Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Glasser and Glasser , PLC has repeatedly tried to garnish my wages, but I have sent communications to their firm, with the most recent dating back to XXXX of XXXX, informing the firm that I have never received communication, written or verbal, with details on the alleged debt. I informed the firm that should they decide to move forward with debt collection, they are required to provide me with legal debt validation and provided them with details of what this would consist of. This documentation should also include the date of the last payment made on the debt to confirm that this attempt at a collection is even within XXXX statute of limitations. The firm has continuously failed to provide me with any documentation but continues attempts at garnishment. There is no proof that there is a debt owed, or that this a debt that does indeed belong to me. 

The most recent garnishment summons was received in the mail just a few days prior to XX/XX/XXXX, that was not sent certified to document shipping or receiving dates which would determine if I received sufficient time to respond. 
The summons has a hearing date of XX/XX/XXXX, but the firm informed my employer that the garnishment will begin on XX/XX/XXXX, all while sending me a letter offering options to resolve the matter dated for XX/XX/XXXX, but the date printed on the postage of the envelope is for XX/XX/XXXX ( see attachments ), giving me an insufficient amount of time to receive the letter and respond to suggestion for a summons. 
There was no documentation with this summons. There is nothing indicating what type of account this is, what type of debt this is, details regarding the amount being requested, or information regarding the original creditor. 

On XX/XX/XXXX, I faxed a letter to Glasser and Glasser stating the above and requesting documentation that the alleged debt is valid and does indeed belong to me. On XX/XX/XXXX they mailed ( but was received by me on XX/XX/XXXX ), a staff member in their office mailed me a packet of credit card statements dated from XXXX XXXX XXXX 

On XX/XX/XXXX I faxed a letter to Glasser and Glasser stating that what they sent did not constitute legal debt validation so they needed to cease garnishment immediately. In that letter I reminded them of what constitute legal debt validation and what they needed to provide me with to move forward. This included : -Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV557, 2002 WL 32173704 ( D.Conn., XXXX XXXX, XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiffs debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Glasser and Glasser has not provided me with proper debt validation to prove that the debt belongs to me, the debt is valid, they are the owners of the debt and the rightful receivers of the alleged debt owed. Also, aside from not providing any of the above, the statute of limitations on credit card debt for the state of Virginia is three years. The credit card statements sent date the last payment as XX/XX/XXXX. 

Since the start of this garnishment, Glasser and Glasser has unlawfully taken {$1300.00} from my wages.

Company response to consumer: Closed with explanation