My wages are being garished on a credit card debt without notification for an amount that i do not owe. I was harrassed, threatened and treated unfairly. They put a levy on exempt funds for which i had proof. I explained that there was no way that i could have owed that amount which was close to $4,000.00. My credit limit was only for $1,000.00 on a providian visa unsecured credit card. The last payment that i made on this account was january because i was out on disability. I called to have the card cancelled february because it was stolen. I used to pay may bills ahead of time until i went out on disability from 2004 and when i found another job i started out working part time and slowly went to 32 hours per week.
I told them that i disputed the amount of the debt. It was highly impossible. I asked to see the original contract. They said no. They said i was a dead beat, idiot, stupid and what kind of life was i living to have a bill that high. I told them that if i could afford to pay everyone that i would pay everyone at the same time.
They totally ignored the statues of limitations in new york state. They never tried to contact me before. They refused to send me the orginal signed contract or any other contract that someone could have put in my name when the card was stolen. Needless to say the credit limit was only $1,000 and i did cancel the card.
I asked to speak to a supervisor and she really acted worse.
They stopped calling around january after i showed them proof of everything.
I recently found out that my wages have been garnished since 10/11. I received no notification in any form. My wages were already being garnished by another firm. I knew that i must have paid them of already so when i checked with human resources i found out that there was a garnishment from cohen and slamowitz for about $4,000. And they have already taken $1042.02
I really didn't know anything about the fair debt collections policy at that time. They refused to work with me. They were really mean to me.
I do not owe that amount. I do not owe them that amount and i will fight to have this dismissed. I feel that a fair settlement is for me to pay absolutely no more than $1200.00. They already have taken as 2/7 $1,042.02. Which would leave me to pay $157.98.
I'm not trying to get out of paying any bills. I live pay check to pay check. I have no assets, i don't own a home, i have no car, i have 2 children to care for and i have no man, plus my work hours are constantly being cut. I have a lot of bills that i'm trying to pay. I tried to explain this to the firm at cohen and slamowictz.
I will be sending a copy of this to they new york state attorney general and the fair debt collection.
Crystal
schenectady, new york
U.S.A.
0 comments