Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Office of Alan Pritchard, PLLC
State: TN

Complaint narrative:
addition. 



REBUTTAL TO CFPB RESPONSE REGARDING COMPLAINT AGAINST XXXX XXXXXXXX XXXX XXXX XXXX XXXX Complainant Name : XXXX XXXX I. VIOLATION OF FDCPA AND CONSUMER RIGHTS 1. Failure to Provide Required Debt Validation Under FDCPA ( 15 U.S.C. 1692g ) : Despite multiple requests for validation of the alleged {$61000.00} debt, the only documents provided were a ledger and a lease agreement. Under FDCPA, proper validation includes : The name of the original creditor ; A breakdown of the debt with itemized charges ; Proof the debt is owed by me ; Proof the third-party had legal right to collect. 
I never received such validation prior to the posting of the warrant detainer, and I was not informed of my 30-day dispute window, which should have been clearly disclosed under FDCPA. There was no pre-collection notice, no itemized debt explanation, and no disclosure of consumer rights.

2. No Written Notice Prior to Warrant Detainer ( Violation of Basic Due Process ) : The lease clause that waives written notice does not absolve the attorney or landlord from their duty to act in good faith or comply with federal consumer protection law.

3. Aggressive, Abusive Collection Conduct : XXXX XXXX demeanor, both in and out of court, was hostile, dismissive, and discriminatory. I was ignored, silenced in court, and blocked from direct communication. I was told, It doesnt matter that you filed bankruptcy a clear violation of 11 U.S. Code 362 ( Automatic Stay ). 



II. VIOLATION OF BANKRUPTCY PROTECTIONS 1. Ongoing Proceedings Despite Automatic Stay ( 11 U.S.C. 362 ) : I notified XXXXXXXX XXXX XXXX XXXX XXXXXXXX before court on XX/XX/XXXXXXXX  that I had filed XXXX  XXXX bankruptcy. I provided proof via email to XXXX XXXX and by phone with XXXX. I was told my account was marked with bankruptcy status, and legal action would stop. Yet : I was taken to court on XX/XX/XXXX, XX/XX/XXXX, and again in XXXX despite the automatic stay. 
XXXX office never ceased aggressive collection or validated the debt. 
The case was not immediately withdrawn or dismissed upon notice of bankruptcy. 

2. Wrong Jurisdiction Claim Is Not a Legal Defense for Violating the Stay : XXXX XXXX argument that my filing in the XXXX XXXX XXXX Arkansas invalidates the stay is incorrect. Under federal law, the stay is effective upon filing regardless of jurisdictional dispute, and motions to challenge venue must be filed with the bankruptcy court. 



III. WAIVER OR FORFEITURE OF RIGHT TO EVICT ( TENNESSEE LANDLORD-TENANT LAW ) 1. Delayed Filing Voids Immediate Eviction Right Claimed in Lease Under Tennessee Code Annotated ( T.C.A. ) XXXX, landlords may initiate eviction for nonpayment ; however, the right to enforce forfeiture must be exercised timely. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX waited over two yearsfrom the alleged nonpayment beginning in XXXX  to the Warrant Detainer filed in XX/XX/XXXX. 
This extended delay waives their right to rely on the immediate eviction clause in paragraph 8 of the lease, especially as no timely notices or legal actions were filed.

Tennessee courts recognize a landlord waives the right of forfeiture if they delay unreasonably, accept rent, or act inconsistently with enforcement ( see XXXXXXXX XXXX XXXX  XXXX XXXX XXXX. XXXX ). 
Additionally, XXXX. XXXX ( b ) prohibits retaliatory or unreasonable eviction filings. This action appears strategic, abusive, and not made in good faith. 
I also allege bias and discriminatory conduct by the attorney and landlord, contributing to unfair treatment during proceedings. 

2. Month-to-Month Tenancy Status at Time of Filing As XXXX XXXX, I was no longer under a fixed-term lease ; the original term had expired and tenancy continued on a month-to-month basis under : T.C.A. 66-28-512 ( c ) : If the tenant remains in possession without the landlords consent after expiration of the lease, a month-to-month tenancy is created unless otherwise agreed. 
As a month-to-month tenant, I was entitled to : Proper written notice to terminate tenancy, per T.C.A. 66-28-512 ( a ) ( 30 days notice ) ; Fair housing treatment and opportunity to cure or vacate based on updated rental obligations.

No written 30-day notice was served prior to the detainer filing, violating Tennessees notice requirements for termination of month-to-month tenancy.

IV. OTHER ISSUES AND POSSIBLE VIOLATIONS 1. Rental Assistance Not Applied Correctly or Fully : Funds received by XXXX XXXX from rental assistance programs ( including COVID-era grants ) do not appear fully on my ledger and may have been misapplied or double-counted using multiple company namespotentially fraudulent. 
2. {$8000.00} Deposit Not Accounted For : I have received no accounting or return of my security deposit, which violates T.C.A. 66-28-301 requiring timely and transparent deposit handling.

3. No Proof of Ownership Provided : I have not been given official ownership verification of the home. The names on the warrant detainer, affidavit, and lease documents conflict. I do not know who holds the claim against me, violating disclosure rights.

4. Plumbing and Housing Code Violations Ignored : The property has plumbing issues violating habitability standards. Maintenance requests were ignored or unaddressed, violating T.C.A. 66-28-304.

V. DISCRIMINATORY, ABUSIVE, AND UNETHICAL CONDUCT I was treated with disrespect, silenced, and subjected to hostility during court and communications.

Denied basic information, including dispute rights and full ledger explanations. 
Targeted unfairly, with indications of abusive conduct toward tenants, particularly minorities, by this law firm and affiliates. 



SUMMARY OF LEGAL VIOLATIONS Fair Debt Collection Practices Act ( 15 U.S.C. 1692g & 1692e ) Bankruptcy Code Automatic Stay ( 11 U.S.C. 362 ) Tennessee Uniform Residential Landlord and Tenant Act Due Process Clause 14th Amendment ( lack of notice and opportunity to dispute ) Failure to Account for Rental Assistance and Deposit ( T.C.A. 66-28-301, 66-28-304 ) REQUEST FOR ACTION I respectfully request : 1. This CFPB complaint be reopened and investigated further.

2. Accountability for the attorney and property management firm for : Ignoring bankruptcy filings; Failing to validate debt ; Engaging in deceptive and aggressive conduct ; Failing to return security deposit ; Violating FDCPA and state landlord-tenant law.

3. A full debt audit, deposit accounting, and documentation of rental assistance funds received and applied be provided.

I am willing to submit additional documents or records upon request.

Company response to consumer: Closed with explanation