Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
Good day your honor and court, I am contacting you now as I got this in the mail at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have been overwhelmed with work and my heath issues. I am pleading to the court and your honor for a XXXX  day extension. I have spoken to the company in XXXX which not RAS LaVrar LLC, and I did send them a request for documentation as I did not sign any contracts with them. The credit card company by this time should have collected the money from the insurance company as I imagine all creditor have insurance for all their accounts. It seems they are coming for all my accounts and property from the forms I was sent. 

I also, want to bring the most important issue here as any dept that was incurred is covered from the date I started by XXXX to XXXX XX/XX/XXXX under the XXXX XXXXXXXX XXXX XXXX  XXXX, now XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I told that attorney I was unemployed after my return from XXXX XXXX. I got a job till XX/XX/XXXX. I did not have money to pay for anything else but for the necessities. I believe am covered under the XXXX and XXXXXXXX XXXX XXXX XXXXXXXX and XXXX and XXXX XXXX. The other collection company took me to court about XX/XX/XXXX. I was in the negative still trying to get back on my feet after almost XXXX  years of un-employment. I did not get any legal assistance to help me deal with the case at that court hearing. I was told to shut up. I feel I was forced to sign that documents by the previous company stating they could come after me for the next XXXX  years. I do not know how legal is that and was back them. 

XXXX ) Below is my email to the XXXX XXXX XXXX XXXX reporting this Violation. 
XXXX ) I believe this is the reason the withdrew this case back in XX/XX/XXXX XXXX XXXX of XXXX. 
XXXX ) IN XXXX XXXX COURT FOR THE XXXXXXXX XXXX XXXX  IN AND FOR XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX was filed XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX attorneys for XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX or XXXX, XXXX From : XXXX XXXXXXXX XXXX Sent XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX To : XXXXXXXX XXXX XXXX Subject : violation of XXXX and XXXX XXXX  I need help please I service connected XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please give this number when you call or include this case number when you contact them RAS la Vrar LLC. 
I'm writing this letter to let you know that XXXX summoned me to court I think it was back in XXXX or XXXX. I was not allowed to defend myself the judge told me just to sign the agreement for payment. I tried to explain to the attorney representing XXXX the situation that I was going through since my return from XXXX. I was unemployed for almost XXXX  years it was not a fault of my own I never thought that I was going to be unemployed for so long, and now the law firm that was representing XXXX in XXXX sold or were bought button up by another law firm. 

XXXX XXXX  named XXXXXXXX XXXX XXXX  XXXX attorneys for XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX or XXXX, XXXX They're going to garnish my bank accounts or salary which is a violation of the XXXX XXXX.I have gone thru many problems, I had to leave the place where I lived and lost all the paper work about this case. I want to request the credit card statements from XXXX until the card was closed. 

I had a balance on this account prior to my XXXX to XXXX in XXXX, and I did send a copy of my orders of XXXX to XXXX. So, that they could reduce my monthly interest from 30 % to 6 %. However, when I return from XXXX my statement still showed that I was being charged 30 % and I paid off the balance because I did not want any problems unfortunately they did not lower the percentage they were charging me from 30 % to 6 % all the time that I was XXXX in XXXX. 

I want to add that when I return from XXXX I applied for unemployment benefits I received some payments, but unemployment benefits were taken from me by the state of XXXX. Their claim was because I was applying for jobs on the internet that was not job searching. I immediately sought help from the state representative at that time was XXXX XXXX he was no help. However, I found the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 

They were able to help me after several months of my unemployment benefits that were not paid to me even after I won the case, and still the XXXX of XXXX  did not want to pay my unemployment benefits. I only got XXXX check after the ruling on my favor. I got only XXXX check for {$500.00}. 

President Obama signed an extension of unemployment benefits I went ahead and applied for unemployment benefits extension, and the web site told me that I did not qualify for unemployment Benefits. I had no income to pay or do anything extra all I had was my {$360.00} dollars a month for my XXXXXXXX XXXX  weekends. All this time that I was unemployed I attended school. I enrolled in an XXXX XXXX XXXX XXXX, so that I could apply for an IT job. I now work for the IRS and started to work in XX/XX/XXXX. I had not had a job since I returned from XXXX in XX/XX/XXXX. 

I will send a copy of my XXXX that shows I was XXXX to XXXX, and I was on XXXX XXXX orders till XX/XX/XXXX. 

I want to add that I was very fortunate that my family allowed me to stay with them. They gave me food and a place to stay because I have no income to do anything else, but to survive and hopefully get a job. I did eventually got a job, but it was after almost 3 years of searching so I had nothing. unfortunately after almost a couple of months after I started to work. I had a car accident which was provoked by someone else I have no intention of having a car accident, and then I had XXXX more car accidents in less than a year for a total of XXXX. This obviously set me back financially because I have to buy another car my car insurance went really high in price. In addition, almost no insurance company wanted to issue me a policy my financial situation has been very very difficult in the last 10 years after I return from XXXX. Now XXXX XXXX XXXXXXXX, XXXX attorneys law firm wants to garnish my income. I only earn enough to pay my bills I do not have anything extra also I want to include that I I am a XXXX veteran seeking help to fight the situation. I have been applying for other jobs that pay more, and I have sought higher education I have enrolled myself in mentoring programs learning programs to increase my chances of getting a better-paying job. However, I have not been successful I do not know what else can I do please help me. 

I have another situation at work, I have been falsely accused at work that I said I was going to buy a XXXX  XXXX, and that I was going to come work and XXXX  people at work. Furthermore, I allegedly said this in XXXX. This is not true. I want to know if the XXXX  can start an investigation to find out who made this false allegation against me, and I do not know what criminal charged can apply to a case like this. 
I filed a complaint against XXXX people here at work XXXX XXXX and XXXX XXXX, XXXX. I contactedCongressman XXXX XXXX. I have turned in documents to his office about this case, but unfortunately, he is going out office. 

I am waiting and hoping that the newCongresswoman representing XXXX XXXX, XXXX XXXX XXXX XXXX with this situation that I'm going through at work with a former roommate who works in the same office as me. She has made this a very hostile environment at work for me. 

Please help me the violation of the XXXX XXXX XXXX, I cant afford to have income garnished. I am my sole provider, and I do not have any one in world to provide for me. 

Sincerely yours XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation