Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott Kroner PLC
State: VA

Complaint narrative:
Subject : Systemic FDCPA Violations, Deceptive Cross-Jurisdictional Recording, Illegal Name Indexing, and Collection on Expired Judgments 1. Executive Summary of the Complaint. I am filing this formal consumer complaint against Scott | Kroner , PLC for executing deceptive, illegal, and predatory debt collection practices that violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Virginia Consumer Protection Act ( VCPA ) .Across XXXX distinct collection cases targeting my family, these entities have XXXX an illegal, assembly-line business practice. They are deliberately recording procedurally void documents to place unauthorized " clouds '' on real estate titles, executing faulty indexing under incorrect names, and attempting to enforce legally expired judgments. 2. The Statutory Debt Conversion Chain ( What Virginia Law Requires ) Under the laws and strict civil procedures of the Commonwealth of Virginia, a General District Court ( GDC ) judgment is geographically restricted and can not naturally attach to real estate in a XXXX XXXX or city. The law mandates a strict, non-negotiable statutory chain to upgrade and transfer a lower-court judgment : The Originating Judgment : A collection suit must result in a GDC judgment under Va. Code 16.1-94.The Local Abstract ( Form DC-465 ) : The GDC clerk issues an Abstract of Judgment via Form DC-465, which serves strictly as a lower-court receipt proving a judgment exists in that specific lower court. Mandatory Local Elevation : To turn this lower-court paper into a valid real estate lien, Va. Code 16.1-69.55 ( B ) ( 4 ) strictly requires the creditor to file the DC-465 into the local Circuit Court having geographic jurisdiction. Only this local filing upgrades the judgment to the status of a Circuit Court instrument. Cross-Jurisdictional Certification ( Form CC-1464 ) : If a debtor owns property in a different city or county ( a " foreign jurisdiction '' ), the local Circuit Court must issue a Form CC-1464 ( Circuit Court Abstract ). This is the only instrument statutorily authorized to cross county lines to attach to real estate in foreign jurisdictions. 3. The Collectors ' Systemic Violations and Illegal Shortcuts Scott | Kroner , PLC have bypassed this mandatory statutory pipeline to avoid court fees, evade regulatory oversight, and skip the administrative requirements of lien perfection. They have compounded this procedural shortcut with fatal indexing errors and illegal enforcement of expired judgments. A. Unauthorized Cross-Jurisdictional Recording on Form DC-465 In both active cases, these entities took raw, un-upgraded lower-court Form DC-465 abstracts and filed them directly into foreign Circuit Courts. Because these instruments were never legally upgraded through the geographic pipeline mandated by Va. Code 16.1-69.55 ( B ) ( 4 ), they carry zero cross-jurisdictional legal weight. The presence of a stamped Form DC-465 on a foreign Circuit Court registryinstead of the legally required Form CC-1464stands as public proof that these law firms skipped the law to execute an unauthorized, non-perfected filing. B. Violation of Strict Mandatory Indexing Law ( Va. Code 8.01-450 ) Investigation into these filings reveals a flagrant disregard for statutory recording standards. Scott | Kroner, PLC recorded theirs under the name XXXX XXXX XXXX. Under Va. Code 8.01-450, the clerk is required to index every judgment correctly in the judgment lien docket. By presenting conflicting middle initials and incorrect identifying data, XXXX XXXX XXXX XXXX actively caused a violation of strict mandatory indexing laws. This chaotic record-keeping creates inaccurate public records, clouds the titles of innocent parties, and prevents consumers from properly identifying and clear clearing their credit files. C. Unlawful Enforcement of Extinguished and Expired Judgments Furthermore, the underlying judgments being collected upon by both attorneys are legally expired and unenforceable. Under Virginia law, judgments face strict statutory lifespans and require formal, timely renewal actions to remain active. By recording invalid, un-upgraded abstracts on debts that have already expired past their enforceable statutory limits, both firms are actively trying to collect on legally dead balances. 4. Federal Violations and Severe Consumer Harm By exploiting busy court clerks and recording these procedurally void, incorrectly indexed, and expired documents on foreign land registries, the collectors have directly broken federal law : Misrepresenting the Character and Legal Status of Debt ( 15 U.S.C. 1692e ( 2 ) ( A ) & 1692e ( 10 ) ) : Presenting a localized, lower-court abstract under inconsistent names to a foreign county clerk falsely represents the document as a fully perfected, universally binding property lien. Attempting to enforce an expired judgment is a deceptive misrepresentation of the debt 's legal status. Unfair and Unconscionable Collection ( 15 U.S.C. 1692f ) : This shortcut allows these firms to " park '' illegal clouds on land records for pennies. They know that a title insurance agent reviewing property during a home refinance or sale will stop the transaction due to any recorded instrument, forcing consumers to pay an invalid, expired, and un-perfected lien under acute financial duress. 5. Requested Relief and Enforcement Action This is a mechanical, predatory business practice used to target consumers. I request that the CFPB investigate the systemic abstracting, docketing, and collection pipelines used by XXXX XXXX XXXX, XXXX. and Scott | Kroner, PLC.

Company response to consumer: Untimely response