Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Law Office of Michael J. Scott, PC (TX)

Due to divorce and child support, I fell behind on payment to Bank XXXX XXXX XXXX XXXX. I moved out XXXX to dramatically reduce my cost of living. I agreed to resume payments to Bank XXXX XXXX card services and began making payments under a Repayment Plan. Even though I was paying, they referred to a collection attorney who filed suit XXXX even though I made payments per the repayment plan. They successfully got a judgment because I was traveling for work and unable to appear. I agreed to a stipulation and began ACH payments at the same amount as the repayment plan. The plan was fixed and no additional interest would be charged. I never missed XXXX and paid down the debt by over {$4000.00}. I moved XXXX for a better job and increased income. Unbeknownst to me, XXXX XXXX XXXX fired the original law firm so my ACH payments stopped. I did not realize right away because I had a dedicated account just for this payment. No notice was provided. After several months I realized they stopped drafting payments, I called the original collection attorney. They could not help me. After 30+ days, I found out they lost the XXXX XXXX XXXX account and it was transferred to another law firm. I called the new attorney, after two weeks of research they said the case was closed by the client. I tried calling XXXX XXXX XXXX, was transferred to a outside vendor for XXXX XXXX XXXX, XXXX XXXX. They could not help me. I received a notice in the mail from XXXX, XXXX XXXX XXXXXXXX that they recorded a Domestication of Foreign judgment in XXXX XXXX. No one ever notified me. The person I originally dealt with, a male ... XXXX or something like that, yelled at me, threatened to attach my wages and bank accounts, that I needed to stop being a scumbag and pay up. He said that the Domestication of Foreign Judgment does not require I be notified. I told him I was able to get the money to pay in full but I needed written confirmation of the debt amount and that the judgments XXXX would be removed. After months and months of arguing with him, he demanded $ XXXX. The original debt was just shy of $ XXXX and the stipulated judgment XXXX said no additional interest or fees. XXXX said I needed to pay the court costs XXXX plus penalty interest. I argued again and supplied documentation that I owed {$10000.00}. He said he would have to contact the client. This went on for months. I finally spoke with a woman and paralegal, again I am not sure of her name, but she was better. After a few weeks she confirmed that I owed {$10000.00}, which included a little over {$300.00} in court costs. It took a couple of weeks to get the settlement terms squared away - XXXX, XXXX XXXX XXXX, XXXX would accept the full payment to satisfy the debt, they would file the necessary paperwork with the courts XXXX to remove the judgments and notify their client of full payment. I assumed this was done. I received an acknowledgment letter on XXXX XXXX, XXXX from the law firm that they received an accepted my payment. The attorney failed to perform recording the requisite satisfaction of judgments. Trying to buy a new home, this came up and looked like it would disqualify me. I called XXXX XXXX XXXX and tracked someone down. I had to fax a letter to XXXX XXXX, which in turn got someone from XXXX XXXX XXXX to call me. They agreed to have the law firm record the judgments and fix my credit rating pursuant to their letter dated XXXX XXXX, XXXX. Again, they failed to perform. As of today, my credit is not fixed and XXXX judgments remain recorded and in full force. I received a letter to appear in XXXX XXXX XXXX XXXX XXXX before XXXX/XXXX/XXXX. I spoke with XXXX XXXX XXXX yesterday XXXX and was told it 's with legal. I have to take time off work to go to court for their error.This is extraordinarily punitive when I performed as agreed.