Consumer complaint received 2022-10-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX filed a lawsuit against me at an address I haven't lived at in years on behalf of CACH , LLC. I called the court and let the courts know, and they put a note in my account and also requested that all court dates be virtual going forward and they told me to call XXXX XXXX XXXX to find out what the charges are for. I then called XXXX XXXX XXXX to let them know that I do not live in NY state. I also knew nothing about the charges so I asked them what the charges are for. They read off a creditor name that I did not recognize and asked me to pay somewhere upwards of {$3000.00} for these charges. I still do not know what the charges are for. I informed them that I live across the country, and have not lived at that address in years. I then asked for the dates of these charges, and the date of delinquency/last payment. They said the date of delinquency was in XXXX, which would be past the NY State statute of limitations, ( which is 3 years ), and past the FDCPA statute of limitations ( which is 7 years ). When I brought this up, the person I spoke to, got agitated and said they were not a lawyer. I then asked to speak to the lawyer, as I'm a pro se self represented litigant. She said " he's not here right now ''. I mentioned the statute of limitations again, and they told me to work it out with them ( right then and there ) or " just go to the courts then '' knowing I live across the country ( in a completely different time zone ) and I would spend more money on plane tickets and transportation to even get there and back. I also have a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and can not just fly whenever I feel like it. I can provide my hospitalization records to show that, if needed. I requested a call back last week, so I could speak to the proper lawyer, and I have not received any call back yet. The line also disconnected when I was trying to confirm the call back number to speak to them. I think XXXX & XXXX said the creditor name was XXXX XXXX XXXXXXXX '' but I'm not 100 % sure because the person I spoke to muttered the name. I called CACH , LLC at their XXXX number on XX/XX/XXXX, but was unable to get much help because I had to know what type of account it was. I finally got through to someone in the queue and they gave me a different creditor name of XXXX XXXX. I also informed them that I am out of state as well. I told them that I do not recognize that creditor name either. They initially agreed to send to me a copy of the contract documents today ( XX/XX/XXXX ) .... ( and after the lawsuit has already been filed ) so I could see what the account charges are for. I also gave my current address, where I have paid to have mail forwarded for a few years, and I have not seen anything from CACH or XXXX XXXX XXXX on this matter. I also asked for all original documentation. They put me on hold. They came back on the line and stated that they actually want to hold off on sending me the contract documents for now so the account can be reviewed ( I'm not entirely sure what that means ). They also told me they would possibly be recalling the account from XXXX XXXX XXXX XXXX and to call them back in 72 hours to get an update. They said they were not denying my request for the original documentation, but to give them a few days since there has been a lot of back and forth and a lack of information, that should have been discussed and/or presented prior to getting sued. I also expressed again that I was hospitalized with a pulmonary embolism and that I do not fly due to that health reason. I have XXXXXXXX XXXX even when im on the ground. I expressed how frustrating this is to be sued for something and not know exactly what it is for.