Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
My wife and I were Co-defendants in a civil debt collection case in XXXX. ( I was sick and in and out of the XXXX  with XXXX XXXX XXXX XXXX  during this time. ) From the XXXX district court of XXXX XXXX Michigan. We were never notified of the court date to appear, and thus rendered a default judgement against us. When contacted by XXXX, They said " we can setup payment arrangements and they'll take care of everything with the court. '' They then over the course of 2 months, collected money from my wife per the agreement/form we filed. I then received a notice in the mail from Michigan Secretary of State in XXXX stating : If I didn't have a satisfaction or agreement to pay, that my license would then be suspended from XX/XX/XXXX onward. I panicked and called Velo, to which they then proceeded to tell me the payment plan was ONLY for my wife and not me ( Even though it's full of my personal information and signature. I was the one who filled out the form and we both signed with both of our names. Then I got upset and tried to ask questions about the amount, how much was left on our account balance, all typical questions related to the debt. The woman then told me she wasn't allowed to discuss anything about the case at all. I stated, even though I am a co-defendant and am RIGHTFULLY and legally allowed to know about the information regarding a case against me. The woman said she " told me all she was allowed to say '' and to which I said, we'll pay it off entirely before the end of XXXX, and if they can expedite the satisfaction of judgement. They then proceeded scoff at me and proceeded to hang up on me. I filed a motion with the courts asking for expedition of satisfaction, to which I notified Velo of. They then proceeded to wait 32 days before filing that satisfaction. Directly causing my license to get suspended. Not only did they DELAY satisfaction, they straight up lied to the court about when we paid the debt fully. They lied that they don't E-File and that they only mail. When on the courts website it CLEARLY states in bold letters, they are mandated in all civil cases to E-file. I have receipts of all payments. On Velo 's own receipt and website, it states that " All payments will be applied the following business day. '' They waited a full 10 days to accept a payment of XXXX dollars. They blamed me ( XXXX ) for the delays for being " Irate '' as they read off the excuses and calls I had with them back to my wife. ( Which I thought they weren't allowed to discuss any matters of the case with anyone but the defendant? ) We made full payment on XX/XX/year>XXXX  and a full 32 days later, on XX/XX/XXXX they filed satisfaction which stated we paid later than proven with receipts. I filed a motion on XX/XX/XXXX, for the court to hear and according to the clerk, the filing of the satisfaction of judgement, caused this motion to be canceled without reason or me being notified either. This has caused me, as a XXXX person, to not have valid ID or driving credentials, The ability to go to Doctors appointments, Liens imposed on my property, damage to my credit, and fines as a result of my license suspension. They have broken Michigan State and Federal laws and statutes regarding fair debt collection. Pursuant to MCL - Section 445.252 and under the FDCPA 807 False or misleading representations and 808. Unfair practices. I'm seeking an investigation and sanctions against this company for the previous statements. If needed I will include all documents, including court proceedings, litigated outcomes, motions filed, and any other evidence required. I give my express permission for the AG 's office to use any information gathered. I humbly asked the AG look into this matter for me. If anything is required, You may ask me. The XXXX XXXX XXXX has all evidence regarding this matter as well. As a side note, I was never involved in the initial incident or even on scene. My now wife was the responsible party. But, she was driving my car. This matter was already settled as this debt collection is a result of an insurance company attempting to collect reimbursement. I will also supply any other information as needed. Again the courts have all records of receipts on file as well.

Company response to consumer: Closed with explanation