Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Firm of Krisor & Associates
State: IN

Complaint narrative:
I am filing this complaint because XX/XX/year> I received notice of a garnishment is going to take place. ( have proof ) * * CFPB WRITTEN STATEMENT WITH HOTEL STAYS INCLUDED * * I am filing this complaint because the actions of my former landlord, property XXXX, and their debt collector have caused * * severe, ongoing harm * * to my family including homelessness, forced hotel stays, family separation, credit destruction, wage garnishment, and trauma to my children, including a newborn. We came to Indiana as * * XXXX XXXX survivors * *, hoping to rebuild our lives. Instead, we were met with a system that failed us at every level. XXXX XXXX XXXX XXXX XXXX XXXX. The landlord accepted federal XXXX funds then pretended they didnt * * My landlord accepted * * XXXX XXXX rental assistance * *, which was supposed to cover the rent they claimed I owed. Instead of applying the funds : - They * * did not credit my account * * - They * * added charges not allowed under XXXX * * - They * * submitted false arrears * * - They * * filed eviction during the protected period * * - They * * never notified XXXX * *, which is required This created a * * false debt * * that never should have existed. -- - # * * XXXX. The wrongful eviction forced my family into hotels for months * * Because the landlord filed eviction illegally during federal assistance and because the court sent notices to the wrong address we were evicted without warning. We had * * nowhere to go * *. South Bends shelter system separates families by gender, meaning : - My wife and children were placed in XXXX area - I was forced into a mens shelter or left without placement This meant we could not stay together as a family. # # # So we had no choice but to live in hotels. These hotel stays lasted * * weeks and months * *, draining every dollar we had. We were paying : - nightly hotel rates - food costs without a kitchen - transportation - storage fees - childcare instability - replacement of belongings The hotel stays were not a luxury they were the * * only way to keep my family safe * * after a wrongful eviction based on false information. XXXX XXXX XXXX XXXX XXXX XXXX. The hotel stays harmed my children including a newborn * * This is the part that hurts the most. My children lived through : # # # * * A. Homelessness during early development * * My newborn spent her earliest days in a hotel room instead of a stable home. My toddler lost routine, safety, and stability. # # # * * B. Forced separation from their father * * Because shelters separated us, my newborn and toddler spent nights without me. This disrupted bonding, attachment, and emotional security. # # # * * XXXX Exposure to adult stress * * They saw their parents crying, stressed, and overwhelmed. They lived out of bags. They slept in XXXX room. They had no space to play, learn, or grow. # # # * * XXXX XXXX disruption * * Research shows homelessness harms : - brain development - emotional regulation - sleep - learning - attachment My children lived this reality. No newborn should ever experience homelessness. No toddler should ever be separated from their father because of * * false debt reporting * *. XX/XX/XXXXXXXX. The debt collector used false numbers to attack us financially * * XXXX XXXX XXXX sent me * * multiple letters with different balances * * : - XXXX said * * {$2600.00} * * - Another said * * {$5400.00} * * These numbers were fabricated. They did not match the ledger, the court filings, or each other. The collector : - Continued collection without validating the debt - Reported false information to credit bureaus - Initiated wage garnishment based on false data - Ignored my disputes- Used intimidation and misleading statements This is * * abusive * *, * * deceptive * *, and * * illegal * *. XXXX XXXX XXXX XXXX XXXX XXXX. The false reporting destroyed our credit and kept us in hotels even longer * * Because of the false eviction and false debt : - We were denied housing repeatedly- We could not qualify for apartments- We were forced to stay in hotels - Our costs skyrocketed - Our savings were wiped out The hotel stays were not temporary they were * * prolonged by the false reporting * *. XXXX XXXX XXXX XXXX XXXX XXXX. Wage garnishment based on false information made everything worse * * A garnishment was issued based on : - incorrect balances - a judgment I was never notified of - a ledger containing fabricated charges - debt that was never validated This reduced my income and made it impossible to secure housing. The garnishment kept us in hotels longer because we could not save for : - deposits - first months rent - application fees This is ongoing harm. XXXX XXXX XXXX XXXX XXXX XXXX. Is this how XXXX XXXX treats disaster survivors? * * We came here after losing everything in XXXX XXXX. We expected compassion. We expected fairness. We expected a chance to rebuild. Instead, we were : - Evicted illegally - Forced into homelessness - Forced into hotels- Separated as a family - Targeted with false debt - Garnished without due process - Reported inaccurately to credit bureaus - Denied housing repeatedly This is not how a city should treat * * any * * family especially XXXX fleeing a natural disaster. XXXX XXXX XXXX XXXX XXXX XXXX. This is a systemic problem and it must be addressed now * * This is not XXXX mistake. This is a * * system-wide failure * * involving : - landlord misconduct - debt collector abuse - credit reporting violations - shelter discrimination - lack of disasterrelated accommodations - court procedural failures - housing discrimination This system harmed : - a father - a mother - a toddler - a newborn This is why accountability is necessary. XXXX XXXX XXXX XXXX XXXX XXXX. What I am asking the CFPB to do * * I request that the CFPB : # # # Investigate the landlord and collector # # # Require correction of all inaccurate credit reporting # # # Require the collector to stop all collection activity # # # Review and reverse the garnishment # # # Require restitution for : - credit damage - emotional distress - hotel costs - housing instability - lost wages - trauma to my children # # # Hold these entities accountable For the harm done to my family. XXXX XXXX XXXX XXXX XXXX XXXX. Closing XXXX * * My family survived a hurricane, only to be destroyed again by a system that should have protected us. My newborn deserved safety. My toddler deserved stability. My wife deserved support. And I deserved the chance to keep my family together. Instead, we lived in hotels because of a false debt. We were separated in shelters because of systemic failures. We were denied housing because of false reporting. We were financially crippled by a garnishment based on lies. I am asking the CFPB to help us correct this injustice and ensure no other family especially XXXX fleeing a disaster is ever treated this way again. * * XXXX * * XXXX, Indiana

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