Consumer complaint received 2020-02-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CO)

I was told by this company this was a very unique situation. The previous answers I gave to get to this point are NOT the reason I'm contacting you. 

On Wednesday, XX/XX/XXXX I was informed by my employer they would no long be able to use my services after 10 years of employment due to a garnishment by Jefferson Capital Systems , LLC, phone number XXXX or XXXX. I called Jefferson this day and was told they were about to close and call back tomorrow which I did and talked to XXXX who answered the phone. He said he was not a lawyer. 

I explained losing my job due to this garnishment, he said this was unique circumstances that he wasn't familiar with and went and consulted with some other people. ( I don't know who. ) He came back with two options both involving very BIG payment of thousands of dollars and said that was all they were able to do. I told him there was no way I could do that and isn't there anything else they can do. I was willing to make payments but I couldn't if I wasn't working and wouldn't something be better than nothing. He said this was their policy and if they changed it for me they would have to change it for everyone which made absolutely no sense to me. They made the rules they should be able to change them. I told him in that case I guess we're both just screwed. He said I guess so and that we were only rehashing the conversation and was ready to end the conversation. 

This made no sense to me and I asked to speak to the lawyer who did the garnishment. He finally agreed to that and put me through to her voicemail. I asked for her number directly and he said they weren't allowed to do that for some reason. He didn't know why. 

I left a voicemail for the lawyer ( XXXX XXXX XXXX ) explaining the situation and how now I was out of a job. She never called me back. I called the next day and XXXX answered again. I told him XXXX didn't call me back and he seemed irritated and tried to get ahold of her. It just went to voicemail again. I asked him if he could please write a note and get it to her so she will call me back. He sounded irritated ( not with me ) and said he would personally give the note to her supervisor to give to her so she'll call me back. This was Friday. She never called back. 

They are looking for {$7300.00} and wanted payments of {$250.00} when this initially happened XX/XX/XXXX. I told them then I couldn't do that as I'm a contract worker and my work isn't always steady. But I wanted to start paying something like {$100.00} a month until things financially got better. They again, would not work with me so I didn't know what to do. 

I've explained to them that I know they pay pennies on the dollar for these write-off credit card bills and wasn't getting something better than getting nothing? Nobody will call me back. I feel something is very suspicious with this company. I have NEVER had a creditor who wouldn't work with me and they always got their money paid by working with me. 

I need help. Again, as I said, I am out of a job now. I have other bills that need paid. And the fact that they won't even call me back is infuriating. XXXX told me they couldn't lift the garnishment because it was in garnishment and there was nothing they could do. When I questioned him on if they placed the garnishment can't they cancel it he said something about that not being their policy. Again, that was when he pushed me to the voicemail of the lawyer who just will NOT call me back. 

I think this company not only needs looked into for predatory practices and unfair, unprofessional behavior but also let them know that an unemployed person isn't helping anybody. I want to set something up for repayment but I am getting no cooperation and, again, until the lift this garnishment I have no job. Thank you.