Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
A judgment was entered in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX. The creditor was XXXX Tower Loan, XXXX XXXX Tower Loan of XXXX XXXX The approximate balance owed was {$5200.00}. The debt was paid satisfied in XXXX. Official court ledger states balance of XXXX dollars. In XXXX, XXXX Tower Loan, XXXX and attorney XXXX XXXX XXXX, XXXX filed a Petition to Make Judgment Executory in XXXX XXXX. They are claiming approximately {$3500.00} that is not owed. I was not served with notice of these proceedings. They filed the petition in a parish where I do not work or reside. Notice of seizure in garnishment was sent to my employers agent of service who is registered in XXXX XXXX. They forwarded the paperwork to my payroll department in XXXX, XXXX XXXX XXXX XXXX. My wages started being garnished in XXXX of XXXX and are currently still being garnished. A total of {$6300.00} have been withheld from my wages of which only {$550.00} have been refunded. {$5800.00} still outstanding but this XXXX change since they are still garnishing my wages through XXXX XXXX XXXX. An attorney was able to verify and provide me with the legal document, on XX/XX/XXXX, cancellation of judgment was filed with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. It was recorded XX/XX/XXXX. The judgment had been paid satisfied. After reviewing my case, the attorney wants to represent me with court proceedings. The judgment continued to be garnished after it was cancelled because Attorney filed Petition to Make Judgment Executory in XXXX XXXX not with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. It has a different docket number from the original judgment. Also, I was told by XXXX XXXX XXXX XXXX that the attorney had them NOT record the judgment. I would like to know if proper process was followed before garnishing my wages. I have attempted to work with the attorney XXXX XXXX XXXX, XXXX. I sent them a certified letter on XX/XX/XXXX as well. After receiving the letter the XXXX XXXX contacted me on XX/XX/XXXX advising me that it would not be best to report the matter to any agency until I speak with an attorney because I don't know how garnishment payments with interest work. He did not mention refunding me or sending a satisfaction letter to XXXX XXXX. My wages are being garnished for a debt that was previously paid and one that I had no knowledge of having. Although I don't owe the debt, the full amount was paid for the revived judgement and they continued to garnish my wages. This situation involves collection activity on a debt that had already been satisfied, misrepresentation of the amount owed, and continued garnishment after cancellation of the judgment. XXXX Tower Loan, LLC also confirmed in XX/XX/XXXX that the account was paid in full and advised me to contact their attorney, indicating they had sent communication to XXXX XXXX to have the judgment cancelled This has caused me financial hardship and severe emotional distress from trying to fix a satisfied judgment that shouldn't have been enforced.

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