Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Collins Asset Group, LLC (TX)

Predatory debt collection company Collins Asset Group, represented by XXXX XXXX XXXX  provided fraudulent paperwork to XXXX XXXX XXXX and won a judgement against me because I was unable to attend court due to my XXXX. They have violated FTC/CFBP guidelines & state laws in filing the lawsuit.

I never received notification of the debt, just the lawsuit. I answered explaining it was over the TX state limitations and not mine. They did not provide proof of ownership in a timely manner per requirements, instead provided false documentation not matching what was provided to me by XXXX XXXX the original debt owner. I have been the only party submitting anything with XXXX XXXX on the letterhead with payment information to the court. The arbitration clause says they can ONLY file in small claims court, they filed in civil court. They filed for more than the balance on the account. When reaching out to XXXX XXXX, I spoke to XXXX employees who could not provide me with a funding date, default day but did clarify how much and when Collins Asset Group paid for the debt. They did not give me a bank name but the last XXXX of the account that supposedly funded the account number they gave me. I asked the same information from Collins Asset GroupXXXX XXXX XXXX multiple times and they did not/could not provide the information. 

I have proven the debt is not mine and Collins Asset Group, represented by XXXX XXXX XXXX refuse to release me from the debt. I filed a Motion to Vacate and was told too much time had passed. The handling of the motion to vacate was not handled properly. The guidelines say a decision should be reached in XXXX  days ; I received an answer on the XXXX, My understanding is that unless additional information is provided that the judgement should have been lifted with proving the debt is not mine ; it was not lifted. 

I went to court for open docket XX/XX/2024 to XXXX XXXX who said she would sign paperwork to release me but at this time its out of her court and my options were to file a late appeal, have the company release me, or have the company/law firm give her something to sign to release me. She asked me if I had reached out to Collins Asset GroupXXXX XXXX XXXX to asked to be released. I told her they are not behaving ethically will not release me because they have the judgement and I have asked them to do so multiple times.

I've explained I had fraud in my personal and account information around the time of this loan. I've also provided the bank information, account information with who I banked with to the court, receivership and Collins Asset GroupXXXX XXXX XXXX XXXX . Instead of behaving ethically, they ignore my requests to be released except for one time mailing me a settlement letter since knowing I am not the owner of the debt. 

On XXXX occasions when XXXX XXXX  was copied as a courtesy to the questions I had for the court, they have taken the responsibility to answer for the court. The reponses I received were : I can not be released from the debt, litigation between parties is over, I can not have another trial, etc. In open docket XX/XX/2024, even the Judge agreed that is her duty not theirs. When I responded to their emails when it happened that it is not their place to speak for the court, XXXX XXXX responded he was blocking my emails. Additionally, I've called the XXXX XXXX times since XX/XX/2024 and left messages for a call back with no response. 

At the advice of the judge, I have now petitioned the court for a " late appeal ''.