| 01/05/2022 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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To the best of my recollection : XX/XX/XXXX - following a near fatal medical complication I was unable to work. I was forced to give up my career, apartment and life in XXXX and return to XXXX to live with my parents at first until I was cleared to return to work. I was on XXXX at the time and my loans were deferred.
XX/XX/XXXX - cleared to return to work, took a job in XXXX, XXXX and moved into an apartment there, began repayment of student loans when I was able to do so, but was not making nearly enough monthly to cover loans let alone cover loans and live. Paperwork was completed for all loan servicers regarding XXXX and financial status.
Following move to XXXX and moderate financial stabilization I reengaged in repayment of all federal and private student loans ; however I did not recall ever having a student loan with XXXX and was not paying.
XXXX was not the originator of the loan, in fact they were the XXXX company to " purchase '' the loan, which is from medical school.
XXXX cleared to return to practice of Medicine and found position in CT XX/XX/XXXX moved to CT and about a year after move to CT started receiving mail, faxes and phone calls at the practice where I was working from representative of XXXX XXXX I Loans were placed on autopay but I had to mail a physical check to XXXX monthly. I never received any information, online support and got no balance information. I lived in house at XXXX XXXX XXXX from the time I arrived in CT until XX/XX/XXXX when I moved to XXXX. ALL other student loan service companies updated my address by me chaning it online, but that was unavailable at the time at of the move. XXXX claims to have sent letters, but they were still sending the information to my old address in XXXX.
My next contact with XXXX was a fax to my old office ( where I no longer worked ) announcing that they had obtained a judgement agains me in PA court. I was assigned to XXXX law firm and " PA debt collectors '' to pay down the judgement. There was nothing I could do at the time. Originally, they attempted to collected {$1000.00} as month but I said I could not afford that. What was subsequently taken was {$500.00} for nearly XXXX years. I NEVER received a single piece of main, balance, statement, etc. from XXXX law firm despite multiple attempts and requests. I was entirely ignored until I did what I thought might be effect and ensured that they wouldn't be able to college the autopay. I was call less than XXXX hours later demanding payment in full, threatening to go back to court, and when I asked for the documents I ask for for year but received I was told no. I said I wouldn't pay a dime until I knew I wasn't paying too much/more than owed. I left multiple messages which went unreturned with XXXX law firm. I have never met a single person works in that firm. I emailed and faxed multiple times, in a similar fashion to their scare tactics.
I told XXXX I wouldn't pay unless provided the information and never was provided that information until the XXXX of XX/XX/XXXX. The paperwork provided still has no balance information, is inconsistent with the monthly withdrawal terms and has the WRONG ADDRESS AGAIN which is either poorly kept records, or simply their tactic to use in court. ( copy can be provided ).
I have no idea how to make a payment aside from the phone, where I chose not to do, but requested enveloped from the company and got non.
I worked very hard to come back from a life threatening illness which cost me a prestigious position at a gigantic academic medical school/hospital in XXXX as well as my apartment and friends. I was able to purchase a house and have made great strides in 6 years. XXXX law firm is viciously preditory, disorganized and treats the individual they are assigned collect from.
I received an email the next day with documentation of the judgement that was obtained without my knowledge but stands today and an excel spread sheet of every payment I made. I NEVER missed a monthly payment through the COVID pandemic. I was NEVER provided any information on how I should deal with financial hardships during the pandemic. I have XXXX large federal loan which was immediately placed on hold and remains on hold until XX/XX/XXXX. I am prepared to begin payment again when required. When the payment was missed due to insufficient funds in my checking account, partially because I figured it would be the only way to get someone from their office to return a call, which is was, I was never asked if I had been impacted by COVID. I was threatened to be taken back to court two days after missing one payment in 4 years, which a global pandemic was worsening and in fact, my position was eliminated and I will be unemployed as of XX/XX/XXXX unless I am hired elsewhere. XXXX, nor the individual who emailed later, inquired about such matters because they have a judgement that, quite honestly, they never would have gotten had I been in court and been able to explain my side of the situation ( illness, ways I had works hard on financial stability, XXXX illegal tactics of sending documents to inappropriate addresses )
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| 05/09/2023 |
Yes |
- Debt collection
- I do not know
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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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Hello, My name is XXXX XXXX and my account was garnished/levy by Tsarouhis Credit Collectors/Law Group with papers that were not signed by a judge and that they reported was on a debt of XXXX years old for which they reported I was sued in court XXXXyears ago. This is how it began, I received on XX/XX/XXXX a phone notification from my XXXX account that I was overdrawn for {$32.00}, XXXX. At the time I had {$910.00} in the bank for household bills. I contacted the bank who told me that my account had been garnished and gave me a number to call which turned out to be a debt collector. This was a surprise because I pay my bills. The person who answered the telephone was a XXXX XXXX. He would not let me inquirer to the charges he said, I owed him. XXXX stated that the debt was made in XXXX and that judgement was set against me in XXXX when I went to court. I never went to court for a collection debt. I asked, XXXX who the originator of the debt was suppose to be and he told me XXXX. I said that I did not know this creditor for which appeared to anger XXXX. He gave me a few other names and became belligerent when I attempted to better understand what he was saying. The information I told him that was given was not my debt and if it was mine then they would have contacted me sooner than XXXXyears later. XXXX started hollering at me and I hung up. I called the bank again the next day and the bank told me that they were connecting me to the right department that handled my account. Me believing that it was a XXXX agent gave them my social security number, birthdate, and other identifying information. I discover that it was the collection agency Tsarouhis Credit Collection and Law Group. A young lady there was just as surprised with what the XXXX agent was doing. She attempted to find the originator of the debt and the court order for which she said she would mail me. I told the young lady and XXXX that my identity had been hacked years ago and that this is not my debt. Neither cared to listen. I called XXXX XXXX back and asked them to send me a copy of the court order that was used to garnish my account they sent me unsigned legal papers with an unidentifiable government seal on it. I canted a credit advocate XXXX XXXX who informed me that this behavior was unlawful. XXXX told me that the statue of limitation on such a debt had run out and that Pennsylvania was an exempt state for garnishment. I told XXXX that this was not my debt. She told me to right the Tsarouhis Credit Collection and Law group about their error. I sent two letters to them one on XX/XX/XXXX and the other on XX/XX/XXXX. I also sent a letter to XXXX in response to them garnishing my son 's account and did not here back from either. The letters stated that it was not my debt and that their actions of garnishment/levy was illegal and to return my money in 5 days or I would contact the FTC. There was no response until this morning XX/XX/XXXX when XXXX locked my son and I out of the account. XXXX 's actions were negligent in not seeing that a judge had never signed the papers that was used to cause me so much pain all of this around the one year XXXX XXXX of my nephew. My job is hectic enough without people attempting to scam money out of me can you please help me. get my money back. I have a lot on my plate. I attach the paperwork that was given to me by the Tsarouhis Credit Collection/Law Group and XXXX XXXX in which my account was garnished. Nowhere do I see a legal signature but they are allowed to misrepresent themselves.
What would you like the business to do to resolve your complaint?
To stop their unlawful attempt to collect a debt that is not mine for which the statue of limitation has run out on, for which they garnished my account which I was told was illegal in the state of Pennsylvania by consumer advocate XXXX XXXX and your site. To refund all charges and fees against me due to their garnishment as advised by the consumer advocate. I notified the Attorney General who reported that they could not help even though there are court orders not signed and the fact that they had my bank pay them {$430.00} instead of the {$32000.00}.
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| 03/28/2023 |
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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I have been trying to fix my credit and settle old debts. When I contacted the company that previously had this account, they advised me that they no longer had the account and that I had to now contact Tsarouhis Law Group. I got in contact with them to try to settle the debt which is old and figured they'd offer me a decent, manageable amount. The debt is originally from XXXX on XX/XX/XXXX. The last payment was made on XX/XX/XXXX. The amount owed is {$11.00}, XXXX. They offered me a settlement of about 80 % of the balance due which would be more than {$8000.00}. I told them that I do not have money like that. Then they offered monthly payments for the entire amount due. They said they would email me papers outlining the settlement offer. What they sent was some legal paperwork for me to sign admitting that I want a judgement against myself to be entered. I didn't receive any legal paperwork before so why would they send me this and why would I agree to this. In the past, when I have made a settlement on old debt it was for a much, much lower amount and I just received a letter from the company stating that the matter was considered settled. I called to ask about all the legal paperwork and they said there's a judgement that will be there against me. Then today they sent an email stating that if I did not make an initial payment that they are proceeding with legal action and the judgement. I don't know anything about a legal case or a judgement.
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| 03/23/2020 |
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 was sick with XXXX XXXX XXXX a few years ago. During that time I was away seeking treatment. After months of being away I come to find someone that had rented from me had taken my account numbers and information. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved.
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| 02/16/2016 |
No |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have been sued by XXXX on behalf of XXXX XXXX. He has not provided correct and accurate documentation especially with regard to what the charges on the card were for and when they were incurred. I have fought this every step of the way but to no avail. He now is asking the local court for an arbitration but what I do n't know.
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| 07/26/2023 |
Yes |
- Debt collection
- Auto 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 |
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Tsarouhis Law Group went and put a garshment on my bank account knowing that I only get social security XXXX.
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| 01/26/2023 |
Yes |
- Debt collection
- Credit card debt
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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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| 04/10/2022 |
No |
- 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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| 12/09/2019 |
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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| 09/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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