Consumer complaint received 2022-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stenger & Stenger, P.C (GA)

In XXXX my credit cards were hacked. The person paid my credit cards or tried to with someone else 's XXXX  XXXX XXXX account which I do not have. When it was rejected my credit scores tanked. I worked the next 3 years trying to repair my credit my credit and Abiding by those agreements with the credit cards. I contacted credit one the only 1 left to resolve and they immediately close my account when account would not listen to what happened and did not care. I had not heard from them until XXXX of XXXX which was from their legal. I. I tried to pay what I could and offered a settlement at all meant which I could have paid all at once.They would not work with me. I again called a couple months later and again made an offer and still they would not listen.They had been adding extra fees and late charges target 's on the XXXX and it came out to be about {$400.00} difference.We went to court a couple times once in XXXX of XXXX and then again XXXX in XXXX again made an offer I had a legal service that sent them a letter in XXXX and they declined it. We again then went to court when it was taken off the schedule in XXXX and they still would not work with me. When we went to court in XXXX the Judge said they did not need to work like the credit card companies did our companies did and did not have to play by their rules. I had the same documentation of proof as what there as what they're representative from They're law office and since I had nothing else to show Need difference besides the one letter of my offer to settle the judge cited with them. In court the judge said I needed to pay the {$1300.00} instead of the {$920.00} that I had come up with and so did they. In court they're legal said that they would agree not to add court charges on which now I see on my credit report that collection has been then increased.Because of what has happened back in XXXX since I have tried to work with them and they declined I don't understand why they should be any different different instilling than a credit collection company. I think this is totally unfair there and now that I'm on a fixed income and retired I can not afford to pay what they want nor increases. I offered them More than half of what I owed and they still would not accept. It doesn't seem right that they do not need to abide by rules of the collection companies also.I would appreciate some assistance. I have not heard from them since we went to court in XXXX until I just saw this on my credit report. I have received no letters no letters.. Nothing saying what I needed to pay but right now I can not pay anything but {$10.00} a month. I will probably be dead before it gets paid and I don't understand why They are not trying to help resolve this issue. I feel I am being taken advantage of... I recently retired from XXXX XXXX XXXX XXXX  and am a XXXX Veteran. I know I'm on a fixed income as I said and finding it very difficult to make ends meet as it is. Can someone please help resolve this issue.. According to them it's a close court case now but I never had my say and never Had them listen to that my credit cards were hacked. Why doesn't a legal office have the same rules as a credit collection agency? If I make an offer that I can pay over 50 % why can't they accept accept? Now that I am retired it will be very difficult for me to pay that now. I had no problem paying my credit cards off. Had never been late On any of my credit cards. My credit had been excellent until this happened and I happened and I have work to get it back to that again. If I had never paid any of my bills and trying to get all this written off just because I didn't want to pay it would be different but this was all through no fault of mine and as I said my credit score was very good at the time when this happened.