Consumer complaint received 2025-05-23 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: Ragan & Ragan, P.C.
State: GA

Complaint narrative:
I am very aware of the debt that I have and never denied paying it back. This debt was from back in XXXX, when I was young and did not know better or know much about credit cards. Now I am a XXXX adult trying to right my wrongs and pay things that need to be paid. This company tried to collect money from me and tried to before doing a wage garnishment at my old job but was not successful as I did not make enough money at that time for them to do that, which was in XXXX or XXXX I believe. I waited till I got a stable enough job, so I could make payments. Well I sent a letter directly to the company explaining the situation with a money order of {$75.00}. The company then cashed the funds I sent to them, and I continued to pay them bi-weekly from XXXX till about XX/XX/XXXX. I started having personal and health issues which cause payments to stop. I have tried multiple times to contact this company. Nobody ever answers the phones, if you do speak to someone their attitudes and how they speak to people are beyond disgusting/unprofessional, and they will talk down on you, cut you off or hang up on you. That is not how you conduct business with anyone! I have been trying to set up payments with them or trying to pay since last year. They refuse my payments or anything every time over the phone, which I do not understand what so ever! You are trying to collect money on a collection, why are you refusing money? This company did not reach out to me, email me, call me or nothing ( nor returned any of my calls after leaving voicemails ). Instead they went and filed to garnish my check again, which was filed on XX/XX/XXXX and I did not receive anything till XX/XX/XXXX. My job had received immediate wage garnishment from my checks, before i even received the summons. The summons that was sent to me said I had 45 days to answer, so why was my payment already garnished before even trying to communicate with me ( which they never do ). I have never dealt with any company who is extremely rude, and doesnt want peoples money that they are trying to collect on. This wage garnishment has completely stressed me out, I can barely pay my other bills and Im left with no money every check because of this. I dont even get paid enough as it is and have to pay rent on top of this and other things. I mailed a letter to the company, and both courthouses for the summons. I got a letter in mail from XXXX XXXX about a court date that was on XX/XX/XXXX. I had to take off of work , drive 2 hours to court and 2 back home, sit in court for 2 hours for XXXX ( attorney ) to tell me ( XXXX attitude ) to just call them and maybe or maybe not they will negotiate. He said this directly in front of the judge which was not an answer, and of course the attorney never answered my call or called me back EVER! I then followed up with an email to them describing all of this. The only response I have ever gotten back was from a XXXX or XXXX saying I dont dismiss garnishments, and that was it. Like how is this fair or professional!!! I am not the only one as there are other customers that have left reviews on this company on XXXX saying the exact thing i am saying. This will be on my credit for no reason when they were just cashing my payments and still garnished my check. But this company has never communicated with me, and just does things without talking to the customers first. Now i am struggling until this garnishment is over as them nor the courts want to do anything about this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation