Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I submitted a complaint about this under a different category, but this category is the proper category because they have already taken action against me in a debt that is not only time barred ( 20 years old ) but also I was never given proper notice of the debt and the court proceedings. The response i got back from the debt collector DID NOT address any of my issues or attempt to resolve them. It simply stated that they got a default judgement against me for a debt that again is from 20 years ago ( XX/XX/1999 original debt ) and that they tacked on interest and fees. So again here is what I would like to know is why have I never heard anything from this debt collector in 20 years? The first I hear of this debt is from my employer when they inform me of a garnishment. I have not once tried to hide from anyone I have filed my taxes, done change of addresses every time I moved, filed for credit, received credit etc. why now do they seek to obtain resolution 20 years later and garnish my check. They could have garnished my check from 3 previous employers while I was actually living in XXXX. Why wait till I have moved out of XXXX? 

Below is my original complaint I was checking my pay stub and noticed that it was much different than usual meaning it was short {$460.00}, the same day I received a letter in the mail from my HR department ( Not from a collection agency or any other source outside my employer ) stating that they hard a court order to garnish my check for 25 % of my earnings for 30 pay periods. There was no warning or notification that this was going to happen prior to this. I did not receive any attempts to collect a dept or any kind. When further investigating this debt I noticed it was from a debt that was over 20 years ago and the original debt was for {$6700.00}. At that time I was never notified that I had this debt and there were no attempts to collect this debt over the next 20 years. I have made several times over the 20 years but I constantly updated my address with the US Postal Service along with updated drives licence and obtained credit at each address so there was not chance that they could not locate me and send me notification or attempt to collect this debt I also had the same telephone number for the past 12 years. Also I filed federal and state income taxes for those years and that had my address on them so there was no reason they can say I was not reachable.. The interest and fees on the original amount is obscene as they made no attempt to collect the original debt. I am not saying I do not need to pay the original amount but I should not have to pay the interest and fees. I am willing to pay the original amount a rate that is reasonable to continue to live in my current location which is XXXX XXXX XXXX. which is one of highest cost living areas in the united states if not the highest.

Company response to consumer: Closed with explanation