I owed a debt and Eskanos reps would actually yell at me on the phone and make threats. Therafter, they filed a Complaint against me but didn't serve it on it me properly or timely. I believe they were trying to get an unconstested default judgement against me. So, they submit proofs of service claiming I was personally served with the Complaint when in fact I were not. I challenged them by filing a Motion to Quash. I won. They submitted a false proof of service giving a date and time I was personally served. I contacted Eskanos to tell them I was never served and I was yelled at and even told by a rep that the process server heard me in my apartment and that I avoided service.in fact, I was out of the state and couldn't have been served personally as they claimed. I submitted my airline ticket receipts and hotel receipts to the court.
I came to a settlement with Eskanos a few months later. Then, another year later — while I'm paying the debt, I request they negotiate settlement with me. They offer less than 1% settlement. An insider told me that b/c I requested a settlement they assumed I had money and therefore didn't want to deal — I didn't have money. Despite the fact that I was making timely payments, the insider told me that he was instructed to find a loophole in my settlement agreement so they could further harass me by putting a lien on my home. Either he was telling me the truth or he was part of the scare tactics to get me to pay the debt faster. Either way it's wrong.
In addition, every month I would get different monthly statements. Despite paying more than the minimum payments I would receive statements claiming I owed way more than I did. It got to the point where absolutely everything I did with them required it be in writing b/c they couldn't be trusted to do anything or be honorable. Just before paying off the debt I requested final audits. They would delay so that the interest could build. I had to send multiple letters and make calls in order to get my account straightened out and the amounts I owed covered.
I paid off the full debt and am now investigating what claims I can bring against them with the State Bar, FTC and any other agency that can help.
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