Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCMI Corporation
State: OR

Complaint narrative:
Been dealing with XXXX XXXX for some time now. Filed complaint once because of garnishment they issued when I didnt even know they were the ones collecting and got it dropped. They later renewed an expiring judgement and tried to garnish again. Its for at least XXXX XXXX XXXXXXXX XXXX  debt from different state! Had to file another complaint to get them to work with me at lowering payment amount to avoid garnishment. 

Have been making monthly payments of {$200.00} now for about a year and half and have paid at least {$3000.00} now towards balance. Original debt was only {$4000.00} something and the rest tacked on is all interest and fees so I have paid a very large amount of original debt now. I can not afford to keep making XXXX  monthly payments, I could not afford it before but agreed to avoid garnishment. 

I have explain my situation many times to XXXX XXXX via email and letters. That im in XXXX, single income, rent and bills take most of my income. I need XXXX XXXXXXXX due to XXXX XXXXXXXX but can not get XXXX done as my time off from work I would not get my full pay and with the {$200.00} payments I absolutely would not be able to afford my rent or bills. 

So have been having to keep working and dealing with pain everyday and this is all very stressful and frustrating. I asked them in XXXX if they would accept the amount already paid as settlement and stop collecting the monthly payments and explained my situation in great length once again. Reply back was standard repeat of what they sent before just saying they aren't garnishing and when payment plan would end. XXXX sympathy or understanding or acknowledgement really of situation or what I said. I replied back to their message without any response back to my XXXX message back in XXXX. 

They are not even the company that bought the debt. NCMI Corp is one who had bought debt originally and started having XXXX XXXX  collection on their behalf. NCMI had refused to speak to me at all and go through XXXX. NCMI is not even in business anymore! XXXX bought them out which i found out myself when looking online, never received any notification about it. XXXX confirmed they bought ncmi and also refused to speak to me! 

From research online and what family member in finance told me is that collection companies buy debt for very little of original amount so my {$3000.00} I have paid I know for a fact is way more than NCMI had purchased debt for and whoever is keeping the money had made a decent profit by now! The interest and fees tacked on having nothing to do with original amount of what it was bought for. So many things I have researched have said debt collectors etc are usually willing to accept some sort of settlement amount of debt. 

Im literally begging at this point to accept the {$3000.00} ive paid now and move on. Its a really old medical debt from a procedure I had to get and insurance refused to cover all of and then I got stuck with amount. You'd think an old medical debt collection places would be a little more forgiving. Im getting desperate at this point and ive have tried multiple times to get this do be done with so I can move on from this debt and not have to keep stressing about money. Hoping filing another complaint with all this info would get something done again.

Company response to consumer: Untimely response