| 08/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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The collection agency ( Sprechman & XXXX, PA ) is attempting to collect on a non-valid, non-validated and disputed debt within the thirty-day period in direct and blatant violation of FDCPA 809 ( b ) Validation of Debts. Disputed Debts : Summary of Salient Facts : XXXX/XXXX/XXXX : Date of letter by Sprechman & XXXX, P.A. indicating that your office represents XXXX XXXX, XXXX for an account with an alleged delinquency.
XXXX/XXXX/XXXX : Alleged delinquency letter was delivered to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, FL XXXX.
XXXX/XXXX/XXXX : XXXX XXXX mailed letter to XXXX XXXX XXXX advising that collection agency was attempting to collect on a non-valid debt and requesting confirmation that collection agency was would no longer be attempting to collect on this non-valid debt.
XXXX/XXXX/XXXX : Sprechman & XXXX ( as Attorney for Plaintiff XXXX XXXX, XXXX ) filed a Complaint and issued Civil Actions Summons against XXXX XXXX and XXXX XXXX alleging a breached contract with Plaintiff. Both the Complaint was filed and Summons issued ( these both constitute an attempt to collect a debt ) prior to the 30-days in which XXXX XXXX was in receipt of original alleged delinquency letter. It was also filed after the letter sent to - and likely received by - Sprechman & XXXX informing them that they were attempting to collect on a non-valid debt.
XXXX/XXXX/XXXX : XXXX XXXX emailed an electronic version of the letter ( that was originally mailed on XXXX/XXXX/XXXX ) to XXXX XXXX of collection agency per XXXX instructions.
XXXX/XXXX/XXXX : XXXX XXXX was served the Civil Actions Summons at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Serving a Civil Actions Summons is an attempt to collect a debt.
XXXX/XXXX/XXXX : XXXX XXXX received a letter from Sprechman & XXXX informing me that I have been served with a lawsuit and instructions to call the Collection Department. Bottom of letter states, " This is an attempt to collect a debt ... '' Sprechman & XXXX has had many violations of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) Validation of Debts. Disputed Debts, by continuously attempting to collect on a non-valid and disputed debt. The open complaint is a continued and ongoing attempt to collect on this non-valid, unverified and disputed debt.
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| 04/18/2022 |
Yes |
- Debt collection
- Medical 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 |
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On XX/XX/XXXX, I received XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. ) XXXX was botched badly. I am constantly in Hospital with XXXX 's, XXXX 's, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
For almost 2 years I was not aware that XXXX XXXX took out a loan with XXXX XXXX for an amount I think I found out with last mediation from XXXX of XXXX dollars.
I was under the assumption pmts was to be made to XXXX. As per the agreement. I found out in XXXX that this was not the case. I told XXXX XXXX XXXX XXXX, that last time in mediation, but now they are going after my only one car and stated that they would lean it. if i don't pay. I HAD NO KNOLEDGE OF THAT LOAN!!! I DID NOT GIVE PERMISSION FOR THAT LOAN. I HAVE TRIED TO RECTEFY BY MAKING SMALL PMTS SINCE THEY ARE RUINING MY CREDIT!! I tried taking XXXX to court to have the credit charges reversed to XXXX XXXX, but got entered a default judgement, since I was in Hospital and Defendant Attorney gave me a wrong court date. But now XXXX XXXX wants close to XXXX. And I am having severe medical complications due to negligent of XXXX XXXX and XXXX Again.. I thought I had a loan with XXXX. I did not give permission for any other credit Also this is my only car ... ..I had my last one for 10 years with XXXX before I bought another ... Request that car will not be liend. I request that XXXX returns the money charged to that creditor for whatever amount it was ( I do not know, since I never saw the amount. ). And removes those entries from court records and my credit.
XXXX XXXX Yes I gladly give my name to ensure that others can learn from my experience and be more vigilant. I was a victim of greed. I was not aware that credit was taken out on my behalf. I still do not have a copy of that paperwork I signed.. imagen that...
Again.. please help.. I have tried every avenue between the more than XXXX XXXX and endless hospital stays. Request that XXXX XXXX gets refunded by XXXX XXXX, and XXXX XXXX in XXXX XXXX, for my botched XXXX that has cost me my health and my life.
According to Regulation Z, I am protected since I did not give permission for that loan to take place. As I have stated many times to the Attorneys at XXXX & XXXX XXXX FROM XXXX XXXX FL
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| 12/10/2020 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On Thursday, XX/XX/XXXX at approximately XXXXXX/XX/XXXX I made an initial call, in earnest , to Sprechman & Fisher regarding Case No. XXXX to begin discussion for a payment arrangement ...
I spoke to a collector, " Ms. XXXX '', who began the call stating aggressively stating, " BY FEDERAL LAW, THIS IS AN ATTEMPT TO COLLECT A DEBT! '' without providing the FULL Mini-Miranda. Ms. XXXX repeated the statement again stating, " This is an attempt to collect a debt! " ...
In addition, during the conversation, I expressed I wanted to discuss payment arrangements and " Ms. XXXX '' kept talking over me very loudly and extremely aggressively. I shared with " Ms. XXXX '' that the tone of her voice was extremely aggressive/threatening of which I found to be an attempt to control the call via intimidation especially by beginning the incoming call response with " BY FEDERAL LAW.. '' ...
Furthermore, " Ms. XXXX '' advised and attempted to collect an amount of {$19000.00} instead of the Case No XXXX amount of {$7900.00}. I offered a balance in full payment plan of {$50.00} down for XX/XX/XXXX and $ XXXXmonth beginning XX/XX/XXXX towards the Case No XXXX amount of {$7900.00} which was not accepted.
1. Debt collectors are required to give the FULL Mini-Miranda in their initial communication with you.
2. If a third-party debt collection agency or collection attorney contacts you and doesn't give the disclosure, it has violated the Fair Debt Collection Practices Act.
3. Even if you initiate contact with a third-party debt collector, they are still required to read you the Mini-Miranda.
4. " The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. ''
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| 09/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Sprechman & XXXX has made another attempt to collect on a disputed, non-validated personal alleged debt. I have repeatedly requested that they validate the alleged debt. Their reply is that it is a commercial debt, and therefore it is not necessary to validate the debt. This alleged debt was to protect my personal property rights for my primary residence. I did not engage the original law firm ( XXXX and XXXX ) to set up a bed and breakfast. I had a contract to sell my property but because it was proposed that this right would be taken away in my XXXX XXXX XXXX, the sellers canceled the contract. This was for the sale of my personal residence. Had XXXX and XXXX been successful in defending my personal property rights, then I would have been able to sell my primary residence.
In the Fair Debt Collection Practices Act, Section 803. Definitions. ( 5 ) " The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgement. '' Hiring a law firm to protect the sale of my personal household is practically the verbatim definition listed in this Section of the FDCPA. And Sprechman & XXXX 's refusal to validate the disputed alleged debt is a clear violation of the FDCPA.
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| 05/29/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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Web |
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On XX/XX/2016, I was the victim of identity theft, when my brother XXXX XXXX, opened ( 2 ) checking account with XXXX XXXX XXXX XXXX accounting ending in XXXX and XXXX. He attempted to finance a truck and wrote a check to XXXX XXXX XXXX in the amount of {$2500.00} on account No. XXXX which at the time was closed due to account abuse. XXXX XXXX, XXXX guaranteed the check would be paid, they in paid XXXX XXXX. XXXX XXXX XXXX XXXX, as successor in interest to XXXX XXXX XXXX XXXX XXXX seek to recover the {$2500.00} from me by a civil suit seeking damages over {$8000.00}. In late 2016, I notified XXXX XXXX, XXXX, that I am a victim of identity theft and the debt is not mine. XXXX XXXX, XXXX, sold the debt to XXXX XXXX XXXX, XXXX, after I informed them that I was a victim of identity theft.
The XXXX XXXX XXXX Sprechman & Fisher, is the debt collector in this matter and have been notified that the debt is not mine and was fraudently obtained by identity theft. I am now being sued by this company in XXXX County Court XXXX JDC, case No. XXXX. I have filed a police report in this matter and am actively working with the XXXX Police Department, Detective XXXX XXXX, Police Report No. XXXX
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| 10/14/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Collection agency trying to collect the amount of {$1600.00} for XXXX XXXX XXXX XXXX, XXXX ( XXXX ) - attached- below is the letter sent back to the collection agency. XXXX refused to move the case forward while in court taking me with no other choice than agree with a a number to pay. All original fees and expenses was paid and further payments were done during the case, the charges they are claiming is not real.
XXXX actually owns me the amount of {$5000.00} as they are responsible for not defending me on the case after they receive over XXXX pages of receipts and proves of payments made to the mother during the course of child support until my daughter got over XXXX XXXX XXXX - Note : My Daughter actually always lived with me as of this day she still lives here with me- The mother just went to court falsely accused me lying i never paid child support, I did prove with documents and support original files that I paid child support on the times the daughter stayed with the mother.
Attached letter submitted to the agency, further documents as pay stubs and original files are available on request when needed,
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| 11/08/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
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|
Web |
Older American, Servicemember |
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Law firm, Sprechman and XXXX, P/A. did cause to be delivered to complainant without explanation or cover letter, a Waiver of Claim of Exemption form, in an attempt to deceive complainant into waiving a right to claim exemption and request a hearing. Complainant answered with a Claim of Exemption Form. Law firm then filed a motion under oath, denying complainant 's claim of exemption. Complainant then provided law firm with Federal Tax Return, pay stuff, Social Security Benefits letter.
Law firm continued to move forward and filed a claim with the XXXX XXXX XXXX XXXX, and complainant 's employer, XXXX XXXX XXXX XXXX XXXX.
Consumer alleges Law Firm has flagrantly violated Fair Debt Collection Practices Act, 15, U.S.C., 1692 ( e ), A debt collector may not use " any false representations or deceptive means to collect or attempt to collect a debt. ''
|
| 09/30/2016 |
Yes |
- Debt collection
- I do not know
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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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I received a phone call from someone at the XXXX. They stated they were attempting to collect on a judgement from XX/XX/2004 from XXXX. Upon stating that I had no knowledge of this judgement, the individual became irate. He continued to question me on whether or not I knew of the judgement. I stated once again that I was not aware of any judgement against me, especially one XXXX. I stated that I would not be acknowledging any liability of the amount requested without further detail. At this point the individual asked me if I wanted to resolve the issue now. I again stated I would not, and said they should go through the procedures to inform me of the details. The individual then said " oh we will be doing what we have to do ''. I requested his name multiple times and asked that I be mailed the information. The person immediately hung up.
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| 10/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- 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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I Had XXXX XXXX in 2016 had no insurance. I live in XXXX. The XXXX bill alone was over XXXX XXXX dollars. There repayment plan was XXXX dollars a month which I don't have.
I recently received letter from a bill collector representing as a lawyer Sprechman & XXXX PA. Stating I owed {$11000.00} plus interest {$1000.00} ( my Dr does not charge interest ) also my Drs have their own lawyers here in XXXX . This is a collection scam they have negative reviews on their website regarding fraudulent practices. My lawyer indicated to me to file a complaint with FTC.
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| 03/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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I XXXX XXXX, received a court summons for an aleged debt. I have no knowledge of this aleged debt, and would like validity of said debt. There has been multiple FDCPA violations by this company including but not limited to harassing phone calls. An affidavit sign by a third party, that was not present at the time of the aleged transaction was submitted to the courts. This allegation is suspicious and deceptive, and run the risk of damaging my character.
Robinson v WELLNESS CARE CREDIT LLC CASE # 0:2022CV60460 ORDER OF DISMISSAL
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| 02/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Began receiving notifications from an attorney in XXXX about a debt incurred by someone with the same name as mine. Contacted the attorney by phone and the head of the collection department acknowledged it was a different person they were seeking. Affidavit 's continue to be mailed to me and served in person. Despite numerous phone calls to the attorneys they continued to contact me by mail. Found a court case registered in XXXX XXXX with my name listed.
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| 02/21/2023 |
Yes |
- Debt collection
- Other debt
|
- 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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| 01/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
|
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| 03/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
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| 04/06/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
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Web |
|
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| 07/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
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Web |
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| 06/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Phone |
Servicemember |
|
|
| 02/01/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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|
| 11/25/2014 |
No |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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|
| 10/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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|
| 07/07/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
Older American, Servicemember |
|
|
| 03/30/2014 |
Yes |
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
Servicemember |
|
|
| 02/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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|
| 11/14/2013 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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|
| 09/06/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
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Referral |
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