| 05/22/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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The Homeowner 's Association where I live is notorious for corrupt accounting and deceptive practices to secure liens. They openly harass homeowners and potential buyers/tenants who they feel interfere with their agenda. The debt collection firm they have hired ( who is also the employer of a board member who controls accounts ) has wrongfully garnished an exempt account of mine, costing me a lot of money even though it had to be reversed. The firm file suit against me without any notice nor was I properly served notice of the complaint. In XX/XX/XXXX A default judgement was entered against me because I never had a chance to dispute the amount claimed. After I became aware of the default judgement I contacted the firm to inform them I never received notice. I also stated that I disputed the amount they claimed was due. There were bogus fines and fees that were never explained nor did I receive notice of them. I was told by the lawyer at the firm that they would not pursue execution of judgement and I could start a payment plan. I stated I would make payments after I received an itemized statement of my account with an explanation of fees and fines that I did not recognize. I have never received the statement or any explanation of fines/fees. I made several payments towards the correct amount that I owed. I informed the firm that I was selling the property as soon as possible so that the account could be paid in full. I continued to receive bogus fines and fees added to my account without any chance or avenue to dispute them. All of my requests to have the debt validated or itemized have gone ignored. After I placed the property on the market, members of the HOA board and their debt collection firm began harassing potential buyers. The cars of potential buyers were towed, they were kicked off the property while viewing the property, and were even given details about the debt they claimed was owed. This went on for about a year. They interfered with every attempt I made to sell the property and pay off the correct debt on my account. I finally secured a sales contract to sell my home this past XX/XX/XXXX. I notified the firm that I needed a payoff statement as I had a buyer and wanted to close on the property asap. stated that I disputed the fines icthat I did not recognize. I sent this to them in writing. Several emails were sent between the firm and myself indicating that we were in negotiations for a payoff amount. As I negotiated with them they pursued execution of their judgement through a sheriff 's levy of my property. They pursued this process deceptively while engaging me in negotiations and leading me to believe that the account would be settled as soon as I closed the sale on my home. It became quite obvious that they stalled for time to levy my property deceptively by engaging me in fraudulent negotiations. Once I became aware of the levy I contacted the office in charge of the levy sales in our county. I was informed that a notice had been left on the door of my property the week before. It was obvious that someone removed the notice so that I would not be able to dispute the sale. Why would the debt collection firm and the HOA wait 2 years to execute a judgement deceptively? Right after they became aware that the sale of my home was about to close? They did this because they did not want payment to settle any debt. They wanted to take the property equity and huge profit margin. They made the move to seize my property before anyone else could purchase it. They still have yet to validate the debt or allow me any chance to dispute it. They have dealt with me deceptively and fraudulently, causing me to lose my home.
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| 12/10/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On XX/XX/2019 I received a demand letter from Nowack Howard indicating I had a past due amount owed. It was the first time I learned of debt. This predatory collection was sent by the HOA board to as much as 10 % of the homeowners by the Board attorney who conveniently acts as the collection attorney as well. I sent this in response to them on XX/XX/2019 : " I am writing in reference to your letter dated XX/XX/2019 regarding a past due bill of {$420.00} due to the XXXX XXXX XXXX XXXX XXXX. You are demanding a total of {$750.00} to be paid on a bill that is less than 6 months old that I had no idea it had not been paid. This email will serve as official dispute of the amount your letter indicates that I owe and as a notice to the HOA for failure to provide due dilligence before escalation. I had thought this bill was paid and never received a notice indicating it was past due. The first time that I became aware of this was upon receipt of your letter. I want to pay the amount of {$420.00}. The HOA or its assign was responsible for notifying me that this amount was not paid and I received NO SUCH letter or verbal notice. They failed to provide due dilligence in notice per the HOA docs. " The Association shall cause a notice of delinquency to be given to any member who has not paid within ten ( 10 ) days following the due date. '' The Board has changed management companies and now will not provide me with proof of their mailing or a timeline of when this can be provided. There is a history of erroneous assessments and fines from the prior management company so their credibility is already questionable. This has been handled by the Board in a completely unreasonable and unprofessional manner and I am officially disputing the amount due to your firm- ( 80 % added onto the amount actually due to the Association ). I would be happy to pay the {$420.00} due and would have paid it if I knew it still was outstanding 10 days after the due date. Please advise on where to send the {$420.00} as I will pay immediately. In over 6 years, I have never paid a late bill and I take pride in paying my bills on time whereas the practices of the management company have been questionable. '' Ultimately, the HOA waived the late fee but the attorney 's fees have not been waived and I can not pay the HOA unless the attorney is paid first as all amounts paid are applied to the attorney fee first.. Please help as this never should have been sent to the attorney and I am literally forced to pay their fee. As much as 11 % of homeowners have been sent to this attorney incorrectly and upon the advice of the same attorney at the board meeting. This is PREDATORY COLLECTIONS upon the unsuspecting homeowners.
Thank you,
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| 04/13/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am a XXXX XXXX XXXX whose XXXX has come to a stop due to COVID-19.
Many of us XXXX XXXX XXXX are facing financial stress, XXXX and some may consider suicide during these unprecedented times. What happened to my XXXX of 20 years due to COVID-19 is not my fault.
NOW Im dealt another blow from attorneys seeking to generate fees in the collection of a debt that I no longer owe.
While my mortgage payment and other bills are due. Even my lender is working with me due to COVID-19. But not these debt collection attorney firms.
On XX/XX/XXXX I accepted a settlement offer that the case would be dismissed for no fees, fines in return I would make changes to landscaping. I have the settlement in writing.
The debt collection attorneys at that time were XXXX XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Georgia XXXX. XXXX.
Nowack Howard XXXX XXXX XXXX attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX The week of XXXX I was notified that another law firm Nowack Howard was added to the lawsuit. Now there are Two attorneys firms and Four lawyers trying to collect a debt that was already settled.
The week before XXXX I received notice from the courts that a case that had been settled was now scheduled to go to trial on XX/XX/XXXX.
I was blind sighted. From XX/XX/XXXX until XX/XX/XXXX. No activity happened on the lawsuit. I assumed it would be dismissed as agreed.
Now these attorneys firms operating with unfair practices and have no integrity. All for collecting attorneys fees have decided NOT to honor the settlement agreement in XX/XX/XXXX.
I have provided written evidence and asked they stop the misuse of the courts time. The only thing they care about is the financial reward of having a new client. Theres no reasoning with the new attorneys as their goal is to aggressively rack of attorneys fees.
They reopened this case during COVID-19 the week before XXXX which gives me little time to prepare. This was rushed through the courts with the hopes I would have little time to get ready and a default judgement would be found.
These attorneys have Not acted honestly after I notified them that the matter was settled. They are not trying to avoid non essential litigation. But proceeding with this case as though I committed a crime.
During COVID-19 these practices from attorneys acting as debt collection agencies should stop. When a written settlement is in place, they should consider honoring said settlement.
But for financial reward they see before this case would have stopped.
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| 08/21/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On XX/XX/XXXX, I was served with a civil suit for a collection company Nowack Howard on behalf of XXXX XXXX for HOA fees. According to the civil suit, I was accused of not attempting to work out my debt with the collections company. This was not true.
I spoke with XXXX XXXX, employee of Nowack Howard, and notified her about my financial situation. In our conversation, I told her that the house was on the market for sale and needed to workout any fees. On XX/XX/XXXX, I received a follow up call from XXXX XXXX XXXX, an employee of Nowack Howard. She notified me that everything was clear and emailed me a lien release. I still have the email.
After receiving the civil suit, I tried numerous times to call and work with someone at Nowack Howard. Finally, I received a call from the Collections Manager, XXXX, and she was supposed to provide an account statement. However, she never did.
On XX/XX/XXXX, I received a call from XXXX XXXX, and she was able to assist. I told XXXX about the lien release from XXXX, and she said that she sent the wrong information. I offered two settlement offers to the HOA because I did n't agree with the services rendered and all the cost associated. Both of the offers were declined.
On XX/XX/XXXX, I started seeking legal advice. An attorney pointed out that I needed to answer the complaint with the courts and utilize my grace period. I thought I was supposed to work with the Collections Department at Nowack Howard. On XX/XX/XXXX, I filed an answer to the complaint.
Due to not having adequate time to research, I ended up being forced to pay all fees, including attorney fees because we have a closing coming up on the house. Nowack Howard did not take proper responsibility for their actions. However, they took the opportunity of my lack of knowledge in the court process to gain money during my financial distress.
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| 11/03/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received a notice from NowackHoward collections on XX/XX/2019 to pay attorneys fees in addition to an HOA fee past due, for total of {$570.00}. Per the letter, a lien on my property is being sent to the Clerk of Court.
Notification was NEVER sent/received from the HOA or management company that I was past due. They went direct to collections without sending a late notice.
Subdivision/HOA is XXXX XXXX and XXXX XXXX XXXX XXXX , XXXX. ( Subdivision is located in XXXX, GA ).
I have contacted the collections group in writing via email to resolve this issue. In communicating with other residents, they did not receive a late notice either.
A check had already been mailed to the management company, which included the amount due plus late fee.
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| 05/24/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American |
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I had a similar experience with this law firm with a law suit from XX/XX/XXXX thru XX/XX/XXXX. It was a very horrific experience for me. Starting with the fact that I could not afford legal representation, as such, It was self representation. I was bullied through the court system which caused me a huge financial loss for forced settlement including their legal fees. Final judgement settlement {$1800.00} of XX/XX/XXXX. I made 3 installment payments to clear it. This amount was on top of every payments I made over time to catch up and be current, both assessments and late fees on XX/XX/XXXX {$1400.00}.
Now to the current situation. I have made a fair offer for an amicable resolution.
Every relevant documents attached
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