I was contacted today by a "process server." He stated he needed to know if my husband would be home so he could serve him the legal documents filing suit against him. I asked what they were about. Of course he couldn't tell me, but he gave me Capital Filing's phone number, not their name, and a case number.
My husband called them, and they immediately ask for his case number. They don't identify their company. They say corporate office how may I help you? When asked what company they say do you have a case in our office? He gave them the number and then they ran down that he owed approximately $2k in credit card debt and that he had to pay via electronic debit today so that he wouldn't be filed on. He refuses and tells them that they will have to talk to me first since I manage the bank accounts. He takes the guys number and name.
He calls me, and I tell him I will deal with it tomorrow since it is almost 3 and I have to leave shortly. About 3:15-3:20, the man, Timothy, calls my house and asks to speak to me. He gives me the same spiel and tells me he needs to debit my bank account. I tell him no way in h*ll is he getting my bank account when he can't call me from a number that will show up on caller id. It was "unknown caller". I explain that we have received no mail from them nor have we ever heard from them in any way. He promises he is a reputable company and says I can go buy a Green Dot card and pay him that way so he won't have access to my bank account. I explain that there is no way I am doing that either because he still hasn't verified his legitimacy to me. I tell him what I will do is mail him a payment if he'll give me the address.
This brings on new problems.instead of giving me the address, he proceeds to threaten both me and my husband with liens and garnishes. When I tell him, I don't think so buddy I've worked in collections and it is illegal to do that in the state of SC, he proceeds to become rude saying oh yes he can. I ask two more times for an address. He becomes quiet, then puts me on hold claiming he needs to talk with his client. After about 2-3minutes, he comes back on the line and says ok. "Here's how this is going to work. I will send you a stipulation letter in your email. Then once you get that, you'll know we are legitimate." I explain that is simply unacceptable and that he needs to give me an address to mail the payment or that I will simply explain to any judge that he refused payment. He claims the client will only take electronic debit, and that I don't understand. If I don't get this to them on time, my husband will be charged with all of the debt plus $2500 in legal fees.
After this, I finally told him to either give me the address or to stop wasting my time. He finally gives me the address and tells me that I must send it priority mail. Then, he claims he will mail me a receipt of the client receiving the payment. I ask for his email and he says oh you'll see it when you get mine. I said no, I want your email so I can make certain the spam blocker doesn't reject you. He said no, let me talk to my client. He puts me on hold for 2 minutes, comes back, and says "you will receive your stipulation letter by the end of the day and that ends this conversation." THen, he hangs up.
I was in collections before not once but twice. I know the laws in SC, and he just broke a ton of them. First he claimed to be with an attorney's office which guess what, he isn't. Then, he threatens me with wage garnishment which is completely illegal in SC unless it is from the gov't and other liens. Then he refuses to give me an address to mail the payment. THen he refuses to give me his email. So many things didn't add up SO...
I googled this company. THere is No website for them. PLUS I found a report from DemonEyes on here about a company in Corona called National Filing Services. The report was uncannily like what I experienced. I suggest you read both because I swear this is a scam. My husband and I are not aware of any outstanding old debt, nor have we EVER received anything advising us of one. Plus the fact that they wanted a debit card transaction made me very suspicious. Beware!!!
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