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I negotiated settlement options with the Law Office of Crystal for a default judgment they were awarded for failure to appear. I was required to send in proof of my debt with the IRS, my monthly mortgage statement to show a {$400.00} increase in obligation as a result of insurance, the debt letter for another law office I am already ( barely ) making {$500.00} payments to, the additional insurance payments I was making for my property, along with my proposals for voluntary resolution. These documents were found to substantiate my financial hardship by the client that they represent and approved the options for repayment. It was after my email asking how to make payments that I lost their contact information. Instead of picking up the phone and calling someone that they know was trying to resolve this matter amicably they issued a garnishment to my checking account. ( please be advised that they had previously attempted to garnish this account and rendered {$0.00} after review by my bank because I am NOT hiding money ). Having all of this information they still processed a garnishment of {$310.00} ( minus an additional {$100.00} in legal fees enforced by my bank to review my account ). This account is generally in a negative balance however I had XXXX checks outstanding totaling {$410.00}.
Besides the fact that I think the laws need to be changed as far as a bank levy is enforced ( with a garnishment of wages you can only take a percentage, a levy takes everything you have which is outrageous for a non-IRS defaulted debt ). I feel that this attorney knowingly and voluntarily inflicted an undue burden and hardship willfully without making any other reasonable effort to contact me ( a.k.a phone call which was provided to her when I contacted her initially ). She has been provided all requested documents to substantiate that.
Their information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Physical address XXXX XXXX XXXX XXXX TN XXXX Phone # XXXX XXXX XXXX Fax # XXXX
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