Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDICO. INC
State: SD

Complaint narrative:
In Regard to Credit Collections Bureau XXXX. XXXX XXXX XXXX XXXX, XXXX  When I returned to work on XX/XX/XXXX, I was informed by a coworker that a woman named XXXX XXXX ( Credit Collections Bureau ) had called about garnishing my wages. She told my coworker that the information would need to be passed on to our boss and accountant. I was shocked and confused I had never received any notice about a garnishment, a judgment, or even a bill related to this. 

Later that same day, at XXXX XXXX, I called XXXX XXXX back. ( XXXX ) XXXX I told her I had never received a letter or any kind of contact about this debt or garnishment. I explained that I was never given the chance to set up a payment plan or respond to anything. She told me they already had a judgment and that it was too late to make payments. She gave me the judgment number : XXXX. 

After getting off the phone, I went straight to the courthouse to find out what was going on. That was the first time I saw the paperwork. According to the file, I was supposedly served on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX my mothers address at that time. However, I was not living there, and my mother was hospitalized in a mental facility that summer. After she was discharged, she sold her home and moved across the state. 

As you can see on the server notice Ive attached, it appears the documents were most likely just left at the residence. Thats very concerning because my mother was not home and I was not living there either. I dont believe I was properly served. I take these things seriously, and I would have shown up to court if I had been. Being served isnt something you forget and I never received anything at all! 

I was living at XXXX XXXX XXXX, XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Ive attached documents showing rent lot payments that were emailed to me, as well as my XXXX tax return that lists my correct address. 

I also have major concerns about the amount of the debt. The judgment I got a copy of at the courthouse shows a balance of {$650.00}. But on the phone, XXXX XXXX told me the total was now over {$12000.00}. I was never notified about this increase, nor was I given any breakdown or chance to dispute the amount. 

XXXX told me their company doesnt leave voicemails and doesnt send letters. I dont understand how I could have possibly known about any of this if thats true. That doesnt seem legal or fair. 

If I had known about this, I would have set up a payment plan or worked something out right away. Ive never tried to avoid paying a bill I just truly had no idea this even existed. I would really like the opportunity to resolve this now, as I was never properly notified and never given a fair chance to do so. 

I am also asking the Court to consider the following serious concerns : Is it legal for a collection agency to claim they dont leave voicemails or send letters yet still pursue wage garnishment? 

How can a debt grow from {$650.00} to {$12000.00} without any explanation or notice? 

If I was never served properly, how could a default judgment be entered at all? 

Doesnt the law require proper notice and communication before garnishment begins? 

These are questions Im left with, and I believe they are important for the Court to review. Ive also seen many public complaints about this same collection agency from others who describe almost the exact same experience. Ive attached those reviews as well. It feels like a pattern of targeting people who dont know their rights or how to fight back. 

I did submit this letter to the judge today for review as I am just now being aware of this situation. I do need some legal advice or if the judge reviews this if I am able to move forward with a lawsuit on this company. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation