Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rodenburg LLP (SD)

On XX/XX/2021 At approx XXXX A representative ( I think XXXX was her name ) returned my phone call in an attempt to work out a debt I possibly owe. Unfortunately, the boxes I checked prior to being able to voice my complaint here are somewhat inaccurate because there was not an accurate one to click on and it would not let me proceed without clicking something. Here are my complaints. 

1. The representative lied to me by telling me they put a lien on my house. ( She was very clear about this and even said the lien on our property would be lifted as soon as the debt is completely satisfied ). I called the courthouse and according them not only is there NOT a lien on my home but unless there was a special circumstance ( like doing work on our home ), they CAN'T put a lien on our house. 

2. The representative belittled me making me feel HORRIBLE by telling me this is such a small debt to take care of. 

3. I was told they would be unwilling to consider any settlement without proof of the worth of our home. When I asked why she needed this I was told that if I could sell our home or take a loan out on our home that would cover the debt, they would not accept a settlement of any kind since this was such a small debt. ( To me, XXXX is not a small debt. I live paycheck to paycheck. ) I would also like to know what house sells for less than XXXX. It all added up to saying that if I owned a home, they would not settle. 

4. She was willing to take payments but not sure if they could accept anything as small as $ XXXXmonth. This payment amount was something talked about .... but after going over finances, I could not see how I could make a sustained payment even close to that amount. She was also unwilling to stop the daily interest which, after going over my debt/income, is more money than I can afford to pay each month! The debt would be getting LARGER even after the small payment I might be able to squeeze out. 

The bottom line is this. Although much of what was said may " technically '' be legal, .... LYING to me about the lien can not possibly be considered legal ... XXXX And ethically speaking, I have never felt so horrible about not having enough money to pay this. I don't understand how I can pay if the interest alone each month is more than I can afford and they won't settle because I am a homeowner ( I'm not sure how legal that is ). I obviously can't take out a loan on the home to pay them because then I have another loan to pay on ( which I can not afford ). 

I am only a homeowner of the home we live in. I have no other property I could possibly sell to satisfy this debt. 

I also received a letter from them some time ago asking me to itemized my belongings in my home. I have bought nothing on the credit cards they are collecting for that would warrant such a thing. Unfortunately, I have misplaced this paper. I am sure all letters sent to me could be pulled from their records though. 

They are giving me no option to pay, making me feel horrible, and lying about putting a lien on our home. 

Thank you for your time.