I have already filed a report against the bank who started this whole process. I got divorced. We had joint accounts. All banks removed my name from my ex husband's primary accounts except the Household Bank. They refused to do so even after fillling out an affidavit, no exceptions. That is how the matter got to Davis Law Associates. My ex at some point maxed out the credit card and was unable to pay.
Now I am dealing with Davis Law Associates. They would hunt me down, telling me that it is my responsibility to pay - even though I never charged a penny to this credit card, the charges were made around the time of our separation and after the divcorce.
At first I had messages left on my answering machine from Mr. Frank Munoz from Davis Law Associates. Not knowing why they were calling, I returned the call. The guy who sounded exactly like Mr. Munoz answered as Mr. Mike Smith. He was very pushy and unprofessional. When I wanted to hang up he was repeating - "we are not a collecting agency, we are a law firm". So I listened. He wanted to know how I was going to pay "my" debt. He did not want to listen to my explanations, repeatedly asking how I was going to pay my debt - stating I had to pay immediately because "paperwork was already being drafter for a law suit".
Mr. Munoz also assured me that by paying at least "my half" $4,474.00, "I would be released from the obligation and my debt would be finalized". I asked for a formal letter from the firm, I was told after I would pay they would send me an official letter stating I paid my debt and they would collect the second half from my ex husband. I needed few hours to get the money together - they would give me 2 hours to get the money. They called back few hours later asking me for my account info, SS and other info. I refused to give them some of my personal info such as my SS number - Mr. "Smith" stated they had it on the file anyway - that really upset me. I gave him my bank's name and a check number - he had to figure out the rest.
Two days later he called again asking me to call my bank to " verify that the money was there". He would be quietly sitting on the other side while I was giving the bank my personal info. I informed the bank agent upfront that I had a law firm representative on the line (Mr. "Smith" did not like it). I did not have to give the bank agent the whole personal info and the agent just confirmed in general that I had sufficient funds. About two weeks later the money was taken out of my account and I never received anything in writing.
About a month later I had a call from I believe Mr. Davis, who was very polite at first, stating that my ex refused to pay his share so I was responsible for the rest. I could not believe it! Again, he told me that they were preparing a law suit, the paperwork should have been ready that afternoon. I told him that in good faith I paid half of it for it to go away and now they want me to pay more?
He finally gave me some time to get more money - said he would settle for about 2,700.00 instead of 4,475.00 - the remaining debt. Few days later I got a call from "Laura" who was asking me how I was paying "my" debt of $4,475.00. I told her I was not going to pay any more, rather I would consult an attorney first and fo to the court. She changed her attitude as well and asked if I wanted to pay also the court fees? I told her I would speak with an attorney first and than worry about that. I have not heared from them since but it has been only few days. I am sure I will hear from them again.
I have read many other similar stories on this web site and that prompted me to file my own report. I will send them a lettter asking them not to contact me via telephone any more. I want everything in writing. I have not received anything in writing since this whole process started. If anyone else had another piece of advise, I will appreciate it.
0 comments