For a couple of years now we have had a problem with our local collection agency, PROFESSIONAL FINANCE. Yes we have past debts, most are medical and I stay home with our children and my husband is self employed. I was working for a brief time and had agreed upon payment arrangements and took a payment in one day. I was a little short, $2.75 to be exact and the lady refused payment. I told her it was all I had and she became very hostile with me. I became very upset and left.
Since then they have taken out a judgement on us with the courts and at one time lied to me about what my rights were. This was a scare tactic obviously but since I was unaware of the laws I could not argue my point. Because the judgement had already been entered and they had lied it was past the deadline for me to act on our behalf after reading about collection laws.
As it is now the judgement is still there and we are refusing to work with them as they have refused more than one payment, garnished wages (when I was working) and harrassed us horribly.
I am in the process of trying to get many of the old debts dropped as they are past 7 years. If anyone has had a bad experience with them please let others know and if you have any advice please let me know. Thank you
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