Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (NY)

I am writing this complaint for myself and on behalf of the residents of my former address. I will omit their names for privacy reasons. They are retaining an attorney. 

I have communicated with Cooling and Winter, a law firm representing both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, regarding being unable to pay alleged debts that I have not been given a chance to dispute. I informed XXXX XXXX XXXX of Cooling & Winter on XX/XX/, @ XXXX XXXX in a XXXX minute conversation that I no longer reside at the residence on file with both XXXX XXXX  XXXX and Cooling & Winter. I also explained that the owners were willing to hold my mail for a short period of time until I could obtain an address to forward my mail. Due to my financial situation, I am homeless. I informed XXXX XXXX that I did not want the residents at my former address to be harassed by Cooling & Winter. XXXX XXXX stated that she would remove the previous address from their files. 

On XX/XX/, I spoke with XXXX XXXX for XXXX minutes about my homelessness and financial inability to pay anyone. I requested to be considered for a hardship write-off. XXXX XXXX stated that she would submit the information for review, which would take a couple of days. I called back on XXXX XXXX XXXX and was told that it was declined, but she would re-submit my hardship request again to be reviewed. 
Again, my request was denied. 

As stated earlier, XXXX XXXX XXXX stated that she was removing the address on file since I no longer live there. 
However, this weekend, the residents were extremely upset that they received letters from 4 Law firms at their address within the past few days. I had someone obtain the letters for me. The letters were advertisements from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all informing me that XXXX XXXX XXXXXXXX had sued me on XXXX and XXXX 
Cooling & Winter are the attorneys who filed the lawsuits listing my former address. 
This is malicious harassment to purposely embarrass and humiliate the residents of that home and me. They are good innocent people that have nothing to do with my circumstances. Cooling & Winter were told over two months ago that I no longer reside there and am now homeless. They were informed that I do not have the financial means to pay any debts. Unfortunately, circumstances happened that were beyond my control. 
I am a XXXX XXXX XXXX  with chronic illnesses, including XXXX and XXXX XXXX XXXX. Due to my illnesses, destroyed credit, and lawsuits, I will never be able to obtain employment. 

I have always taken my financial responsibilities very seriously, but unfortunately, my circumstances are so bad that I can not realistically maintain payments of any kind. 
My situation is unlikely to improve in the future. My continued high debt level and continued creditor harassment have seriously affected my physical health and further deteriorated my mental health. 



Cooling & Winter, LLC XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX