Consumer complaint received 2019-11-22
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: Suttell, Hammer & White, P.S (CA)

Suttell & Hammer APC .. Debt amount : {$9700.00} Date : XX/XX/XXXX I am a US citizen working at XXXX XXXX on an hourly wage. My husband is a XXXX-year-old XXXX XXXX  and unemployed. We are going through extreme stress and if anything happens to my husband this company will be responsible for that. He earns very little money occasionally when he gets some part-time XXXX   XXXX XXXX. This company is a collection agency for XXXX XXXX. A default judgment had been entered against me on XX/XX/XXXX, without properly serving me. On XX/XX/XXXX, I became aware a judgment had been entered against me because a notice of wage garnishment was sent to me by my employer 's payroll servicer. The wage garnishment already started despite the fact that as per the California CODE OF CIVIL PROCEDURE Section 706.050, I qualify for full exemption as my disposable income for bi-weekly earnings is way lower than the minimum wage ( XXXX XXXX XXXX min wage was {$13.00} ) multiplied by 80 work hours. 
Subsequently, I sent a claim exemption form by certified mail on XX/XX/XXXX, to Levying Officer, XXXX XXXX County Sheriff , Civil Section, XXXX XXXX. The wage garnishment stopped after a few weeks. In the meantime, I called several times to this law firm to settle the amount and make some payment plans despite extreme financial hardships. These people are extremely rude and threatened me that they would go ahead with the wage garnishment. The lawyers of this firm can not be reached despite numerous requests. The agents who answer the call are rude and talk without any compassion at all. Sometimes I wonder are they really humans? do they have families when a middle-aged lady with a XXXX husband is crying for help to settle this in a humanly way? 
Again on XX/XX/XXXX, I received another wage garnishment notification and immediately I sent another claim exemption form by certified mail to Levying Officer, XXXX XXXX County Sheriff , Civil Section, XXXX XXXX. 
Last week I received an opposition to claim exemption filed at the superior court of XXXX , County of XXXX XXXX. They oppose {$94.00} my broadband service provided by XXXX and the {$320.00} installment payments. Even if they dispute these amount still my minimum monthly expenses including rent is {$3000.00} and our net take-home income is {$3000.00} and that includes my husband 's parttime income. For the past three months, he did not get any teaching assignment and I have my only income. Our family and friends helped us. Our rent has been increased and we are desperately looking for a cheaper place to live. It's extremely difficult to find a cheaper place in the XXXX  XXXX  due to the severe housing crisis. Everywhere the waiting period is over 2 years. Since we have been summoned for a court hearing on XX/XX/XXXX, I will go to court with all my financial records and appeal to the judge that they are not obeying the California CODE OF CIVIL PROCEDURE Section 706.050, that I qualify for full exemption as my disposable income for bi-weekly earnings is way lower than the minimum wage ( now XXXX XXXX min wage is {$15.00} ) multiplied by 80 work hours. 
I will also show the judge my husband 's recent XXXX  and XXXX test reports and how this stress really causing more harm to him. This is fact, not any threat but if anything happens to my husband I repeat anything happens to my husband this company and XXXX XXXX will only be responsible. 
I will send a copy of this to local Congresswoman XXXX XXXX for Congressional District XXXX and Senator XXXX XXXX. I am helpless and I do not have any money to hire a lawyer. I can only anticipate that Congresswoman and Senator may show some compassion to help me whatever way they can.