Consumer complaint received 2026-05-12 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: Collection at Law, Inc. A.P.C.
State: CA

Complaint narrative:
Collection At Law, a debt collection agency which seems to purport itself mainly as a law firm ( it has employed lawyers ) has submitted false service representations, false declarations, is engaging in abusive litigation conduct, is attempting to collect a balance not owed to XXXX XXXX XXXX XXXX. and is committing fraud upon the court in connection with a debt collection lawsuit filed against me. This debt collection agency is in violation of the California Rosenthal Act and the Fair Debt Collection Practices due to its deceptive practices. Collection At Law, in connection with debt collection activity, filed or relied upon a proof of service claiming that I was personally served at approximately XXXXXXXX XXXX on XX/XX/year>. That declaration is false. I possess documentary evidence ( see attached Lyft pickup and drop off times from the XXXX XXXX to my home and see my boarding pass ) establishing that I was not home at the alleged time of service. My boarding pass and travel records establish that I did not return home until approximately XXXXXXXX XXXX on XX/XX/year> after returning from the airport. When I arrived home, I discovered crumpled papers stuck in my door. No one personally served me. No one completed lawful substitute service. No one served another competent adult at my residence. The documents were simply left at my door while I was absent and I am reviewing detail to establish when these documents were actually left stuck in my door handle. Despite this, a declaration was executed claiming service occurred. A proof of service submitted under penalty of perjury that contains materially false statements is an extremely serious matter. The submission and use of false service representations in active litigation constitutes fraud upon the court because it interferes with the integrity of the judicial process and attempts to create jurisdiction through false factual representations, which seems to be a business practice of Collection At Law. I filed an answer only because I later discovered the papers at my door after returning home. I now recognize that this may have been a tactic by Collection At Law to coerce me into a general appearance due to my response. However, in my answer, I expressly stated that I was not home at the alleged time of service. Between Collection At Law having made false sworn representations on its behalf, deceptive debt collection litigation tactics, abuse of judicial process, misuse of service procedures and unfair collection conduct " I am prepared to claim actions under the Fair Debt Collection Practices Act and the Rosenthal Act. The use of a false proof of service to advance litigation creates substantial due process concerns and undermines public trust in the court system. I am collecting possible footage from my subdivision and any neighbors ' cameras for the alleged date and time of service. Collection At Law failed in its duty to properly verify the alleged obligation as accurate. Had they done so, they wouldn't have filed a suit against me -- especially listing XXXX XXXX XXXX XXXX. as the plaintiff due a balance of {$11000.00} which is false. The Proof of Service ( See attached ) submitted to the court by Collection At Law on behalf of XXXX XXXX XXXX XXXX. is an intentional and deliberate misrepresentation by Collection At Law. It seems that Collection At Law merely used the date of my return from my Answer to create a false proof of service. This is not a clerical error on their part by any means ; rather, it's how Collection At Law does business based on several other complaints which are publicly available. This action Constitutes fraud upon the court, has caused this litigation process to be corrupted, and false service. I will file a complaint with the BAR against XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX. ( XXXX ), XXXX XXXX XXXX, XXXX ( XXXX ) for their involvement in this, as well as any other attorneys I discover who are responsible for attempting to collect a balance of {$11000.00}. I have gotten physically ill and I've gone to my doctor as a result of this. I've suffered anxiety, a loss of sleep, loss of income ( due to not feeling well enough to go to work ) and a loss of enjoyment of my hobbies. It's a shock to my mind that these people can sleep at night while I'm awake throughout the night worried about this. This has played on a loop in my mind daily for months now. Collection At Law is to send me the full chain of custody of title with dates of this alleged obligation and its interest in any alleged obligation AND account transfer and assignments within 15 days of this complaint.

Company response to consumer: Closed with explanation