Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
On XX/XX/year>, my wife and I attended court being sued by NCB Management Services INC for I car I purchased using financing through XXXX XXXX  for {$3800.00}. When I spoke to the attorney that I assumed represented the court, I informed the court that the car was repossessed due to illness. My family recently found out through XXXX XXXX that most of us XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To back up my statement, one of the 3 XXXX I see said in his entire 20 year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My condition was serious enough that after my XXXX XXXX XXXX piece of medical equipment was rushed into my body as soon as that doctor could get the OK, a device that is not a guarantee of survival but it is the best safety device I could have in case I collapse. Not to long after, another device was also inserted into my body to help keep me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result of all of this, I was granted XXXX on my first try and am still on XXXX today. I tried to be as vague as possible so these details do not violate the instructions of not sharing to much on the complaint but I feel this information is necessary to defend myself against the harassment of NCB. I also need to add that my wife ( the co-signer on the loan ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Now the day I talked to an officer of the court when I appeared on my court date, after explaining the issue, I was told that because of the circumstances, me and my wife were being counted as present, no judgement was given that day. The officer of the court also stated that there are means that collectors can implement in cases like mine that allow them to write off the debt. That was all that was done that day. 

NCB Management Services INC has since decided to harass me with the courts because I received a new summons to attend court on XX/XX/year> to garnish my wages from a company I have not worked for before I got XXXX, it was not even the last company I worked for before getting XXXX My wife called their lawyer about this and all their legal counsel told me wife is that it is up to the company to prove I don't work there and to not worry about the court date, yet after checking the court system today, XX/XX/XXXX XXXX XXXX, the case is still pending, and since I was told my wife and I would be marked present, I never received a chance to plead my case before a judge. I was never informed a judgement was awarded and since that is the case in this issue, I believe NCB Management Services INC is purposely keeping legal things like this judgement from me and my wife, how can I trust their counsel who told us not to worry about the court date and some time later, the case is still pending, and my wife talked to their counsel the same day I got the warrant. 

I also truly believe NCB Management Services INC is acting maliciously since not only did I inform the court of my XXXX and my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but XXXX was also informed of my illness on multiple occasions, the response my wife received was that XXXX was not willing to work with me because of illness, even though this also occurred when XXXX hit and there were no vaccines available. I believe NCB is purposely acting maliciously because not only waa the court informed of my illness, but so was XXXX and NCB bought this debt from XXXX so I truly believe NCB knows of my XXXX and illness, but they are purposely trying to harass me by taking whatever time I have left by making these cases involving companies I do not work for. If NCB truly knew none of this, then maybe they should not be doing business with XXXX or the legal office they work with since I know XXXX and the court knows of my illness. They have also yet to indicate they are willing to write off the debt, an option the officer of the court said they have since this involves a XXXX XXXX

Company response to consumer: Closed with explanation