Protas, Spivok & Collins. LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
06/01/2017 No
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MD
  • 20784
 Web
I am writing this letter seeking your assistance in resolving the damages done to my credit, in which it has prevented me from obtaining the mortgage even though I have paid for what is a cancelled judgment. This document is being written in reference to a garnishment that has NOT been handled properly. I was renting an apartment from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), due to some unforeseen circumstances ; I gave my notice, and left the unit. I was not aware of any balance due, nor contacted for any balanced due. I am currently employed by XXXX XXXX XXXX located in XXXX XXXX, XXXX XXXX, XXXX Maryland. I was previously employed fromXX/XX/XXXX through XX/XX/XXXX. I was rehired in XX/XX/XXXX. Once I was rehired by XXXX XXXX XXXX in XX/XX/XXXX, I was informed that there was an ACTIVE garnishment through the District Court of Maryland in XXXX County ( Case # XXXX ). I was notified of this judgment/garnishment through Human Resources Department at XXXX XXXX XXXX. I was informed of the amount due for garnishment was {$4800.00} and to be paid to a company by the name of Protas, Spivak , & Collins on behalf of XXXX XXXX XXXX, XXXX, pertaining to the unit that was left at XXXX XXXX XXXX. I was told the full garnishment would be completely paid by the end of XX/XX/XXXX. On XX/XX/XXXX, the total payment for the garnishment of {$4800.00}, which was the amount of the judgment reads and was provided to Human Resources XXXX XXXX XXXX, was paid in full. On XXXX XXXX, XXXX, I called and spoke with a XXXX XXXX XXXX who introduced himself as Director, Client Services for Protas, Spivak , & Collins asking for a paid in full letter and more information about this judgment. I explained to the XXXX XXXX that I was never served with any documents pertaining to collections, judgment, or garnishment of wages from anyone dealing with this matter. XXXX XXXX stated the initial judgment was filed through XXXX County District Court on XXXX XXXX, XXXX. He also stated that on XXXX XXXX, XXXX, I was served by a processor with judgment paperwork, where a person by the name of XXXX XXXX accepted on my behalf as my CO-RESIDENT at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX. I then, informed XXXX XXXX that I was not residing at that address at that time. I had moved and had a new signed lease at the resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland onXX/XX/XXXX. I also informed him that it was only the sole renter on the lease. I had no Co-resident on that lease, when I resided at the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX ( XXXX XXXX XXXX XXXX ). The person who was served my judgment documents was not a person I knew at all and have no idea whom this person is. I also informed XXXX XXXX that the garnishment had shown terminated in the District Courts of XXXX County as of XX/XX/XXXX and was the judgment they were collecting on from my employer valid and active. I was not given a direct answer from him. I was told he would not be able to answer any legal questions although he represents for Protas, Spivak , & Collins and I would need to seek legal advice elsewhere. I asked XXXX XXXX to have all documents pertaining to the judgment and affidavit of service emailed directly to me on XX/XX/XXXX. I was told that interest had accumulated on the terminated judgment of an additional {$610.00} would also be garnished from my wages.

As of XXXX XXXX, XXXX, a total amount of {$5000.00} has been garnished from my wages at XXXX XXXX XXXX from a terminated judgment as per court documents. On XXXX XXXX, XXXX, my credit report was pulled to obtain a credit score. It was brought to my attention that there was a collection on my credit report from a company by the name of XXXX, XXXX, for a collection amount of {$4400.00} for XXXX XXXX XXXX XXXX this amount was requested in the judgment in case with XXXX XXXX XXXX XXXX, District Court of Maryland in XXXX County ( Case # XXXX ), so same amount was reported twice on my credit a ) by the collection company, b ) as a judgment by the court There is also a judgment of my credit report from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX represented by Protas, Spivak, & Collins in the amount of {$4700.00}. This judgment shows terminated as of XX/XX/XXXX in the District Courts, but Protas, Spivak , & Collins has collected a total of {$5000.00} as of XX/XX/XXXX in garnishment of my wages from XXXX XXXX XXXX since XX/XX/XXXX. This issue being was reported incorrectly. My issues as of this point are the following : *I was never properly served any paperwork concerning this debt. I believe they were aware of the fact that wrong person was served, yet they testified in court that it was properly served. * I was not connected in any way to the person that was served the judgment documents. * I have been paying on a terminated judgment from Protas, Spivak, & Collins since XXXX XXXX that I was never served, and legally not valid. *My employer nor I have received any updated documentation of the judgment/ garnishment from Protas, Spivak, & Collins since XX/XX/XXXX ( I left the company XXXX XXXX and returned XXXX XXXX, which is well past the 90-day rule written in Rule 3-346 ( k ) Termination of Garnishment for Maryland. * This amount has been reported twice on my credit report and neither Protas, Spivak, & Collins ( Judgment Company ) or XXXX XXXX, ( Collection Company ). Whom both represent XXXX XXXX XXXX XXXX in reference to XXXX XXXX XXXX XXXX agreed to cooperate. I have made phone calls, and spent hours pleading to them to correct their document, but they were rude and unhelpful. Please kindly help me to resolve this matter. I am looking forward in hearing from you, please dont hesitate to contact me at phone # XXXX And my email XXXX Very truly yours, XXXX CC : XXXX , Human Resources, XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX Director, Client Services Protas , Spivak & Collins Cc : XXXX, XXXX XXXX

10/20/2016 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 22304
 Web Servicemember
I am writing the Consumer Financial Protection Bureau ( CFPB ) to get help with a debt that I have with XXXX /Protas , Spvok , & Collins , LLC from XX/XX/XXXX First let me state that I have never had a personal credit card from XXXX/Protas, Spvok, & Collins , LLC Bank, so I believe that this debt relates to a company that I used to own, XXXX, which went out of business around the year XXXX. I was not made aware of this debt until XX/XX/XXXX when I received a Garnishment Summons to be in court on XX/XX/XXXX. I honestly do not remember this debt, but they say that I owe it. When I did have a company, I had an accountant who handled all of my financial information for the company and I was not aware of this debt. It was my understanding that my company was a Corporation, incorporated in the state of Virginia. At the time that the company went out of business, I was not made aware of any outstanding debt that I owed. Now, for a little background. I have had a personal account with XXXX/Protas, Spvok, & Collins , LLC Bank since the year 2,000. I have lived in the same location since XX/XX/XXXX with the exception of a couple of years. I have never been contacted by XXXX/Protas, Spvok, & Collins , LLC about this delinquent account. It appears that XXXX/Protas, Spvok, & Collins , LLC has made minimal effort to contact me in reference to this account, since that have had my contact information for the entire time. Could it be that XXXX/Protas, Spvok, & Collins , LLC is trying to scam me out of exorbitant interest? I found out about the bad debt account when I received a summons form the court a few days before the court date. I received a summons from Protas, Spvok, & Collins , LLC, XXXX, XXXX, XXXX, MD XXXX, telephone # XXXX to be in court on XX/XX/XXXX. I believe that XXXX/Protas, Spvok, & Collins , LLC was required to renew the case every seven years in order to keep it active. There was minimal identifiable address information, so I almost did n't open the envelop because it looked like junk mail. The summons stated that the original amount of the debt was {$6300.00}, but the amount had ballooned to {$20000.00}. That is an incredible increase from the original amount. If I had known about this debt, I could have taken care of it long before the interest more than tripled the amount owed. I hired a Lawyer, XXXX, to contact XXXX/Protas, Spvok, & Collins , LLC on my behalf to see if I could work out a way to pay the debt. XXXX/Protas, Spvok, & Collins, LLC did not return the calls from the Lawyer, nor have they tried to contact me to give me an opportunity to pay this debt. It has been more than one year and 4 months since the judgement and I have not heard from XXXX/Protas, Spvok, & Collins, LLC/Protas, Spvok, & Collins , LLC. It is as if they are purposely letting the interest continue to grow to increase the amount that I owe. It is unbelievable that a company can let a debt grow by more than 250 % without making a good faith effort to contact the debt holder. I do not mind paying my debts, but this is more like robbery. XXXX/Protas, Spvok, & Collins , LLC has had my contact information for years. I get correspondences from XXXX/Protas, Spvok, & Collins , LLC on a regular basis, but have never received anything about this debt. I do not believe that XXXX/Protas, Spvok, & Collins , LLC Bank has made a good faith effort to contact me about this debt. I believe that XXXX/Protas, Spvok, & Collins , LLC has been running a scam to let the interest grow to an unreasonable amount. I need help from the Consumer Financial Protection Bureau to work out a reasonable amount to pay XXXX/Protas, Spvok, & Collins , LLC to retire this debt. Please help!
12/22/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 21222
 Web
received a letter from my employer that I was under a wage garnishment. Did not receive any letter for a court hearing, did not receive any letter that a wage garnishment was granted or the amount of the wage garnishment. I checked Maryland judiciary case search and found it was from XXXX XXXX XXXX and my debt was sold to XXXX XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. Payments began to come out of my pay check inXX/XX/XXXX. I paid an amount of {$1900.00} in the year XX/XX/XXXX. The garnishment continued intoXX/XX/XXXX. To date ( XX/XX/XXXX my amount of debt paid is {$6800.00} I requested a court hearing to stop or modify the payments due to hardship in my family. XXXX XXXX appeared for the court hearing on XX/XX/XXXX and agreed to modify my payments. After receiving my next check I noticed the payments did not change., I called XXXX XXXX office on the following dates : XX/XX/XXXXand XX/XX/XXXX. On every occasion I was refused to be allowed to speak with XXXX whom I conversed with in court. I left messages for him on every date listed above with no return call or email. On XX/XX/XXXX I called the office of XXXX XXXX XXXX again and explained to the receptionist that according to the judgement amount on Maryland case search I had overpaid by {$130.00}. she put me through to the paralegal who refused to give me the total amount of my debt with their company and he would only discuss it with my employer. I asked him why he would not disclose this information as its my case and my wages that are being garnished and he repeated to have my employer call. He intentionally deceived me by refusing to give me the total amount of my debt so I could confirm the amount I have paid and what is still owed. To this day I have had no respose from XXXX XXXX XXXX office regarding this matter.
05/21/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Impersonated an attorney or official
  • DC
  • 20020
 Web Servicemember
I received a letter from Attorney, Protas, Spivok, and Collins, LLC. Phone : XXXX XXXX regarding an unpaid balance ( {$2000.00} ) from an apartment ( XXXX XXXX ) I lived in from XX/XX/XXXX to XX/XX/XXXX. I contacted the apartment management and expressed to them that the information that they submitted to collections was incorrect and requested to receive correspondence on what they had on file for me. I was initially told ( by XXXX XXXX, Regional Director ) that their records indicated that I moved out on XX/XX/XXXX and that they did not receive rent for XX/XX/XXXX and XX/XX/XXXX of that year. A XXXX email, from XXXX, confirmed that I submitted notice to vacate the apartment on XX/XX/XXXX and that I vacated the apartment on XX/XX/XXXX and relinquished the keys to XXXX on that same day. She went on to say that although they kept my security deposit ( for the XXXX days in XX/XX/XXXX that I was still in the unit ) the lease requires a tenant to move out on the XXXX and that I would be responsible for paying for XX/XX/XXXX, plus late, legal and WRIT fees. After requesting that she provide me with a copy of the lease and highlight where it states specifically that a tenant can not move out until the end of the month, XXXX did not respond to me but I received an email from a representative from XXXX XXXX, Client Liaison, XXXX XXXX XXXX, stating that her client could no longer be communication with me because this case is now a legal issue. I am being harassed by Attorney, Protas, Spivok, and Collins, LLC stating with threats of my wages being garnished because of this unpaid balance up to being placed in jail. The information that was submitted to the attorney is incorrect and I do not owe XXXX XXXX ( Equity Management ) anything.
11/15/2019 No
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • VA
  • 23324
 Web
I first received a letter dated XX/XX/XXXX from Protas, Spivok and Collins, LLC, stating they were a firm representing XXXX XXXX XXXX XXXX with XXXX XXXX being the original creditor and if account was not in dispute they expect full payment of {$7300.00} and unless I notified them in 30 days that I dispute the validity of the debt they will assume the debt is valid. I then sent them a response letter on XX/XX/XXXX advising that validation is requested and to provide me with the following : provide me with the following : ( 1 ). What the money you say I owe is for ( 2 ) Explain and show me how you calculated what you say I owe ( 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( 4 ) Provide me with the original contract bearing my signature ( 5 ) Identify the original creditor ( 6 ) Prove the Statue of Limitations has not expired on this account ( 7 ) Show me that you are licensed to collect in my state, and ( 8 ) Provide me with our license numbers and Registered Agent. They then sent another letter dated XX/XX/XXXX without any of the information I requested. The letter only stated the debt has been verified and the name of the creditor and balance. On XX/XX/XXXX I sent another letter to them asking where is the proof they have the right to collect the debt from me, proof the own the debt, payment history from the original creditor, copy of original contract bearing my signature, and how the fees where determined. Instead of the company validating the debt and proving in proof the decided to send me a summons to court instead for XX/XX/XXXX XX/XX/XXXX
10/28/2015 No
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • DC
  • 20018
 Web
XXXX issued me XXXX with a {$12000.00} limit. I lost my job in XXXX and had trouble making payments. In XXXX XXXX, I entered in to a payment plan to pay $ XXXX/month. On my credit report XXXX reported I owed {$12000.00} and paid $ XXXX/month. XXXX debt collector, XXXX XXXX and Protas, Spivok & Collins XXXX LLC reported I owed {$15000.00} and could not be found for payment. Therefore, XXXX 's collection company sought to collect for the same debt simultaneously and for more money. In XXXX XXXX, XXXX XXXX, the attorney for XXXX, filed for judgment when a payment was received by his law firm a few days late. The judgment increased my debt from {$12000.00} to {$17000.00}! I NEVER received a summons. I was not present in court to defend myself. I wrote after the fact to inform the court and my protest fell on deaf ears. To date, I have paid XXXX {$10000.00} for the XXXX. I learned today that a legal hold/garnishment was placed on my XXXX bank account for {$15000.00}! I have paid {$10000.00} and now XXXX seeks an additional {$15000.00}. When I asked Protas, Spivok & Collins XXXX LLC why they requested {$15000.00}, they told me to file suit in XXXX XXXX Court. I have fulfilled my obligation and paid {$200.00} for XXXX XXXX. I am paying my debt, yet being punished. I had approximately {$1500.00} in my account and my paycheck for {$2200.00} will be direct deposited on XXXX XXXX, XXXX. XXXX will receive over {$12000.00}, which was the maximum card limit. It is unconscionable that I am being forced to pay an additional {$15000.00}. XXXX sought garnishment for more than twice the amount I owe.
12/30/2020 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21117
 Web
On Saturday, XX/XX/2020, I checked my XXXX checking account that was at a XXXX dollar balance. I knew that the locations were closed, so I called a XXXX branch that following Monday, XX/XX/2020 to speak to a representative regarding the XXXX dollar balance. While speaking with the representative, I was relayed the information that a debt collector had put a legal hold on funds in my account in the amount of {$490.00}. I was then relayed the name of the law firm who placed the hold, Protas, Spivok, & Collins , LLC. According to the XXXX representative, the firm ordered the legal hold on my funds/ The XXXX representative told me to contact them at their primary corporate contact number ( XXXX ) XXXX ( public information ). Approximately two weeks later, I reached out to the law firm and reached the secretary. The secretary transferred me to a voicemail and I left a message pertaining to the hold and my contact information. I repeated this process approximately five times and never received a response. A friend of mine acting on my behalf also contacted the firm, and their phone call was returned. However, during that brief conversation, the attorney on the line said he could not release any information about the hold or the funds to myself or my friend, because the debt was not in my name and he was not authorized to disclose any other information. In summary : Funds are being held in my bank account for a debt that is knowingly not mine by the law firm, and I am being kept in the dark about the situation with no ability to relieve the debt or resolve the issue and release my funds.
05/24/2017 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 214XX
 Web
Protas, Spivok and Collins ( PSC ) works for debt collectors, s uch as XXXX XXXX and XXXX XXXX to unethically garnish wages and collect on debts already paid. See online complaints : XXXX XXXX XXXX Report : # XXXX and XXXX XXXX XXXX Report : # XXXX Mine is yet another case of Protas, Spivok and Collins going after a debt already paid. I paid my debt ( for a credit card ) i n XX/XX/XXXX . It is now 13 years later, XX/XX/XXXX . I have documentation that the debt was paid. PSC is not willing to accept it. They put a court order through to garnish my wages at 25 %. I created a motion to vacate judgment ... but it takes time. The garnishment will begin before the case can be heard. I contacted my bank to see if I could get an old bank statement or cancelled check, but banks keep their records for 7 years only. They can not go back further than this . PSC knows this ; it is a part of their strategy. Many people shred records after 7-10 years. PSC knows this and counts on this as well. Others who have complained said that PSC came after them 13 years after they paid a debt, just like me. PSC also charges interest on all the supposed years the debt was not paid, so my debt, just like the others who have complained is 3 times the amount of the original debt that was ALREADY PAID. Protas, Spivok and Collins are extortionists and need to be stopped. Too many people 's lives and wages are being drained and damaged by their unethical debt collection practices years after records are destroyed.
07/31/2018 No
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23666
 Web Servicemember
On XX/XX/XXXX I spoke with a paralegal at Protas, Spivoc & Collins LLC in reference to a debt that was reported by XXXX XXXX XXXX XXXX. This debt resulted when in XX/XX/XXXX a XX/XX/XXXX XXXX XXXX that was being leased by me was repossessed. The vehicle had 4 months remaining on the lease with a balance of {$1800.00} plus late fees and personal property tax. At that time, the balance to pay the debt was around {$4000.00} On the day that the vehicle was reposessed, I went to the auto tow location where the vehicle was taken and attempted to pay that balance and retrieve the vehicle to return it to XXXX XXXX. XXXX XXXX refused to accept payment, and the vehicle was sold at auction. After selling the vehicle, I received a statement from XXXX with a balance due of {$17000.00}. This amount includes balance on lease, property taxes and fees required to repossess and sale the vehicle plus the amount that represents the difference in the value of the car less the amount the vehicle sold for. The lease that I signed with XXXX clearly states the required payment amount due if in default. My complaint is that XXXX XXXX has turned this debt over to Protas, Spivoc & Collins but the amount due is in error. I have communicated this information with them and I am getting the run around. I wish to resolve this debt as it is affecting my credt, however I am only willing to pay the actual amount that I owe. I spoke with XXXX XXXX at Protas, Spivoc & Collins but I have not been able to resolve this issue.
06/18/2021 No
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MD
  • 20785
 Web
We hire a Public Adjusting Company to assist in the process of settling a homeowners claim with XXXX XXXX XXXX. XXXX XXXX paid out a settlement check in which the adjusting company XXXX XXXX XXXX XXXX ) are holding and will not release to us. Our Mortgage company ( XXXX XXXX XXXX ) is waiting to receive the settlement check to distribute the funds to ( XXXX XXXX XXXX ) for their services, the ( Contractors ) that will perform the home rebuild, and a percentage to us ( home owner ). That is the XXXX XXXX XXXX Adjusters will not release the check to our mortgage company which has cause extreme delays, financial loss, and Contractors discouragement. The Main issue at this time XXXX XXXX XXXX opened a claim for collection with a law firm. Which we believe is bad business practice, since we did accept the settlement offer from XXXX XXXX, so there was never a matter of not wanting to proceed. XXXX XXXX XXXX want to govern the distribution of funds to control the process in rebuilding our home to it's completion, ( payout to contractors material and labor ) makes surprise visits from several states away to charge us for travel. XXXX has even stated themselves that we Do Not need to go with their services from this point for forward. This was confirmed with our mortgage company XXXX as well. This is Bad and Unfair Business Practice.
07/30/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23233
 Web
On XX/XX/XXXX XXXX Apartments ( now represented by Protas, Spivok & Collins filed a Warrant In Debt against me. XXXX This is regarding the same dept. complaint filed XX/XX/XXXX CFPB case number XXXX XXXX XXXX XXXX XXXX I have reached out to attorney XXXX XXXX XXXX of Protas, Spivok & Collins several times requesting documentation to support the balance due. ( The same issue I was having with the previous dept collectors XXXX XXXX XXXX. This balance has yet to be substantiated and the direct communication to the attorney to obtain documentation is being ignored. The original hearing was set for XX/XX/XXXX and it was noticed that there was a billing error as they tried to obtain judgment for {$8400.00} XXXX double the original amount ordered ). Due to this error the case was continued to XX/XX/XXXX. On XX/XX/XXXX the balance although adjusted still was not correct, and the judge ordered a bill of particulars to be mailed to my address within 15 days form XX/XX/XXXX and the case was continued again to XX/XX/XXXX. On XX/XX/XXXX they filed a nonsuit and no new court date has been set. As of today I still have no documentation to support the current balance, and no date to anticipate when this matter will be resolved. When I ask the attorney XXXX XXXX for the information she does not respond to my email requests.
06/22/2015 No
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • VA
  • 237XX
 Web
Being continuous contacted about a charged off debt from no longer functional ; bankrupt company. I have received a Garnishment summons for over five years concerning this account. This collections dept used a third party to gather information about me. The information that there using to collect is totally incorrect. I no longer work for the company they trying to collect from. I never applied for credit using the company information, I previously worked for. The only way they could have gotten that company information would be to get it from IRS or my personal email using a hacking service. The reason I said hacking email, is because I asked previous employer for a form to file taxes with and it was sent through my email account in PDF format, this month. That would be the only XXXX options I can think were they could have gotten employers data from. Hacking into a persons email account using a data gathering tool.
09/23/2018 No
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • VA
  • 245XX
 Web
XXXX XXXX, XXXX # XXXX Protas , Spivok & Collins , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I received a warrant in debt to appear in court XX/XX/2018 for XX/XX/2018. I never received any notifications of this action being taken against me nor have I received any communication from the bank to claim the debt or allow me to request validation, dispute, or come to an agreement. I never received anything from their attorney ( listed above ) as well prior to the warrant in debt notifying me that this action was going to be taken. I was working out of state as I do XXXX XXXX using my parents address as my tax home. I have had inadequate time to contact an attorney or prepare for a trial myself. It has cost me in travel time, financially, and personally in having to manage everything in such short notice coming from CA to VA to appear.
07/31/2015 No
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23464
 Web
I have sent a letter to this firm on a debt to Protas, Spivok & Collins , LLC. To please send me the information on this dept, ( as per the sample letter you provide. The letter was sent Certify mail. So I can obtain proof of my actions within the thirty days. They have returned a reply, with a some papers that was looked up online. No original signatures, No Statement of last activity of the account. they stated its a judgement, but not on my credit report. ( SOL must of ran out, if it was on their ). I will send them another Certified letter again but highlighted with info required and have it notarized. I will also give them a order to stop until proper info has been provided on this debt. That I will take full legal actions against their firm in the state of Virginia.
10/27/2018 No
  • Debt collection
  • Private student loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 207XX
 Web
Hello, There were two cases against me and I was not served properly. I was not even served at all. XXXX and XXXX are the cases. They were given default judgements against me. I didn't know about this until XX/XX/2018 when they attempted wage garnishment. I went to court for that and it was dismissed. According to a case against the owners of the trust suing me, they are not allowed for further action even though there were judgements. It is XXXX XXXX XXXX XXXX and XXXX. There was a class action lawsuit against them and they have to comply with the consent order. Case reference : XXXX XXXX XXXX I was told to contact the cfpb and start the process of getting these judgements looked at.
08/01/2017 No
  • Debt collection
  • Private student loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MD
  • 20735
 Web
I obtained a student loan from XXXX XXXX in XX/XX/XXXX. This account was later sold told XXXX and was closed/ charged off XX/XX/XXXX. XXXX later sold my debt to a collection agency who later transferred the debt to Protas, Spivok and Collins LLC. This collection agency has repeatedly called me during all hours of the day during work hours and evening hours. They have also harassed family members whom were down as References these family member have informed me they are being contacted several times a day. It took me calling XXXX to find out if their were any income based repayment options for me to find out that my information and debt has been transferred to 2 other collection agencies.
05/17/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22304
 Web
I have been contacted by XXXX XXXX regarding a debt I due not owe with XXXX XXXX Apartments. XXXX XXXX , of the apartment community issued this debt based on a falsified statement regarding a six month lease that did not exist. Upon request of proof of any agreement to payment of the specified amount, I received no response. This debt is now in litigation with Protas , Spivok & Collins , LLC. I submitted an official debt dispute letter on XXXX XXXX ; however, upon daily calls to XXXX XXXX to follow up on the status of the debt and request removal of the chargeoff or a hold based on discovery, I have received no response.
05/03/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • XXXXX
 Web
I received a Writ of Garnishment of Wages from my employer regarding a cell phone bill that is more than 7 years old. I was incarcerated when the debt went into default. I have not been notified of the debt from XXXX XXXX or XXXX , XXXX XXXX Protas, Spivok & Collins, located in XXXX MD, until this time. The {$710.00} debt has accrued other interest and fees over the years, totaling over {$1500.00}.
12/08/2023 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • VA
  • 23455
 Web
I received a letter today. First response ever from this company. Protas, Spivok & Collins in regards to an account / debt with XXXX XXXXXXXX XXXX XXXX XXXX Debt Section XXXX XXXXXXXX XXXX Never heard of them. Never had an account with them.
12/27/2023 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07751
 Web
10/03/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 23321
 Phone Servicemember
08/30/2023 No
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NC
  • 27540
 Web Servicemember
03/24/2023 No
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • VA
  • 22406
 Web Servicemember
09/29/2022 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 20853
 Phone Older American
10/08/2021 No
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • MD
  • 21234
 Web
02/11/2021 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 20190
 Web
01/09/2020 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 22153
 Web
11/15/2019 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20841
 Referral
08/15/2018 No
  • Debt collection
  • Mortgage debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MD
  • 21014
 Postal mail
02/02/2018 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 20774
 Web
10/27/2017 No
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23238
 Phone
02/16/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • MD
  • 21044
 Web
06/14/2016 No
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 20191
 Web
06/15/2015 No
  • Credit card
  • Delinquent account
  • VA
  • 24441
 Web
01/11/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • DC
  • 20007
 Web
11/26/2014 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 22191
 Referral
10/24/2014 No
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • MD
  • 20706
 Phone
06/02/2014 No
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • DC
  • 20019
 Web
02/11/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20724
 Web