Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX I discovered that a {$1300.00} was garnish from my paycheck without prior notice. When I contacted my employer department, they informed me that the garnishment was initiated by XXXX XXXX XXXX, XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX. 
This was the first time I was made aware of any debt or legal action against me. I never received any court summons, written notice, or debt verification before my wages were taken. 
Actions taken : 1. On XX/XX/XXXXXXXX XXXX, contacted my employer 's payroll department and was informed that the garnishment was issued by XXXX XXXX XXXX, XXXX XXXX. 
2. XX/XX/XXXX, XXXX, called XXXX XXXX XXXX, XXXX XXXX and spoke with a debt collector named XXXX XXXX. He stated that my debt information was obtained from another debt collector, XXXX XXXX XXXX XXXX. However, I was never contacted by XXXX XXXX XXXX XXXX and had no prior knowledge of this debt. 
3. XX/XX/XXXX XXXX I sent an email disputing the debt to XXXX XXXX XXXX, XXXX XXXX, as instructed by XXXX XXXX, but I have not garnishment received a response. 
4. XX/XX/XXXX, - Contacted the XXXX and XXXX XXXX XXXX and was informed that the judgement dates back to XXXX. However, I was never served or notified about this case at the time. 
5. XX/XX/XXXX, Filled XXXX and XXXX forms with the court to challenge the garnishment on the basis of financial hardship and lack of proper notice. 

Why this is a violation of my rights 1. Failure to notify me before Garnishment.

2. I was never served or given proper notice of the debt or lawsuit in XXXX. 
3. Under California Code of Civil Procedure ( CCP ) 699.520 & CCP 700.010, I was required to receive proper legal notice before enforcement actions like garnishment could proceed.

4. Unfair debt Collection Practices ( FDCPA XXXX XXXX XXXX - XXXX XXXX ) XXXX. I was not provided a debt validation notice before my wages were garnished. 
6. Extreme Financial Hardship ( CCP 706.051 ) The {$1300.00} garnishment has left me unable to pay my mortgage for this month ( XX/XX/XXXX ), putting my family at serious risk of homelessness. 

What I am requesting from CFPB 1. Investigate XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX for violating debt collection laws. 
2. Stop the wage garnishment immediately until this matter is fully reviewed. 
3. Require XXXX XXXX XXXX, XXXX XXXX to provide proof that I was properly served and notified before garnishment. 
4. Ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ) and California Protection Laws. 

This garnishment has put me in severe financial hardship, and I am seeking urgent intervention to prevent further damage. I appreciate the CFPB 's immediate attention to this matter. 


Thank you for your prompt attention to this matter. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation