Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Results Unlimited, Inc. (VA)

This new complaint is an addition to my previous complaint against Results Unlimited. According to Virginia Commonwealth law, every attempt must be made by the debtor to find the LEGAL ADDRESS of the individual with the debt ; not only did Results Unlimited not do this, they used an address that clearly had no financial tie nor tax-payer tie to myself, the one who owed the XXXX debt. 

After I talked to the XXXX court, I recorded two conversations : the first conversation was with a very rude city official. I do not fault her, her job must be tough working on the phones but is heard on record saying, we have no say in where the mail is sent to maam you need to come back with a lawyer. The second recording I have of the city official in the civil court office is of the same woman mentioned previously and a colleague. The college of the civil court desk worker informed me there were no closed, nor open cases under my name, social, and or DOB. I said, are you sure because I am pretty sure there should be something there for XXXX. The lady I spoke to in the first call that I recorded abruptly took the phone ( from what it sounded like ) and told me, I told you last time we have nothing to do with addressing and nothing to do with that. Get yourself a lawyer. I said, Maam, I spoke to, and recorded a conversation with Results Unlimited- they gave me my girlfriends address to serve me my court summons. According to Virginia Commonwealth law, if you are notifying a resident of the state for a summons to court via mail, you must have the legal address for that individual if it is known. You may not have known it, but I moved from Apartment X on X street to apartment Y on Y street in the month of may- that is nearly 60-days prior to the date I was informed the summons was sent. You must send it to my LEGAL, TAX PAYER address. If you were to have run, or Results Unlimitted ( + the affiliated law firm ) ran a Skip Trace on my name, social, and or DOB, Apartment 2 on Y street in City Y appears and would have appeared within thirty days of moving to that new address on any traces performed - I had already had updated the Tax office of my move so they could send me a form, as well as have had several to 100+ pieces of mail ( government and non-government ) sent to that address. They knew the correct address. Whether you did your job correctly is irrelevant. I was not notified correctly of the court proceeding and therefore a new trial must be request as well as a possible dismissal. I have rental agreements my W2 and pay stubs ( with social and legal address ), all from XXXX to current moment in XXXX. 

I went at great lengths to prove my point. I informed Results Unlimited ( RU ) that sending my mail or notice of a debt or summons to court to the wrong address, full well knowing it is the wrong address is illegal - that tactic is used by most debt collection agencies because default-fraud is hard to prove. RU used a Department of Defense form with my girlfriends address on it to inform RU where I supposedly was. Debt Collection agencies must perform skip traces to assure they are sending mail to the correct address. My girlfriend, never recieved more than one item of mail referring to the XXXX debt in my name and the interesting fact about that is I had recently paid XXXX XXXX and XXXX XXXX as well as pay XXXX via bank card. I was very confused as to why I had to pay more when my ex-wife said she would pay the remainder of the debt ; in my eyes no more money should have been owed on my part. In order for debt-collection agencies to begin the legal process they have to run skip traces to make sure they have the CORRECT ADDRESS to notify said individual of a court process. Apparently RU has been known for running skip traces, finding previous addresses or addresses you have had packages sent to yet no financial tie and giving that address to the legal team in order for them to a ) sue you b ) give the court an address ( the wrong address ) to send a summons and then finally c ) wait for you to not show up at court because you do not know, and there by effectively default and have ZERO clue what is going on. 



I called a private investigator company ( two in particular ) and inquired : how many days does it take for an address you have newly inhabited to show up on a skip trace or any programs you would use/methods you would use to conduct a skip trace? - the reply was un-shocking. It only takes 2-4 weeks for results of a new inhabitance to effectively be traceable. RUs legal office they work through in order to sue the individuals who have a debt, use the same procedures and programs a PI would use to skip trace/track an individuals MOST CURRENT, LEGAL RESIDENCE ; my girlfriends previous residence would have shown, this is true, but so would have Apartment Y and on Y street and would be the most recent of the addresses to effectively be found - making it the quickest to pop up. I have had over 25 pieces of Veterans Affair mail sent to Apartment Y on Y street - those SURELY would pop-up on a trace as well as a document for legal divorce was sent to my previous address on XXXX XXXX in XXXX- which several postal services had forwarding orders to send mail addressed to XXXX XXXX XXXX XXXX to my new residence at Apartment Y on Y street. There is zero excuse for RU and their legal team as to why they purposely gave my girlfriends street address, an address I have never paid bills at nor legally resided EVER, to the XXXX XXXX XXXX to send a summons. 

If that was legal ( sending a summons to a non-legal residential address for an individual ), everybody in family/divorce/civil court in general would be doing that- you would get so many easy defaults just by the factor of nobody knowing they needed to be in court and losing due to a no-show. 

This is my second complaint. Until the bank holds are taken off my account for the bank check I sent in, I will not stop my complaints. They illegally notified me of a court proceeding knowing I never lived at my girlfriends Address. Also, upon move out of XXXX XXXXXXXX XXXX XXXX on XXXX XXXX XXXX, I had very clearly stated on several Department of Defense forms that I was moving to an address on XXXX XXXX - I had to give the XXXX XXXX XXXX my legal military orders to emergency break my lease and it contained a new legal address and POC to find my new legal address if there was any confusion. That POC was my United States XXXX XXXX XXXX XXXX - She had several forms stating my move to XXXX XXXX in XXXX. I did not blatantly announce to many nor right it on more than 9 forms or so because I was back then just coming out of an extremely mentally and physically abusive marriage in which the woman was refusing to agree to separate nor divorce- which made it possible for her to find any new address of mine very easily through XXXX. Never the less, XXXX knew I didnt live at Apartment X on X street, because I had physically gone into the office and upon move out notified them of my new address in person. I know for fact there are CCTV cameras that were in the main building that record sound - and if they still have them I am positive you will hear me on my specific day of move out telling XXXX and filling out paperwork to move. 

Also, you are LEGALLY only allowed to hold the amount for which you are indebted for, which for me is XXXX some odd dollars. Why do I have an excess of XXXX USD charges ( two separate holds of nearly XXXX dollars ) on both checking accounts I have my social connected to? That seems very odd and not legal. 

RU, XXXX, and The legal firm RU uses though it would be slick to use a non-legal address for me to summons me so that I defaulted. I paid the debt. I hate that I have that debt but my wife at the time trashed the apartment with her friends while I was in a hospital staying there from the abuse I endure- and even though she abused me, her debts are my debts until we divorced. I understand that. But what we are JUST NOT DOING here is being shady, being rude, and deceitful. If I was not in XXXX XXXX and had way more time on my hands I would 100 percent lawyer up and take on all three separate entities on this one topic. I have plenty of familial money. But they did not even give me the opportunity to defend myself in court in front of a judge and that is just illegal and wrong on so many levels.