Law Offices of Timothy E. Baxter & Associates, P.C. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/10/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 494XX	Web	Servicemember
I received a letter from XXXX XXXX XXXX XXXX XXXX, XXXX. dated XXXX XXXX, XXXX in my personal mailbox on the evening of XXXX XXXX, XXXX. The letter stated that they are a debt collector and are trying to collect a debt from me. I immediately called the business the next day, XXXX XXXX, XXXX, while I was at work and asked what the debt was about and how they came up with the amount owed. To my knowledge, the debt they are attempting to collect on was charged off from the original creditor and sold to another company, not XXXX XXXX XXXX and XXXX, XXXX. I spoke to a customer service representative who identified herself as XXXX on the phone and told her I was willing to work out a payment plan to pay off the debt if was truly verified as mine. I explained that I only have XXXX income and could not afford more than {$20.00} per month as a payment, which is a major reason this debt was originally charged off and sent to collections. XXXX said that XXXX XXXX XXXX XXXX XXXX, XXXX. would not accept less than a payment of {$91.00} per month, to which I replied that this amount was not feasible on my income. I asked what would happen to me if I only made small payments and not the {$91.00} payment that I had no way of making and XXXX told me that her company could sue me and garnish my wages. I reported XXXX XXXX XXXX XXXX XXXX, XXXX. to the XXXX XXXX XXXX and Michigan Attorney General 's office in an attempt to protect myself from have legal action pursued against me as I am genuinely attempting to work with this business and pay this debt. I feel that XXXX XXXX XXXX XXXX XXXX, XXXX. does not care that I am willing to make payment arrangements with them, that I have XXXX income and I 'm living in poverty or that I am making an honest effort to repay my debt. They have poor business practices and to threaten legal action right away is very threatening and unacceptable.
03/29/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MI 494XX	Web
This collector refuses to provide any written verification of debt or any requested information for that matter. At the judgement hearing, the attorney stated that he would send me the agreement to file a motion to set aside if I were to pay the judgement in full by the end of the following month. Nine days left of the month and I finally contacted them to request this information and they claim to have no knowledge of it, yet inform me that I now owe over {$200.00} more than the judgement due to statutory interest. They request that I call back the following day to see if they had a chance to speak with the lawyer. I was n't able to call back until 6 days later, only to find that instead of sending me the requested information, they filed a garnishment instead. I feel like they use the courts to prey on people who are n't able to protect themselves and do so using tactics like demanding you allow them to garnish real property if signing a payment agreement. I was not taken seriously during the entire court process by either the court or the collection agency and they need to be stopped from abusing their power. They still have not issued the garnishment or sent me anything in writing concerning the amount of interest they are now attempting to collect on as well.
04/02/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	MI 48219	Web
I was garnisheed by Timothy E. Baxter & Associates for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by Timothy E. Baxter & Associates. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed.
02/09/2018	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	MI 48221	Web
On XX/XX/18 I received a credit alert from XXXX that a new hard inquiry was on my report. When I checked it was from the Law Offices of Timothy Baxter stating I applied for a new line of credit. I have never heard of or authorized this company to access my report. I immediately contacted the company and was told by XXXX they dont need permission to run my credit. I then called XXXX who removed the inquiry and placed a freeze and fraud alert on my account. Come to find out this is a debt collection agency attempting to collect an old debt HOWEVER they should not ran my credit as an attempt to say I applied for a new line of credit which I never did.
06/05/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MI 48203	Web
I understand that I do owe for the credit card, I 'm not denying that. However, when I called a spoke with a representative from the law office and explained that i am the only one with income. I told her I was willing to pay XXXX to XXXX dollars a month. She told me that was unacceptable. Next thing I knew they went into my bank account and took all my money. I have absolutely no money, no food,, light bill is due, car insurance, and other bills that I automatically have taken out of my account. I could understand if they took some, but, they left my account with a zero balance. I guess my question is can they do that?
04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48066	Web
On XX/XX/XXXX the law office of timothy pulled my credit report without my consent. I've never heard of this company or to my knowledge never done business with this company so I'm not sure why they would be request my credit report without my consent. On XX/XX/XXXX the law offices of timothy pulled my credit report again without my consent on XX/XX/XXXX i contacted Experian and let them know about these unauthorized inquires and they told me they could pull my credit if i owed them a debt and i know that's not true this is against fdcpa
09/02/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MI 48180	Web
I have reported this law office 2 times already. I have called them twice and told them I am not the person they are looking for. This person was married to my brother almost 30 years ago. She has NEVER lived with me or been at this phone number. I have told them this. I have not seen or heard from this women in 30 years. They stopped calling for a while after I filed the last complaint but today they started again. XX/XX/21.
03/22/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	MI 483XX	Web
I was in desperate straights and I borrowed at a rate and term that was more than my understanding allowed for.
09/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48180	Web

06/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34112	Web

04/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48080	Postal mail

02/06/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48336	Postal mail

06/01/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MI 48230	Web

02/21/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 48201	Web

05/11/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 48851	Web

04/28/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48185	Phone

03/31/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	MI 48180	Phone

06/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MI 48126	Web

09/09/2015	No	Debt collection Credit card	Communication tactics Threatened to take legal action	MI 48602	Web	Servicemember

03/06/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	MI 48120	Web

01/06/2015	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	MI 48197	Web

08/18/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MI 48025	Web	Older American, Servicemember

07/21/2014	No	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	MI 48189	Web