Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
A cosigned for a vehicle for a ex friend, thinking that she would uphold her end of the bargain and pay the car note. I didnt know how detrimental this could be to my credit. If she did not make the payments fast forward she would she stopped making payments, fell behind and payments. Car got impounded in numerous of times I was never notified about this issue. I only got notified when they were looking for the vehicle to repossess it. I went took the vehicle from her to XXXX XXXX to come get it from my home address then I started receiving letters saying that they were after me to collect a debt. She didnt make a payment then we had to go to court. She went to court with me. They put her on a payment plan she started making payments fell behind again. They came after me and her XXXX of both of us to go to court again they put on another payment plan she started making payments then she stopped. I found out that they were going to garnish my wages so I have XXXX days to go file a written to stop the garnishment at XXXX District Court I did so I had to wait for a court date in between that time they started garnishing my wages, the law firm, Rosen Verseti, LLC in regards to me waiting for the court date they were able to garnish {$1800.00} worth of my work wages, which put me in my family in a financial struggle doing the court proceeding the judge dismiss the case and ruled in my favor. She ordered the return of all garnished wages immediately Ive waited for XXXX months. Ive contacted numerous of people to try to get my funds sent to me. Ive emailed Ive called. Still no response so XX/XX/XXXX I emailed the office again and asked him about my funds. I received the email back from XXXX which I will attach in this statement and he stated you have contacted us numerous of times and on numerous occasions weve told you we are not giving you anything back per XXXX  loss whether the funds have been applied to a debt if the judge orders the return of all garnished wages then that company is to do exactly that he instructed me that they will not be doing that so my response was so youre basically saying you dont care what the judges orders are so I will be taking further actions. I went to XXXX XXXX XXXX. I filed the motion show clause for noncompliance and now Im contacting you all to see if I can get help. I also have emails and supporting text messages from XXXX XXXX, who was the joints account holder for this vehicle stating that this was her vehicle as well as she stated in court on record, this was her vehicle, her debt not mine. All Im seeking is the return of my garnished wages and for this to be removed off my credit report and for you to take action against the person whose depth this really is if you look back into the account, you can see that every payment made towards this vehicle was from XXXX XXXX not from XXXX XXXX. Ive never made not XXXX payment from my cards, my accounts or anything towards this vehicle because it was not my vehicle Ive never had possession of this vehicle never drove this vehicle or anything. Im asking that you just fix the situation for me not for anyone else. Im not calling or contacting you all on anyone elses behalf I understand that this is a joint account, but I am contacting you for the well-being of me and my childrens livelihoods. We are struggling at this point because of my work wage just being garnished and me waiting on them to be returned. We had to move out our home into another home and when we moved here, we fell behind in bills. I didnt have enough for security deposit which they add a late fees to that I just had to go to court because we were facing eviction because Im falling short of paying rent on top of my whole security deposit not being paid for this landlord was nice enough to look out for me and my children but people need their money as well as I need mine, so I understood I have lights, gas water and XXXX younger children that I take care of solely by myself. I am a single parent and Im trying to make sense of everything. We dont receive food assistance so that means I have to buy food with money from my work wages in regards to that what Im saying is please return or help me get my funds returned back to me so me and my family can move forward with our lives. Also if possible to remove this from my debt because its hindering me from doing things that needs to be done.

Company response to consumer: Closed with explanation