Rubin & Rothman are legal terrorists, without honor or shame.
My wife owed about $1,800, including interest, on a bad Capital One credit card from before our marriage.in December after Rubin & Rothman got judgment against her, they entered into an agreement where we had to pay $300 down and $100 for the next six months, with the monthly payment to be renegotiated at that point.
This was not done calmly. Rubin & Rothman's first representative screamed over the phone at my wife, repeatedly threatened to "destroy" her, told my wife that she — the rep — owned a nice house in the Hamptons and paid her bills promptly, and that she should NEVER BE CONSIDERED A BILL COLLECTOR.
We thought of making a complaint against Rubin & Rothman's tactics, to the point where I even had a letter written to the local bar association, but we decided not to rock the boat. It was a decision I regreted.
We made the payments on time and after $900 had been paid Rubin & Rothman wanted to raise the monthly payment to $150 but settled for $125. So, for the next five months, $125 was paid.
That's a total of $1,625 after one year.
So, I checked my bank account yesterday by automated phone and learned that Rubin & Rothman FROZE MY ACCOUNT with a legal restraint because they wanted to make sure they got their December payment in time. There was no notice, no warning, nothing.
And they did not freeze it for the amount they claimed is still due $500, but for the $1,229 originally listed in the judgment.By law, my bank had to double it — so I now was in the hole $2,500.
Mind you, we HAVE NOT MISSED A PAYMENT. It might be in a week later than the agreed-on 20th of each month, at most, but not one was missed.
My wife talked to Rubin & Rothman today and the law firm said it would lift the legal restraint if my wife made the December payment of $137 today. Of course, it's a little hard to do this if the account is frozen, but Rubin & Rothman does not care.
We will find the money somehow to lift the freeze, but it burns me to think they would resort to this kind of tactic in order to ensure they get their monthly pound of flesh.
If they had only called and notified us they would do this, I would have made sure they got their payment immediately.
I don't understand this. You live up to the agreement, make every payment, show all the good faith in the world and they freeze your account one week before Christmas, just to make sure they get this month's payment.
It is horrible.
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