Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Blitt and Gaines, P.C. (MO)

At  XXXX . On Wednesday,  XX/XX/XXXX , I received a phone call from  XXXX  of  XXXX   XXXX   XXXX , my bank  XXXX , informing me that they received a Gsrnishment,  Casd  Number  XXXX , on my account.  XXXX  also said my account was frozen, not to draw on it and to come in on Thursday,  XX/XX/XXXX , and speak with  XXXX  who was n't working on the  XXXX . She also asked if I was familiar with  XXXX  and I said no.   On Thursday,  XX/XX/XXXX  I visited my bank and spoke to  XXXX .  XXXX  asked me if I was familiar with  XXXX  and I said no wherein she then asked if  XXXX  was familiar and I said yes and if I could see the Garnishment. And in a quick review, I told  XXXX  that this looked like a matter in which I have paid on for more than three years. In that I was n't served a copy,  XXXX  made me a copy of the Garnishment. I asked  XXXX  how much of my funds was at risk and she said {$2400.00}. And I replied indicating that they were limited in what they could take. But assured me that they could get the total Garnished amount. Once home my review verified that this indeed was an account that I 'd paid, check #  XXXX  {$25.00} dated  XX/XX/XXXX , on since  XXXX ,  XXXX . And my last payment, ckeck #  XXXX  {$25.00} dated  XX/XX/XXXX . These checks were all issued to   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MO  XXXX  :  XXXX , Fax  XXXX .   On  XX/XX/XXXX , I phoned the   XXXX   XXXX   XXXX   seeking a deferment of payments  XXXX  through  XXXX , resuming payments  XX/XX/XXXX . However to my surprise, I was informed that Blitt And Gaines,  XXXX   XXXX   XXXX ,  XXXX , IL  XXXX  :  XXXX . I phoned  Blitt  And Gaines and spoke with  XXXX   XXXX  at  XXXX . Friday,  XX/XX/XXXX . After I identified myself and account and that I needed help with this account. She explained that it was costing me $  XXXX  interest and told me that  XXXX , extension  XXXX , had responsibility for my account  XXXX  formerly  XXXX  with  XXXX .  XXXX  said  XXXX  was n't in and that she would give  XXXX  my message to include to call me.   In that  XXXX  did n't call me on Monday,  XX/XX/XXXX , I called him the next day, XX/XX/XXXX  at  XXXX . and left him message reiterating my purpose and asking him to call me. He called me back at  XXXX .  XXXX  reluctantly agreed to defer my {$25.00} payment  XXXX  through  XXXX  with my next payment due  XX/XX/XXXX . In his persistence, he asked if I could pay {$10.00} per month. I said no but I would $  XXXX  effective  XX/XX/XXXX and he said that he 'd call me back in  2-3  months to see how things were going..  <P/> So naturally learning of this Garnishment, I immediately called  Blitt And Gaines  a phone call on Thursday,  XX/XX/XXXX   XXXX .  XXXX  answered the phone and I told her that I was getting no opportunity to leave a message for  XXXX   st e xtension  XXXX .  XXXX  the informed me that  XXXX  was no longer with Blitt And  Gaines  and that she would transfer me to  XXXX   XXXX , extension  XXXX . After I explained that they had Garnished my bank account even though I had secured a deferral of my payments  XXXX  through  XXXX  with resumption of payment effective  XX/XX/XXXX .  XXXX  insisted that  XXXX  's notes did n't confirm my account of agreed deferral and that the Garnishment must go forward. However he reluctantly said that he would listen to myo  XX/XX/XXXX  phone conversation with  XXXX  for such deferral agreement and would call me back.  XXXX , when asked, gave me his phone extension,  XXXX , and  XXXX  's,  XXXX  who responsible for my account.   After not getting a call back from  XXXX , I phoned them back on Monday,  XX/XX/XXXX  at  XXXX  p.m. seeking their finding verification of deferral agreement listening to recording. I phoned  XXXX  who initially said that  XXXX  had 'd spoke to him about our XX/XX/XXXX  phone conversation. He did n't know anything about my account or prior phone conversations but maintained that the recording did n't reveal deferral agreement. I then asked if I could speak to a manager and he said I could speak to his supervisor. After a brief hold  XXXX   XXXX  came to the phone stating that he was the supervisor and that the  XX/XX/XXXX  recording failed to verify deferral agreement and that the Garnishment stands. It is also worth noting that I just received Garnishment copy from  Blitt And Gaines   XX/XX/XXXX . Does n't seem legal or JUST.