I am going through a mess with Midland Funding on an old FCNB account that there was no activity on since 2. It was turned over to Jerold Kaplan Law Offices. As soon as I received letters, I called and my mistake, made payment arrangements. I requested a settlement, which I was told it was too late for. I was then assured everything would be ok since I had contacted them. Then I received papers from the court a month later about a default judgement being entered against me, even though I had made payment arrangements.
Again, I contacted the courts and the law offices and was told as long as I stuck to my arrangements, I would be fine. Now, I have never had to deal with anything like this before, so in my naivity, I took their word for it. Now, this card was originally a $250 card, which was up to $1075 due to interest and late fees, so I'm told. Then they tacked on about $500 in lawyer fees, etc. I made payments of $269 in January, $600 in Feb, and the remaining $700 plus dollars in March.
The same day I make the last payment, I get a call ON MY CELL PHONE, which I specifically told them NOT to call anymore, telling me they want $700 more dollars! I call and speak to a supervisor who apologizes, and then offers me a settlement for $460. Well, hello? I asked for a settlement in January and was told it wasn't offered, but now that I've already paid you more than $800 you're willing to give me one?
Immediately, I stop payment on the last check, and go to the courthouse to file a motion to dismiss the judgement, to which they have 10 business days to respond to. I get a letter in the mail today stating they have now filed to garnish my wages, and have already served my employer! Wtf?!?!?! Don't they even have to acknowledge or respond to my motion to dismiss before they can proceed with this? Anyone have any suggestions or advice? I was not unwilling to pay, as I had already paid more than half of the balance they requested, but now I feel like they are just vultures trying to get whatever they want. And the so called supervisor I spoke to there, Shannon, and the representative Sonia Diaz, were both particularly nasty to me.
0 comments