Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC (TX)

The Original Debt belongs to XXXX out of Delaware. Back in late part of XX/XX/XXXX i had called them due to I had insurance that would cover if I ever became unemployed or had to go on a mediacal leave and couldn't afford the payments. I had contacted XXXX and they had informed to me that I would have to let my card be in default of 2 months or over to be eligible for their hardship program. So, I contacted them in XX/XX/XXXX and was told that I now qualify to be apart of the program and had to pay {$41.00} per month to get started in the program and would have to do so for 6 months without defaulting and that while on the program that my card would be on hold. Once the six months was up of XX/XX/XXXX the card would become back active and the {$240.00} would come off the balance which should have been around XXXX. Keep in mind I never defaulted during the 6 months hardship program.When completed they had closed my account and didn't send me anything stating that my account was closed or what my new balance was or what would be the next steps. Finally I contacted them to see why my payments was going up on a closed account and the calls where always going to a call center in the XXXX. They informed to me that it was due to interest and late fees, but I informed to them that during the program that I was informed that there where no, late fees and interest. Also that if my account is closed and that I dont have access to it why was there nothing sent to me informing me of this matter.I called the number on the back of my XXXX card after getting my credit report and having a credit repair company help me. After making several attempts to XXXX and finally getting a live rep in the XXXX.Comes to find out that on XX/XX/XXXX my account was closed and charged off in the amount of {$1600.00} and it was given over to a Debt colllection company out of Florida by the name of XXXX, when I contacted them they informed to me that they no longer had the account and handed it over to a law firm By the name of Scott and Associates P.C. XXXX never still sent me anything informing to me that they had sent or either sold off my info to either one of these companies. How I found out about Scott and Associates, they had sent something to a court back on XX/XX/XXXX and had it filed on XX/XX/XXXX stating that they where sueing me for XXXX Delaware  in the amount of {$2000.00}. So when I contacted them in regards to this matter around XX/XX/XXXX, one of Scotts and Associates workers informed to me that i would have to pay XXXX a month for 35 months directly to them and if i missed one payment that they will file again take me to court and then from there they would seize anything that i have worth value, freeze/garnish if any bank accounts and paychecks, and this would show up as a judgement on my credit. When I told her that I dont have a job at the moment, she then stated well we can't do the payment arrangement and will have to take it to court. I then stated I didn't feel that it was right for them to deny this if a person doesn't have a job. So, she then stated that she will send me the paper work to sign for the arrangement and that she needed it back asap.It then showed settlement agreement in the amount of {$2100.00}. Which I did not agree to pay .I called XXXX back in regards to this matter and was asked what is that I want to to do by one of their Supervisors in XX/XX/XXXX. Do you to make a payment with us ( XXXX ) and I was like yes, if I can, but then she stated well we don't have the account anymore and you will have to contact whomever they are telling you to contact.I asked her why is it that XXXX never tried to contact me or send me any notifications that they had sold off my information or account, not one, but to two debt collection agencies. She really didn't give a response and then started to get unprofessional with me. This is the true reason that I am filing a complaint. Due to what it shows on my credit report as of XX/XX/XXXX, and the different amounts, the charge off dates, and the fact Im being sued without giving the proper notice or a proper and cordial way to solve it with XXXX XXXX, not XXXX, or Scotts and Asociates Debt Collector Law Firm.