| 02/18/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am responding to your contact about a debt you are trying to collect. You contacted me by mail, around XX/XX/XXXX and identified the debt as XXXX XXXX. Please supply the information below so that I can be fully informed ( Previously requested information from XXXX back in XXXX ) : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. Can you provide a copy of the written agreement that created my original requirement to pay.
. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
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| 08/13/2020 |
Yes |
- Debt collection
- I do not know
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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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XX/XX/2020 XXXX XXXX XXXX a/s/o XXXX XXXX XXXX : O & L LAW GROUP, P.L ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Re : CASE # XXXX ( XXXX ) To Whom It May Concern : I wish to dispute the following charges that your company is attempting collection of : O & L LAW GROUP, P.L ACCOUNT # XXXX I am disputing the charges for the following reason ( s ) : XXXX XXXX XXXX a/s/o XXXX XXXX have alleged that I owe an undisclosed amount of debt. However, I did not receive any notice of debt till I received notice of garnishment from my employer XXXX XXXX. I have contacted and spoken to Mrs. XXXX, whom she could not explain to me the debt that I have owed. She explained to me that she will have the attorney contacted me in a few business days. After 4 business days and no contact was made I called O & L law group and spoke to an attorney from the law firm whom did not give me his name explained to me that he did not need to disclosed any debt information and he did not want to settle any debt and for me to use pubic information to find out myself. I have chosen to pursue my own attorney for assistances, and I will be sending a copy of this letter/ complain to CFPB.
I have also attached an excerpt from The Fair Debt Collection Practices Act and would like to remind you that XXXX XXXX XXXX a/s/o XXXX XXXX must now provide me with proof of this debt for you to continue to collect this debt.
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| 05/16/2019 |
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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In XXXX my mother was served with papers for an amount owed to XXXX XXXX XXXX in my name for {$1300.00}. I was not living at home during this time and had since forgotten about this debt, I have moved since then and recently received a form to garnish my wages on XX/XX/XXXX for a total of {$1600.00} that was removed @ 25 % of my total check, it was taken from 4 consecutive checks. I did not file an appeal and I did not file a payment arrangement as I am a single mother and I do not live in XXXX county at this time so going down town would not be an easy task, I figured if they garnished my wages this debt would be resolved and I would not have to deal with this again. I recently received another form to garnish my wages again now for a total of {$1700.00} The last garnishment was very hard for me and I was told once this debt was resolved for {$1600.00} the debt would be gone, to receive another order for more garnishments is not only confusing its make me sick to my stomach as this will be a total of {$3300.00} I do believe I have paid the debt that was owed and ask for any assistance to remove this order for further garnishment.
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| 03/26/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Today I realized that around {$6000.00} USD was withdrawn from my account from a law firm called O & L Law Group on a Legal Order. I have no idea what this debt is about. This company nor another agency has contacted me about this debt. If it is mine, I am willing to have set up a payment plan. Now, I have no money on my bank account, and I don't even have money for rent, food, or gas. This type of action shouldn't be legal. Please help.
Also, I have received 2 letters from different companies that I have applied for loans which I have not. I am not sure if this is all connected.
This is the law firm website : http : //www.ollawgroup.com/ These are the other two companies saying that I have applied for loans : Prosper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Plus XXXX XXXX XXXX XXXX, AZ XXXX
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| 07/09/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I have attempted to contact XXXX XXXX and the City of XXXX attempted to contact them via mail and e-mail at the attorney on the file at that time.
Request - adjustment of fees owed on debt for XXXX # XXXX Notice to appear after written request - approved one day before date to appear Received AFTER date this year XXXX.
Judgement dated XXXX {$2600.00} attempts to contact attorney on file from City of XXXX. dating back to XX/XX/XXXX copy of title search on file shows debtor mail was returned to City of XXXX. In XXXX calls and mail unsuccessful to solve debt. Now debt amount $ XXXX.
Wrote requesting adjustment of interest and none given. This is an attempt to have the debt adjusted and then I can submit payment.
Now attorney is XXXX XXXX XXXX XXXX XXXX XXXX credit card debtor XXXX XXXX XXXX XXXX.
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| 11/09/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Servicemember |
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I have already filed an initial complaint on the debt company XXXX XXXX. That one is still being worked out. This complaint is on the law firm they are using O & L law group. I was contacted out of nowhere about threats of a lawsuit about a debt. There was no confirmation of the debt. No payment arrangement or anything. Just straight to the lawsuit.I am the victim of identity theft and I had multiple fake accounts opened. If this debt is legit it could be one of those. But there is no way to confirm. This law firm is known for shady tactics. Do a XXXX search on them and you will see a XXXX star review for this law firm. They are known for threats, shady tactics, and basically stealing your money for a debt that is minimal, maybe old, or may not even be yours. This firm needs to stop.
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| 09/30/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
Servicemember |
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O & L Law Group, P. L.
XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX as representative of O & L Law Group Pursuant to my rights under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other state and federal debt collection laws, I formally notified O & L Law Group , P.L. , a debt collector, via a recorded telephone conversation on XX/XX/2021 to cease-and-desist collection on this account. However, this request was ignored as I received additional information from O & L Law Group regarding this case. This second notification to O & L Law Group is to request that you cease and desist all communications with me regarding this alleged debt or any other alleged debts that you claim I owe.
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| 06/14/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a judgment from XXXX that was settle for the amount of {$1200.00} and was paid by XXXX XXXX XXXX on X/X/2003. My employer was recently served a writ of garnishment from XXXX XXXX XXXX, on behalf of XXXX XXXX, who is supposedly collecting the debt for XXXX. The total amount they say that I now owe is {$5400.00}. I was never served as notification of this suit. Furthermore, on all documents provided to my employer, they included a case number where the first number was eliminated. I was able to find this out by finding the original filing which I never new existed. As a result, my company 's lawyer has recommended that they start garnishment proceedings. This is a bogus and unlawful debt which I am now trying to fight.
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| 11/22/2021 |
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 |
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This debt was heard in court in XXXX XXXX XXXX case # XXXX an agreement was satisfied with the plaintiff representative then, that a payment was to be established by the plaintiff legal firm. The plaintiff representatives never got back to me with setting up a payment plan. Now 12 years late with the debt being double because of their own neglect. They are seeking to garnish my wages. I am the head of my head of household. This case is back from XXXX. And I also think the statues have expired 16 years in total. Again the agreement from the hearing in XXXX was neglected by their representatives. I dont feel I am responsible the the amount they are now forcing upon me in pandemic times. Please help me thanks
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| 04/19/2018 |
Yes |
- Debt collection
- Credit card 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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O and L law firm XXXX XXXX XXXX XXXX XXXX fl XXXX made no attempts to notify me of this debt so I could verify it was mine and dispute it if it isn't or negotiate a settlement if it is. I only found out about the debt because my paycheck was almost XXXX lower than it should have been because my wages have started being garnished. If I have any bad debt it is from more than 10-15 years ago.
It is not right that a company can garnish my wages before I have been given any chance to dispute or settle the debt, so right now my wahes are garnished for a debt that may not even be mine. I have attempted to reach them by phone and only get voicemail.
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| 10/14/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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My bank account has be frozen. I was notified in a the middle of XXXX arrangements for my mother in law, that every account has been frozen for a debt I own but I not aware of anything that I am not trying to take care of. I returned home XXXX XXXX XXXX and they told me to contact O & L law firm in XXXX Fl I have left several messages and it 's Friday they not in the office. I pulled my XXXX and XXXX reports nothing about any judgements listed. I do n't know what to do still recovering from the storm no food in house and no money and my daughter at college ca n't get her money because my sis is on her account and now it 's locked.
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| 02/18/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
Servicemember |
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I am a XXXX XXXX total and permanently XXXX American Veteran. My only source of income is through Veterans'Administration XXXX.
O & L Law Group at XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # ( XXXX ) XXXX received a writ of garnishment from the XXXX XXXX Florida Courts to garnish my funds from my accounts with XXXX XXXX XXXX.
All the funds from my XXXX XXXX XXXX bank accounts are from my XXXX income with the exception of an insurance check to repair my house that I recently deposited.
O & L Law Group garnished all of my funds from my bank accounts that they are not entitled to.
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| 02/17/2017 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Threatened to take legal action
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Web |
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I have a settlement that I am paying off through Attorney XXXX at O & L Law Group XXXX, FL XXXX.
The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.
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| 07/09/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I have a debt of XXXX XXXX XXXX which was written off by the bank XX/XX/XXXX without my knowledge. I went to the bank XXXX XXXX since a law group kept on delving on XXXX XXXX Clerk File and garnishing salary from my work.This case has been closed.I paid a lesser amount to the bank to close this debt XXXX I sent them checks. I will greatly appreciate if this case will be resolve.
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| 05/13/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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O and L Law Group have garnished from my salary because of my debt, but refused to give me satisfaction of writ of garnishment.Until now this law group had continued to garnish money from my salary for another account that had been dismissed from the court twice.I hope you can help me resolve this situation.
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| 06/06/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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O & L Law Group , P.L . Is a debt collector. We are trying to collect a debt that you owe to galaxy international purchasing, llc.
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| 07/24/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Phone |
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| 01/03/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 12/20/2022 |
Yes |
- Debt collection
- I do not know
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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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| 09/27/2022 |
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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| 06/15/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Phone |
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| 08/08/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 03/02/2021 |
Yes |
- Debt collection
- Credit card 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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Phone |
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| 12/24/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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| 10/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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| 07/22/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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| 06/09/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 03/29/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 09/10/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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| 06/06/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Phone |
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| 03/14/2016 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Referral |
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| 09/30/2015 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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| 11/12/2014 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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