Consumer complaint received 2017-01-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Fenton & McGarvey Law Firm, P.S.C. (NJ)

The enclosed undersigned private man, one of the people, a natural resource and the full faith and credit of the United States, protected under Article III section II of the Constitution for the United States of America, with a legal identity known as a Consumer ( natural person ) pursuant to 1692a ( 3 ) of the Fair Debt Collection Practices Act, has received two unwarranted illegal communications from debt collector FENTON & McGARVEY LAWFIRM, P.S.C., specifically from a man named XXXX, dated XX/XX/2016. Together, XXXX & Fenton & McGarvey failed to obtain prior direct consent from the consumer or permission from the appropriate court of competent jurisdiction ( Federal ) to communicate with the Consumer in connection with the collection of any debt pursuant to 15 U.S.C. 1692c ( a ) .The debt collector is not within the United States [ UCC 9-307 ( h ) ] & attempts criminal theft of property against the federally protected Consumer by engaging in identity theft, having illegally obtained my private/confidential, personal, & protected identifying information for its own financial profit and gain. The Consumer has filed an identity theft report with the Federal Trade Commission under complaint # XXXX. The debt collectors communication constitutes theft of the Consumer 's intellectual property & serves as an invasion & trespass of the Consumer 's legally protected interests which are concrete, particularized, & injury in fact, pursuant to 15 U.S.C. 1692k ( a ) ( 1 ) and enough to invoke Consumers Article III standing & jurisdiction. Damages have been assessed against the debt collector in the amount of {$10000.00} per communication, ( x 's 2 ) totaling {$21000.00} for the debt collectors criminal, fraudulent, & deceptive debt collection practices agaInst the Consumer and the Consumers ' household members. In both of the communications advanced by the debt collector through the United States postal service, the debt collector has failed to identify any specific account that the alleged debt is an item of. The debt collector only provides a file number, the name of an alleged creditor, and an amount due, without reference to whom it is owed. The debt collector has clearly failed to obtain & provide to the Consumer pertinent, verifiable information, including a judgement, in regard to any alleged debt & account, prior to advancing both communications, which are meant to harass, oppress, confuse and abuse the Consumer. The Consumer and members of the Consumers ' household have undergone an immense amount of undue mental and emotional anguish in attempting to decipher this unintelligible, profane, obscene, & frivolous communication that has been advanced upon the Consumer. The debt collector is attempting to draft the Consumer ( a natural person ) for performance by giving the Consumer " 30 days '' to dispute, which is another word for argue or debate, the validity of the alleged debt in writing. The debt collector has notified the Consumer that failure to respond within the allotted time would allow for the collection firm to assume the validity of the non-existent alleged debt. Although the Consumer has no duty to, nor is the Consumer under any obligation to respond nor engage in any frivolous argument ( s ) with this attorney owned debt collection firm, the Consumer has been left without choice. To avoid any further injury to the consumer, and to protect the Consumers interests, the consumer has chosen to respond to the debt collector under threat, duress, & coercion for the purposes of notifying the debt collector of its illegal and damaging actions against the Consumer & Consumer 's household, & allow the debt collector one opportunity to verify and validate their allegations.