Consumer complaint received 2023-11-03 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: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I have a complaint against XXXX, XXXX XXXX XXXX XXXX - XXXX for XXXX. LLC. 
They are a XXXX party Debt Collector whom BOUGHT a bad debt that I had, and not proud of. 
I worked traveling to many jobsites continuously for 10 years, and did not receive my mail in a timely manner, Therefore, any court documents I had received and not able to get were entered as a default judgement. 
In 2008 they had garnished my wages from a previous employer. The original Debt was for an unsecured credit card. After making many payments, I was laid off. I had called to discuss the remaining balance they claimed I owed. They would not accept a payment plan, and told me to file for bankruptcy. In my opinion they would rather take nothing than try to work something out. 
The original Debt was {$15000.00} with added contractual interest of {$11000.00} were stated on their court documents, ( which last week I went to the courthouse to see, and copy ) Dated XX/XX/2008. 
On a request for Writ I obtained from the courts, the new amounts on XXXX were for a judgement of {$27000.00} ( Judgement interest {$12000.00}, Post Judgment costs of XXXX  XXXX PAYMENTS MADE {$21000.00} and an unsatisfied amount of {$19000.00} ). 
Then new amount dated XXXX ( Judgement XXXXInterest XXXX  XXXX Judgement cost XXXX  XXXXPAYMENTS and CREDITS {$23000.00}, Unsatisfied Amount {$17000.00}. Again as stated above, after I was laid off, they were not willing to accept any payment plans. 
In the latest writ for Garnishment dated XXXX, which I obtained only from my Bank after they Siezed everything I had ( {$8000.00} ). On the Garnishee disclosure they stated they mailed or personally delivered a copy of this disclosure to me. Which THEY DID NOT, it was not mailed or personally delivered. 
They have also placed a lien on my home. 
In the past week on XXXX someone working for them or hired drove by my place of work taking pictures of my vehicle. Which I am sure they are going to try and seize as well. 
On XXXX I filed an objection motion with the XXXX XXXX XXXX XXXX scheduled for XXXX. 
And then again on XXXX myself and a co-worker witnessed a man pull up in front of our workplace, he sat in his vehicle on the out lawn for approx. XXXX minutes, he exited his vehicle and walked onto company property and approached a vendor whom was emptying the trash dumpster. I am waiting to hear back from him to inquire what he was discussing, or divulging to him. I feel they are aggressively harassing me now. 
On XXXX after my account was seized, I contacted RVO Law Firm and spoke with a XXXX XXXX. I asked him for validation of this account, and at that time he told me it was so old that he probably could not get me the information. I again called on XXXX and I inquired again. He told me I would have to get that from the courthouse documents. He was very rude, and had originally stated in our first conversation that they would continue to seize my accounts. 
On XXXX I sent a certified letter requesting validation of the Original creditor, All documents relating to the account, the dates of payments made, how much they purchased the debt for and any and all documents associated with it. 
I have also filed a complaint with the MI Attorney General. 
I believe that they have exceeded the statute of limitations, and they keep taking a minimal MI State Tax return to keep this case ongoing. I feel my obligations have been fullfilled and have overpaid on this debt. They continue adding interest, which is what most of this is and has basically tripled the amount of the original debt.

I am praying to the good Lord above that something can be done about this and their actions before they try and take anything I have left. 
If you are not able to help, could you be able to refer me to someone that can. I actually tried calling about bankruptcy, but I am completely financially devasted now that they took my bank account. 
I respectfully appreciate your time in reading this, and I am hoping that somehow, I can get all of my seized funds returned and have them drop this case and all future collection attempts. Again, I feel they have been paid in full and overpaid at that. 




Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation