Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
I was served a notice to appear in small claims court. If they had sent information regarding this activity was going to take place I did not receive it. This is for a XXXX debt from XXXX. XXXX XXXX is a very aggressive collection company that takes a you directly to court. They wanted me to enter into a XXXX dollars a month settlement along with an exorbitant {$450.00} fee for attorneys. They were denied that request by the judge who reduced to {$250.00}. I let both the judge and XXXX XXXX know my boyfriend had been having XXXX the past year and I could not afford that much of a payment which is why I wasn't paying on the card at the time. We settled on {$45.00} a month which was still going to be a stretch as I have a daughter, had no car and had just taken a {$12.00} an hour job I could walk to even though I have XXXX XXXX XXXX. I used to be doing much better and my boyfriend was on good health and working when I originally had this card. There were some returned payments due to them only accepting bank draft payments which did not come out right away. It took XXXX days and I have a lot of responsibilities being the only XXXX paying bills. The XXXX  payment was XX/XX/XXXX and I paid {$50.00}. The XXXX  payment was returned although I had received an email stating " payment success ''. I submitted the next payment for XXXX twice because the same thing happened where the payment did not go through. I made subsequent payments every month for XXXX XXXX XXXX XXXX XXXX and XXXX. I received a second serving of papers for a second lawsuit regarding this debt even though I have been paying. There online system did not alert me my payment plan had been cancelled and they accepted the payments, the last being on XX/XX/XXXX. There website does not have the number of payments left even though there is a section on my account for this information. I was under the impression I was on time as I was receiving the payment success emails which I have copies of. Upon looking at my statements there was XXXX XX/XX/XXXX that did not go through. Yes there were XXXX more returned payments but XX/XX/XXXX did. They had cancelled the plan on XX/XX/XXXX with no written notice or correspondence via the online portal whatsoever. They are trying to collect another exorbitant attorney fee. I actually have more bills than I did at the previous hearing. {$500.00} rent on top of a car payment and insurance and covering everything for my boyfriend who is recovering from XXXX now and my daughter. This company never contacted me prior to taking me to court nor did they contact me again after they felt I was in breach of contract. They are aggressive and prey on consumers. They are not original creditors and they do not communicate they only sue. There are complaints on the XXXX XXXX XXXX website as well. I feel completely ashamed i have had to take XXXX days of work with no warning and my new court date after being served XX/XX/XXXX late in the evening is on XX/XX/XXXX. I feel this company needs to be investigated for their collection practices as when we went to court the XXXX  time they tried to tell the judge {$45.00} was not enough they did not care about my situation or how much I make. When I called in to figure out what was going on with my account which I have made XXXX payments after the cancellation of my account and they accepted that with no notice of the cancellation. XXXX hung up on me up on opening my account to take a look. Called back XXXX opened my account again and raised her voice at me that payments were returned. When I stated that she did see where I did submit the payments and was making an effort, she cut me off with attitude and stated that I had missed payments. I asked her to please calm down as I was trying to figure out what was going on with my account and she did see where XXXX other payments were made, correct? She put me on hold and hung up on me again. I called back and spoke with XXXX who at least let me know the information I needed that the payment plan had been cancelled on XX/XX/XXXX. I asked if there was a way to settle this out of court to save the attorney fees. We are only talking about a {$1300.00} debt I would be happy to take care of when boyfriend is expected back at work in XXXX months. Regardless, she first offered me a XXXX  months payment plan {$120.00} to start and {$110.00} after that. If I couldn't pay {$45.00} why would I agree to that, when I have more bills now than initially. I asked about the previous plan for {$45.00} she said it was a XXXX  month plan. That if I made a payment today or tomorrow they would send the paperwork via email but it would take XXXX days and by then I would still have to appear in court. That XXXX everything has been processed by then they would share that information with the court. They are really overstepping. I have nothing of value and no property. I do not have the ability to pay this debt at this time. I want to ensure they are investigated for their buisness practices as they just use consumers for debts they purchase and do not contact them until they send someone with papers to go to small claims court.

Company response to consumer: Closed with explanation