Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C
State: KY

Complaint narrative:
My wife and i got into a debt relief program in XXXX dew to the fact im XXXX  and XXXX XXXX  our finances we just couldnt keep up with the bills, so the debt relief program we selected are highly recommended on social media platforms so we sent them all the bills we could no longer keep up with, around XXXX XXXX of XXXX we recieved a summons to go to court about a credit card we sent to the relief program we called them and they said ( the relief program ) they didnt have that debt on file, so i reached out to that debt collector and ask them to send us proff that the debt was ours they sent use paper work giving my wifes name and address, the address was wrong so i procieded to see how they got that address so i called them and told them i never lived at the addres so i looked up the address and that actual address was our relief programs address so i dont know how that was possible if that debt wasnt included in the paper work that the relief program said they didnt have so i called the debt collections and asked them and they said thats the one they recieved through the company we got the credit card from way before we decieded to get into the relief program so something is very wrong as you can see after we contacted them again and question that they dropped trying to collect, after a few days went buy we recieved a letter from the relief program we are in that they couldnt receach a agreement with another debt collector ( our program with the debt relief program is over XXXX of XXXX ) so they proposed that we sign on to pay that debt collector off in another 3 years so that would extend our relief program another 3 years i told them no we'll try to reach out to the debt collector and try to reach some kind of lessor amount and some kind of payment terms, with in a week or so we recieved a letter ( from the debt collectors ) for there terms of payment and that we had 30 days to call them to dipute it so i called with in a week and tryed to talk to them they said they couldnt talk to me because ther was a lawyor already on the list to contact for this debt so we called our relief program and told them they were still on the list to represent use about this debt so they sent a letter out to the collector and said they no longer represent use so i called back the debt collector, they said that our relief programs lawyors are still there this went on and on for weeks and almost 2 month so we mist the 30 days window to call back, finually i got to talk to someone and they said they would send me proff the credit line was actually ours they sent use back just terms of any general credit card contract nothing that proved it was my wifes so i ask them for a signed document they sent back another generic credit contract with my wifes name and address, it could of been the original not sure because it was the smallest fount possible so i called them back and ask them to send me somthing i could read, this takeing weeks to get proff, at that point i recieved proff so i tryed to call them to try again to reach some other agreement that wouldnt put a strain on our social security ( my wife will be XXXX in XX/XX/XXXX ) but no one would talk to me they kept sending me to theyre payment department not anyone i could negotiate better terms to pay it back so all along i was wondring why my debt relief program was trying to extend our contract another 3 years and why this debt collector seems to be insink on when to send me notices and repayment plans after i told the relief program we wernt going to extend our contract with them, it has been about a month or 2 since we heard anything back from the debt collector noing that ive been trying to talk to a lawyor to reach an agreement for other terms, just about 2 days ago my wife got a notice to report to court ( XXXX  XXXX XXXX at XXXX ) ), to settle this in front of a judge why, ll noing that they havnt alowed me to try to negotiate some other payment plan. something to me doesnt seem right how relief programs seem to work with debt collectors it maybe legal i dont know. Please help if you can i hope you can understand all i have written. my wife and I are so XXXX  out about this The debt colectors are : Stenger & Stenger , P.C attorneys for plaintiff The debt relief program is : XXXX XXXX XXXX

Company response to consumer: Closed with explanation