Consumer complaint received 2019-05-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Receivables Management Partners, LLC (IN)

So today on XX/XX/XXXX, I contacted IMC Credit Services regarding paying off a debt that I had a payment arrangement on. I was well aware that I was a payment behind due to forgetting to make a payment and I had noted that with the gal I spoke to on my call for payment prior to today 's payment call. Upon providing my information I was asked if I was making a double payment, I said yes and asked for my payoff amount which was {$190.00}, only {$20.00} more than what a double payment would have been so I said I'd just pay it off. This was something that I was going to be sued for but I was able to make arrangements to pay on it before it went to court. Every time I have called to make my payment on the current balance I'm paying on I'm being told that I have other " debts '' in other " departments '' with their agency. I have requested copies of those " debts '' to review to make sure nothing is being duplicated ( I've had to pay quite a few bills that I don't recall incurring or receiving actual bills for from the providers office ). After calling today and speaking with XXXX and making a final payment of {$190.00} on this current debt, she informed me that there were other " debts '' in another department totaling {$1600.00} and asked about making payment for that. I told her I had requested copies of these and needed to review them before I made any kind of payment arrangement and she proceeded to tell me in a very rude manner that I've had 3 years to review these and I should know what they say and that they can't " hold '' this debt and that it would be filed for suit if I couldn't make a payment or payment arrangement. I've spoken with this lady more than once to make payments on my now previous debt and each time she has been extremely rude and forceful about making payments on the " other debts ''. The other gals I have spoken with when calling to make payments have not given me any problems or made it seem like I " had '' to do something and treated me like I'm some ignorant piece of trash like XXXX has. It should also be noted that on this recent debt I've just paid off, I was told I couldn't extend my payments out for more than 6 months and that I " had '' to make payments of {$85.00} every two weeks when I got paid otherwise they'd take it to court and garnish my wages for more than that. The last time they sent me anything they were filing suit against me for other medical bills, I missed the court date because I was in the emergency room with a XXXX XXXX. I tried to reach out to XXXX XXXX XXXX to let her know of the situation but of course couldn't reach her directly. So naturally she was granted whatever she asked for and my wages were garnished at {$270.00} a paycheck every two weeks. That was {$540.00} out of my checks for 3.5-4 months as a single mom with XXXX kids on an income that barely supported us before the garnishment. I had to continue to make arrangements with my landlord for rent payments, I had utilities shut off because I wasn't able to pay my bills. Yet I had no other options. If I'm attempting to make a payment arrangement on something, don't give me a cap of 6 months because that's what the debt collector wants. Not working with people and what they can truly afford is probably why so many people have so much debt they can't pay off because debt collectors make it unreasonable for you to be able to do such a thing. The old saying, " you get more bees with honey than you do vinegar '' stands true for any company that provides any type of customer service, and right now XXXX with IMC Credit is putting out more vinegar than honey!