Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Protas, Spivok & Collins. LLC
State: MD

Complaint narrative:
I am writing this letter seeking your assistance in resolving the damages done to my credit, in which it has prevented me from obtaining the mortgage even though I have paid for what is a cancelled judgment. This document is being written in reference to a garnishment that has NOT been handled properly. I was renting an apartment from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), due to some unforeseen circumstances ; I gave my notice, and left the unit. I was not aware of any balance due, nor contacted for any balanced due. I am currently employed by XXXX XXXX XXXX located in XXXX XXXX, XXXX XXXX, XXXX Maryland. I was previously employed fromXX/XX/XXXX through XX/XX/XXXX. I was rehired in XX/XX/XXXX. Once I was rehired by XXXX XXXX XXXX in XX/XX/XXXX, I was informed that there was an ACTIVE garnishment through the District Court of Maryland in XXXX County ( Case # XXXX ). I was notified of this judgment/garnishment through Human Resources Department at XXXX XXXX XXXX. I was informed of the amount due for garnishment was {$4800.00} and to be paid to a company by the name of Protas, Spivak , & Collins on behalf of XXXX XXXX XXXX, XXXX, pertaining to the unit that was left at XXXX XXXX XXXX. I was told the full garnishment would be completely paid by the end of XX/XX/XXXX. On XX/XX/XXXX, the total payment for the garnishment of {$4800.00}, which was the amount of the judgment reads and was provided to Human Resources XXXX XXXX XXXX, was paid in full. On XXXX XXXX, XXXX, I called and spoke with a XXXX XXXX XXXX who introduced himself as Director, Client Services for Protas, Spivak , & Collins asking for a paid in full letter and more information about this judgment. I explained to the XXXX XXXX that I was never served with any documents pertaining to collections, judgment, or garnishment of wages from anyone dealing with this matter. XXXX XXXX stated the initial judgment was filed through XXXX County District Court on XXXX XXXX, XXXX. He also stated that on XXXX XXXX, XXXX, I was served by a processor with judgment paperwork, where a person by the name of XXXX XXXX accepted on my behalf as my CO-RESIDENT at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX. I then, informed XXXX XXXX that I was not residing at that address at that time. I had moved and had a new signed lease at the resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland onXX/XX/XXXX. I also informed him that it was only the sole renter on the lease. I had no Co-resident on that lease, when I resided at the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX ( XXXX XXXX XXXX XXXX ). The person who was served my judgment documents was not a person I knew at all and have no idea whom this person is. I also informed XXXX XXXX that the garnishment had shown terminated in the District Courts of XXXX County as of XX/XX/XXXX and was the judgment they were collecting on from my employer valid and active. I was not given a direct answer from him. I was told he would not be able to answer any legal questions although he represents for Protas, Spivak , & Collins and I would need to seek legal advice elsewhere. I asked XXXX XXXX to have all documents pertaining to the judgment and affidavit of service emailed directly to me on XX/XX/XXXX. I was told that interest had accumulated on the terminated judgment of an additional {$610.00} would also be garnished from my wages. <P/>As of XXXX XXXX, XXXX, a total amount of {$5000.00} has been garnished from my wages at XXXX XXXX XXXX from a terminated judgment as per court documents. On XXXX XXXX, XXXX, my credit report was pulled to obtain a credit score. It was brought to my attention that there was a collection on my credit report from a company by the name of XXXX, XXXX, for a collection amount of {$4400.00} for XXXX XXXX XXXX XXXX this amount was requested in the judgment in case with XXXX XXXX XXXX XXXX, District Court of Maryland in XXXX County ( Case # XXXX ), so same amount was reported twice on my credit a ) by the collection company, b ) as a judgment by the court There is also a judgment of my credit report from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX represented by Protas, Spivak, & Collins in the amount of {$4700.00}. This  judgment shows terminated as of XX/XX/XXXX in the District Courts, but Protas, Spivak , & Collins has collected a total of {$5000.00} as of XX/XX/XXXX in garnishment of my wages from XXXX XXXX XXXX since XX/XX/XXXX. This issue being was reported incorrectly. My issues as of this point are the following : *I was never properly served any paperwork concerning this debt. I believe they were aware of the fact that wrong person was served, yet they testified in court that it was properly served. * I was not connected in any way to the person that was served the judgment documents. * I have been paying on a terminated judgment from Protas, Spivak, & Collins since XXXX XXXX that I was never served, and legally not valid. *My employer nor I have received any updated documentation of the judgment/ garnishment from Protas, Spivak, & Collins since XX/XX/XXXX ( I left the company XXXX XXXX and returned XXXX XXXX, which is well past the 90-day rule written in Rule 3-346 ( k ) Termination of Garnishment for Maryland. * This amount has been reported twice on my credit report and neither Protas, Spivak, & Collins ( Judgment Company ) or XXXX XXXX, ( Collection Company ). Whom both represent XXXX XXXX XXXX XXXX in reference to XXXX XXXX XXXX XXXX  agreed to cooperate. I have made phone calls, and spent hours pleading to them to correct their document, but they were rude and unhelpful. Please kindly help me to resolve this matter. I am looking forward in hearing from you, please dont hesitate to contact me at phone # XXXX And my email XXXX Very truly yours, XXXX CC : XXXX , Human Resources, XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX Director, Client Services Protas , Spivak & Collins Cc : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation