Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions
State: NY

Complaint narrative:
Yesterday, XX/XX/XXXX I received a call from XXXX Judgment Solutions ( " FJS '' ). I spoke with a man who said his name was XXXX. He said that FJS is not a collection agency, but a mediation agency. He told me that I owed money from XXXX XXXX. I asked him for details concerning the debt. He said that I was sent a letter in the mail and that my only option to avoid being served at my home or place of employment was to enter into remediation. He said that FJS is in XXXX Wyoming. He said that the debt was from a XXXX XXXX chargeoff account. I contacted XXXX explained that I received a call from FJS and asked if I owed money to XXXX. I called FJS again and conferenced XXXX into the call. XXXX said he would consult with the legal department and return my call. I did not receive a return call but later spoke with XXXX XXXX XXXX who said that she would speak with the legal department and see what they could do to reduce the debt, but that the letter would be e-mailed to me. When I opened the email it came from the email address case management and was a docusign document - not FJS. I did not open the attachment because I was expecting a letter from FJS. XXXX XXXX called me repeatedly telling me my home phone number and address was proof that I owed the debt. I told her that was my previous phone number and address but that did not prove that I owed money. I asked her if she could provide me proof of the debt ( i.e. bills - she said they are not a collection agency ). She said that once we go to trial the bills and proof of the debt will be provided to me, but that if I choose to go to trial an additional cost of {$2500.00} will be added to amount owed - or she could help me out if I accept remediation. My home phone number and address are public information. That does not prove that I owe a debt. I provided FJS my email address so that they could forward me the correspondence I never received. If someone owes a legitimate debt then FJS should provide proof before offering a person remediation - or else. There are a lot of scammers out there. I told XXXX XXXX XXXX repeatedly that if I owe a debt, I will pay it, but just because someone gives you your old phone number and address is not enough reason to have them {$1300.00} or the {$900.00} that she negotiated with the legal department to help me out. XXXX XXXX said FJS is not a debt collection company, but they are offering me a deal to avoid court - or else. Please provide me proof that I owe a valid debt and I will be happy to pay it. Many people today are scammed by people strong arming them into paying off a debt for fear of the consequences. Telling someone that proof of the debt will be provided only at trial- doesn't seem quite right to me. I have attached the emails I received from " Case Management XXXX '' I do not open attachments that do not come directly from the company I am dealing with. Please advise.

Company response to consumer: Closed with explanation