sending certified mailed ( # XXXX XXXX XXXX XXXX XXXX ) mailed on XX/XX/XXXX Demand for Debt Collector Declaration and Proof of Claim letter ( dated for XX/XX/XXXX ) and Notarized Affidavit ( notarized XXXX XX/XX/XXXX in XXXX XXXX, XXXX XXXX. 
5. On XX/XX/XXXX, I was walking to my apartment door and noticed a paper on the ground ( I video recorded the paper on the ground in front of my door ). I read the words on the paper and it said Justice Court Summons for XXXX XXXX XXXX CO JACOB LAW GROUP PLLC XXXX XXXX XXXX -- DECLARATION : Total demand {$620.00} PLUS {$81.00} court costs PLUS INTEREST and have there this writ. The court date is set for XX/XX/XXXX at XXXX am at JUSTICE COURT XXXX XXXX XXXX, XXXX, XXXX XXXX. 
I am being summons to court after I responded to JACOB LAW GROUP telling them that this was a discharged debt and as validation and proof of claim which I clearly stated in my first response that I was disputing this debt and collections must cease. I have been very stressed, getting no sleep, and I don't know who saw or looked at that paper that was on the ground at my door. I felt very, very humiliated and ashamed. 
I am also sending a debt validation notice to other debt collectors who have sent a collection letter or are trying to contact me to pay this same debt that was discharged in my bankruptcy. 
The following collection agencies and their collection letters date are all listed within this time frame of XXXX to present of trying to collect this same debt. 
A. XXXX XXXX XXXX ( reported this debt on my XXXX consumer report with status updated XX/XX/XXXX discharged in bankruptcy ) [ So they had full knowledge of the debt being discharged in bankruptcy. ] Other owners of this account : XXXX XXXX, XXXX and XXXX, XXXX ; XXXX XXXX XXXX XXXX ; and XXXX Originator XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX JACOB LAW GROUP , PLLC XX/XX/XXXX XXXX XXXX XXXX XXXX ( After I mailed XXXX the first response, I received 2 notices from this company XX/XX/XXXX stating that they " received a recent inquiry regarding the above account... and have enclosed the account summary which provided verification of debt. '' They also sent the same XXXX XXXX XXXX XXXX XXXX XXXX dated for XX/XX/XXXX and an Account Summary Report dated for XX/XX/XXXX at XXXX PM with the following Account Information ( the original creditor : XXXX XXXX XXXX ; Origination date : XX/XX/XXXX ; Charge-off date : XX/XX/XXXX ; Charge-off amount : {$620.00} ; Account acquired on : XX/XX/XXXX ; and, account balance at time of acquisition : {$620.00}. 
In my debt validation letter and demand letter, this company has not sent me anything proving that they own this debt and have full knowledge that this debt was discharged in a bankruptcy and they are still harassing me with a law suit after I have given them proper notice. 
ATTACHMENTS : I have attached a screen shot of the debt being reported to the consumer reporting agency.