Consumer complaint received 2016-10-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Protas, Spivok & Collins. LLC (VA)

I am writing the Consumer Financial Protection Bureau ( CFPB ) to get help with a debt that I have with XXXX /Protas , Spvok , & Collins , LLC from XX/XX/XXXX First let me state that I have never had a personal credit card from XXXX/Protas, Spvok, & Collins , LLC Bank, so I believe that this debt relates to a company that I used to own, XXXX, which went out of business around the year XXXX. I was not made aware of this debt until XX/XX/XXXX when I received a Garnishment Summons to be in court on XX/XX/XXXX. I honestly do not remember this debt, but they say that I owe it. 
When I did have a company, I had an accountant who handled all of my financial information for the company and I was not aware of this debt. It was my understanding that my company was a Corporation, incorporated in the state of Virginia. At the time that the company went out of business, I was not made aware of any outstanding debt that I owed. 
Now, for a little background. I have had a personal account with XXXX/Protas, Spvok, & Collins , LLC Bank since the year 2,000. I have lived in the same location since XX/XX/XXXX with the exception of a couple of years. I have never been contacted by XXXX/Protas, Spvok, & Collins , LLC about this delinquent account. It appears that XXXX/Protas, Spvok, & Collins , LLC has made minimal effort to contact me in reference to this account, since that have had my contact information for the entire time. Could it be that XXXX/Protas, Spvok, & Collins , LLC is trying to scam me out of exorbitant interest? 
I found out about the bad debt account when I received a summons form the court a few days before the court date. I received a summons from Protas, Spvok, & Collins , LLC, XXXX, XXXX, XXXX, MD XXXX, telephone # XXXX to be in court on XX/XX/XXXX. I believe that XXXX/Protas, Spvok, & Collins , LLC was required to renew the case every seven years in order to keep it active. There was minimal identifiable address information, so I almost did n't open the envelop because it looked like junk mail. The summons stated that the original amount of the debt was {$6300.00}, but the amount had ballooned to {$20000.00}. That is an incredible increase from the original amount. If I had known about this debt, I could have taken care of it long before the interest more than tripled the amount owed. 
I hired a Lawyer, XXXX, to contact XXXX/Protas, Spvok, & Collins , LLC on my behalf to see if I could work out a way to pay the debt. XXXX/Protas, Spvok, & Collins, LLC did not return the calls from the Lawyer, nor have they tried to contact me to give me an opportunity to pay this debt. It has been more than one year and 4 months since the judgement and I have not heard from XXXX/Protas, Spvok, & Collins, LLC/Protas, Spvok, & Collins , LLC. It is as if they are purposely letting the interest continue to grow to increase the amount that I owe. It is unbelievable that a company can let a debt grow by more than 250 % without making a good faith effort to contact the debt holder. 
I do not mind paying my debts, but this is more like robbery. XXXX/Protas, Spvok, & Collins , LLC has had my contact information for years. I get correspondences from XXXX/Protas, Spvok, & Collins , LLC on a regular basis, but have never received anything about this debt. I do not believe that XXXX/Protas, Spvok, & Collins , LLC Bank has made a good faith effort to contact me about this debt. I believe that XXXX/Protas, Spvok, & Collins , LLC has been running a scam to let the interest grow to an unreasonable amount. 
I need help from the Consumer Financial Protection Bureau to work out a reasonable amount to pay XXXX/Protas, Spvok, & Collins , LLC to retire this debt. Please help!