Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Greenberg, Grant & Richards Inc.
State: NJ

Complaint narrative:
Greenberg , Grant & Richards had many complaints what they do is use scare tactics to sue you and investigate your assets they called my family member first before they even attempted to contact me after my family was notified I received their letter afterwards at first they thought it was for them and they got worried and then figured it was a scam as there are many scammers out there and stated they were going to investigate the assets of XXXX XXXX thats their own former business they are retired and has nothing to do with my business at all. When I wrote a letter stating I am unemployed no income plus to cease and desist from contacting my family, friends or former work that even though the FDCPA doesnt apply for businesses that they still have to follow laws of ethics and not harrass and use scare and intimidation tactics, abusive that they have nothing to do with it they called me I have the voicemails of my family member and also as soon as I sent that letter the agency called me XXXX XXXX XXXX XXXX XXXX at XXXX and he said that he is confused as to why I sent him that letter and all the other letters because it wont magically disappear and that the FDCPA wont protect me because its a commercial debt and that I see you own a property in other words threatening to seize or take a property that is a doctrine constructive trust as I did not even put a single penny to the property and we have proof it was an arrangement for a favor to temporary use my credit and then later refinance to transfer to the rightful owners and this agency is breaking laws and this is a violation of human rights period to harass such as common laws and from I seen the FTC section 5 and the UDAAP do protect small businesses especially start ups that were just learning through the process the FTC has enforced the FDCPA According to the FTC.gov the FDCPA does cover your company if a creditor is using a third party agency to collect the debt please see this article on ftc.gov website : https : //www.ftc.govXXXX. The original creditors gave me like 5 different remaining alleged balances and the collection agency had another one none of which was agreed on and we did not contract with this 3rd party agency I would of spoke to them but their aggression tactics of the back 7 days to pay this or we will seek litigation send to XXXX XXXX a check of this amount and we will also pierce the Corp veil and investigate your assets. I am currently unemployed I literally lost my job I am already stressed and moving because I cant afford it and they are putting me through mental stress and distress I broke down and cant sleep my family member also panicked and this has nothing to do with them because they mentioned investigating them. But according to Greenberg Grant & RICHARDS feel like its okay to to do so as FDCPA supposedly doesnt apply to them as they stated on my voicemail I even stated I come in peace in my letter but that I dont have the money to fulfill and satisfy this alleged debt they feel laws dont apply to them I seen on the XXXX the complaints and how they answered to people as if its okay to send PI to peoples homes or businesses and threaten them with that prior to even at least having a discussion with the person to see if they can work something out if so that it is in fact a true debt. Who will want to communicate with people who are being this abusive and aggressive off the right off the bat. So all my communication has been me faxing it over and they did receive it I have the confirmation receipt plus on my voice mail he stated he received all my letters and that they wont magically go away and yes you have a property so call me. Seriously thats not ethical or appropriate in life people experience hardships and most no fault to their own. Things like this has happened to many people but it doesnt give an agency to disregard human rights and other laws that still apply when it comes to abusive behaviour and threats.

Company response to consumer: Closed with explanation