Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Messerli & Kramer P.A. (MN)

There is a past due credit card balance from XXXX, which I do owe. I am not disputing the debt itself. My complaint is on how the Messerli & Kramer law office ( XXXX, MN ) if handling the process of the debt settlement. I was notified via mail of XXXX taking action to collect the debt. Received document from State of MNXXXX XXXX with Docket date of XX/XX/year>. In addition, a garnishment summons was received via mail, also dated. XXXX XXXX. It did include exemption forms, however the levied amounts on all documentation was {$0.00}. There is no total amount filled in anywhere on these documents to specify the account balance that is due or the amount of funds that are being levied. ( wording from document ) On XXXX XXXX a garnishment of {$10000.00} was pulled from our XXXX XXXX  checking account. This amount was greater than the unpaid balance amount listed on the court document. Listed amount {$9500.00} At this point we contacted XXXX XXXX  who confirmed the funds were being held for garnishment. I contacted the office of Messerli & Kramer and they were unaware of said funds being held at all. After further discussion via phone, I told them that the funds were pulled from XXXX XXXX in order to resolve the debt owed. XXXX XXXX confirmed they sent communication to Messerli & Kramer confirming this garnishment.

The full amount held from XXXX XXXX covers the entire debt owed so I assumed the matter to be resolved soon and expected completion. 
XXXX weeks later, my wages began being garnished. I immediately called Messerli & Kramer to question the wage garnishment when they already withheld {$10000.00} to cover the debt. They claimed to not know about the withheld funds and claimed XXXX XXXX never notified them. I had a copy of XXXX XXXX document via email that I offered to email them directly. The representative told me I had to fax over all info. I do not have a fax machine, nor is this a realistic request when almost all corporate communications goes through email format now. 

It has now been over XXXX months. I have made several phone calls a

nd even offered to drive there directly today to sign any and all documents needed in order to get this matter resolved and paid in full. I have been placed on hold too many times to count, received no clear communication, and Messerli & Kramer continues to claim they have sent a document via mail that I need to sign to finalize this issue. I have received nothing in the mail from them in the past month. In addition, the amount I owe continues to go up since they are charging me continued interest of the debt owed. As of today, when I offered to drive directly to the office and complete all necessary steps, I was told there was nothing more I needed to do and it would all be taken care of. This company has {$10000.00} of my money held via XXXX XXXX garnishment office still. Pulled on XX/XX/year>. 
They also have garnished my wages in my last XXXX paychecks. Totaling {$2600.00} These amounts combined clearly cover the amount of debt that I owe. This matter has gone on for over XXXX months now and they continue to give me the run-around. Per todays phone call, I was told it would be taken care of but I do not trust that they will get it done. They have claimed this before and after each phone call I am given some other reason/excuse as to why they have not closed my account and settled the debt. Meanwhile, they are continuing to charge me interest.

I would like the debt to be paid in full and settled. The wage garnishment to be stopped. All remaining funds should be sent back to me and this matter should be closed.

Thank you for help in this situation. I only wish for the debt to be paid and the proper steps to be taken to refund the extra money back to me.