Yaritzy Cuy
map-marker Eugene, Oregon

Seriously pissed

I was contacted by Unifund about a year ago to collect a debt. Unifund assigned a local attorney to my case and we reached a settlement agreement but not before they filed paperwork to garnish my wages if I defaulted on that agreement. I started making payments then the attorney's office went out of business. They did not send any payments to Unifund. I contacted Unifund who informed me that I would be contacted by a new law firm and not to mail payments directly to them. That was seven months ago. No contact from any new law firm until two days ago informing me that they were going forward with the garnishment. In fact, the garnishment would be for the original debt plus the fees for the prior attorney, plus the new fees for the current attorney, plus interest accrued for the last seven months. They also claimed to have tried to contact me several times by phone and mail. That never happened. Unifund didn't deny advising me to wait for contact, but did say I need to work the issues out with the new attorneys. So, not only is Unifund shady, but the collection attorneys the employ are as well. I have contacted Legal Shield for assistance. I will let you all know how that goes in future posts.
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Loss:
$3000
2 comments
Guest

Hi. I am currently going through with problems with CCR. Did legal shield help?

Guest

Read your post and this sounds exactly like what we have been dealing with. Got a letter today from an attorney, with a very bad reputation, saying that he is now counsel.

Although there were many weird things with the paperwork. I just contacted and attorney in Salem about advise.

Good luck to you. I will keep watching here is you can post what came off your research.

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Joleen Tin
map-marker Los Angeles, California

Judgment Filed without Notification and...

Recently received a "lovely" letter from the County Clerk of Los Angeles regarding a judgment which was filed against me in the amount of $15k on behalf of Unifund CCR Partners. The account in question had been settled last year, I was not "served" with the judgment yet now it is on record. Where do I go from here? Any assistance would be helpful. Do I need to hire an attorney to fight this wrongful garnishment? I cannot believe a company would file a judgment without any notification, how is this legal? I thought I had to be notified the judgement was being filed so I could refute prior to the action?
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Loss:
$15000
1 comment
Guest

I am struggling with dealing with them as well. However I have decided not to take it lying down.

I contacted the California State Barr and it appears that some of the attorneys offices that collect in their behalf have collection representatives that represent themselves as attorneys. I was told this is not legal and the person can be fined. I can also prove that they knew my actual address when they served a rental property and have now hired an attorney to have the judgment set aside. If that doesn't work I will be visiting with another attorney to file charges for the numerous misrepresentations that their attorneys offices have made.

When you deal with them make sure that you put it in writing. Do not allow taped conversations as it can be taken out of context. Be aware they do not always state that you are being recorded. Instead the phone beeps.

Keep all notices and use your cell phone only as it tracks your calls and the time you were called. Print it off each month. If they call you before 8:00 a.m. or after 9:00 p.m.

They can be fined. If they leave messages on voicemail, speak to anyone but yourself, call you at work, they can also be fined. If your lucky they will rack up enough fines to pay off your collection account. Also, Look up the State Bar fine for claiming to be an attorney when you are not one.

You might be amazed. You only have to send a letter to their office to file suit against them. If the debt was not yours and it damaged your credit status you can sue for damages. File a suit, and they will have the burden of proof to prove that the debt was yours.

Most of the time they purchase debt from other companies. Often those companies no longer have your original application. These are just a few things to keep in mind. This company has no ethics and has no concern for the people they deal with.

That being said, the internet is a lovely tool.

Look up the case they have against you, research your credit report. If Unifund is the first creditor that has reported the debt listed, there is a good chance it is not your debt.

Pate Lls
map-marker Rockville, Maryland

Appeal analyst

I like to ask how to you file a complaint on Law firm Peroutka & Peroutka PA, 8028 Ritchie Highway , Suite 300, Pasadena , MD 21122 * 800 *99 2424, fax # 410 768 ****

I have a legal hold on my checking account , from an old credit card . That has been charged off with a tax credit with Citi Card. I am confused as to why this is not considered a junk bond? This has yet to be explained to me .

I am highly irritated , a processor came to my home , under the presumption that he was an officer of the court named " Mr. Green" banging on the door of my home as if he was doing a raid ., I went to file a complaint with the Baltimore County Police Department , and the Maryland State Police because "Mr. Greens" demeanor was inappropriate to say the least . I have called the County Court , to file complaint , to find out that there is no "Mr. Green" employed . I have went to court , was told to pay $400, called Peruke & Peruke was advised by a gentleman named Kevin , that I actually owed more . I offered $400, and was advised that I would hear back by the end of the afternoon, that was in Dec of 2012. I have not had any communication from Kevin. I called again in January of 2013. spoke with Kevin of firm Peruke & Peruke . He advised me that he still has not heard back of acceptance of offer . That he would get back to me again by the end of the day .

I have not heard from Kevin . As of today February 26,2013 I look at my checking account and see that there is a legal hold on my account , with a bank fee of $150.00 . I call Kevin from Peruke & Peruke . Kevin goes through this whole process stating that the court made a petition put a lien on your account . I explained to Kevin , I want hold removed off my account by EOB today . Pay the $449.00 . I want to be reimbursed for the $150.00 because I was waiting to hear from him as to what the outcome is going to be and it is not fair to have me pay a fee to put a hold on my account when I have tried to pay it . Kevin suggest that I make a plea to be to have fee waived . I called M T Bank as of 4.19 pm today spoke with Laurie from legal and was advised that there is still a hold , and they would not waive the fee . Laurie from M& T bank stated that she needed information from attorney’s office . I asked for a direct fax # . I called firm Peruke & Peruke, spoke with Kevin yet again, Kevin is telling me that they need something from the bank . At this point I am beyond frustrated because I am getting the run around from firm Peruke & Peruke, and my bank . I asked to speak to a manager of firm Peruke & Peruke I am given the name of Shawn Kennedy, left Mr. Kennedy a voice message . I have not heard anything and I am being pulled back and forth with my Checking account on hold and have no idea of what to do .

How can an debt collectors office have so much power and ability to treat people this way ? I am totally disgusted . I feel as if I am being treated as if I have convicted a horrendous criminal crime, for a credit card debt over 6 years ago .

The back and forth with this firm and Unifund , the Attorneys firm tries to increase additional funds , stating that there are other charges .

I have forwarded my complaint to the states attorney office and with the Attorney Grievance Commission.

This behavior is lude and unethical . I intend to follow through to the fullest exten of the law

Any assistance in this matter will be greatly appreciated

Thank you in advance

Gay Mitchell

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Loss:
$1000
1 comment
Guest

At a minimum you need to open a new account with a different bank and send current bank a certified letter indicating you will sue them for your account balance if needed and the account is otherwise considered closed.

Anonymous
map-marker Lincoln, Nebraska

GARNISHMENT FROM MY BANK ACCOUNT

COURT ACTION WAS FILED ON A CREDIT CARD BILL ON MY DAD'S WELLS *** BANKING ACCOUNT BECAUSE I WAS ON HIS ACCOUNT WHEN I WAS IN COLLEGE 18 YEARS AGO (1995), I AM 39 YEARS OLD NOW. I FILED BANKRUPTCY IN 2007 AND RECIEVED A CERTIFICATE OF FINAL PAYMENT SEPT 28, 2010 WHICH WAS SUPPOSED TO TAKE CARE OF ALL MY DEPTS.

MY DAD AND MOM ARE ELDERLY AND THIS WAS A TERRIBLE HARDSHIP ON THEM. THE COURT SENT THE CERTIFILED LETTER FOR THE SUMMONS TO THE OLD (18 YEAR OLD) ADDRESS, SO I NEVER GOT IT TO TAKE LEGAL ACTION. THE FIRST I HEARD OF IT WAS WHEN MY DAD CALLED AND SAID THAT MONEY FROM HIS BANK ACCOUNT WAS GARNISHED.

IT IS ALMOST LIKE A SCAM ON THE LANCASTER COUNTY COURT OF WHERE I RESIDE. SHORT POINT IS THAT I NEVER RECIEVED THE SUMMONS SO I COULD TELL MY SIDE OF THE DEBT AND SEE DUE PROCESS.

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Loss:
$1500
Reason of review:
Problems with payment
Anonymous
map-marker Yellowstone National Park, Wyoming

Unknown account 5,000 now 12,168.98

Just found out there was a judgement against me for a little over $5,000 from 1998 was filed in 2010 tried to call to find out what it was about and how to handle it.They were not willing to help they just wanted to inform that it was now up to $12,168.98 and grown each day.I've submitted a claim with Henley Credit Law wanting on response.Don't understand how it can be legal for someone such as I went through a divorce took 2 years lost everything if I owed,but didn't know how someone can obtain the debt and not inform you till you see a judgement against you and make such a big profit from it.If in fact did owe the principle could try to handle the debt,but know its so high it would take the rest of my life to pay off!!!
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2 comments
Guest

You can get the judgment over turn if it was outside the SOL

Guest

1998 to 2010 check your SOL in your state , more than likely you don't own anything...don't call them or pay a thing to them, make no promises to them.

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Anonymous
map-marker Miami, Florida

BANK GARNISHMENT

This *** of a company has garnished my bank account (less than $1000) TWICE in three years. The Florida Constitution states that personal property, INCLUDING bank accounts LESS THAN $1000 are EXEMPT from CONFISCATION BY ANY CREDITOR!!!!! They have yet to provide me with ANY PROOF that I owe this debt! So back to the court house to file my claim of exemption, and my affidavit, and MOTION TO VACATE final judgment at $50 for the filing fee. Are there any lawyers out there who are willing to represent victims of this horrible *** of a company in a CLASS ACTION LAWSUIT?
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1 comment
Guest

Same here :(

Where can I find that in the constitution?

Trevante Nuv
map-marker Silver Spring, Maryland

Unifund CCR Partners Steal people information

Unifund CCR Partners Steal people information. I owed chase $4,500. Now I want to pay back. I called Chase, they said that Unifund buy my acc. They gave me their number. I called them and they said that I owed them $13,000. If I want to setlle pay them back $6,200. I need help. Only 5 months go up over 150%. This steal and steal company. now I can not pay back. If I leave for another 5 months how much it will go up? What can I do? Do I need to file against them? where can I get those information?
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Loss:
$8500
2 comments
Guest

Unifund is what is called a "junk debt buyer". This company bought your account from Chase for pennies on the dollar.

Literally. Say your balance with Chase was $5k...Unfund could have purchased your info for say $20. Also, they don't almost ever have proof of what you owe. Sure they may have your name, address, state you live in even your social security #.

That proves nothing. Don't let that scare you. ;) Anyone can have this info. Don't EVER contact the creditor.

EVER. They record phone calls and it puts you back on the hook for the debt (and can often times reset the SOL -Statue of limitations). If you are sued, answer the summons (look up your states case law on how to answer a summons properly) correctly and on time. It's possible to fight them.

I was sued over just $5k with Assett Acceptance (another junk debt collector) and I showed up at the court house mediation with no lawyer (oh and about 98% of people NEVER show up so they always get an automatic judgement against people and then garnish wages, assetts, ect.) and asked for proof. Wanted proof of contract, proof of statements, ect. Judge ordered them to provide 6 months of statements, contract and signature. THEY DIDN'T HAVE ANY OF IT.

Never did! ;) They know they need this but they almost always get away with it because people never bother to show up in court/answer the summons. For me, my case was dismissed.

;)

It's possible. ;)

Astraea Aqt

Do not make a deal with a third party. Laws are different with third party, the collection agency is a third person.

chase is a first person party. first you need to fine out if the (SOL) ran you may never owe them, there is a certain time they can sue you, if they were going to in the 1st place. depends what type of account, is the 3rd party trying to collect for the 1st party, meaning chase or did they buy entire file from chase. theres so much.

you can email me and i will explain better on a personal note. I'm not selling anything, but collections laws is something I spent years in courts trying to understand and now I keep up with it through state laws, amendments and etc

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Anonymous
map-marker Windsor, Ontario

Unifund Assurance is worthless!

Our basement flooded and it took Unifund 7 months to get our new carpeting. Then months later I get a curtly worded email from Susan Hart asking for proof of repairs. I told her that I could not locate the receipt from the flooring company and that besides the cheque was made out to us AND the flooring company sent from the insurance company. I sent pictures of the new carpeting via email as requested to Susan Hart of Johnson Inc and told her the service was slow and unsatisfactory. So months later again I get a nasty letter on DEC 19TH, just before Christmas stating that the house insurance is terminated and we have 15 days to find a new policy. Terrible service served up with an attitude.
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Anonymous
map-marker Detroit, Michigan

UNIFUND CCR, LLC Cincinnati, Ohio

This collection company is charging interests on debt can't pay! I am trying to settle with this collection company and they keep adding an unfair interest charge to my loan that started out with US Bank of $1,000 and now is ending up to $4,000. If you make payments to them you can't get ahead - they won't settle for a one lump sum. This company is scamming people. Workers very rude. Even during hardship - this collection company is off the charts! May have to file bankruptcy. Very Unhappy. 12-7-2-2012 I am contacting the new stations too.
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Loss:
$4000
cannotdealwith B
map-marker Bellevue, Washington

Unifund CCR has 2 judgements for same thing

Unifund CCR in CA. has gotten 2 judgements for same thing(cases) on same date(08/2009), one for $22k and another for $15k. I was never served, summoned or notified by mail what this is about. I did not even live in CA. when the 2 cases for same thing were filed and went to court. I had no idea this was even going on, and still don't know why? I found out when I checked credit report today. The only thing that I can think of is the I.D. theft that Chase said they would take care of back in 06/2005. What can I do, this is fraud?
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2 comments
Guest

If you were not served you can get the judgement voided and check the SOL the debt may never have been legal to collect or file a judgement on

Guest
reply icon Replying to comment of Guest-788592

Hod do you get a judgement voided?

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Bigbrad F
map-marker Washington, District Of Columbia

J. Louis Kurtzer

I am making the first payment on my judgement today - $50 from my $850 social security payment. The judgement was made by a local Indiana judge against a debt that I had no part of.

I had not even had any further contact with them for many years. The card had proven fraudulent charges and the credit card company had already written off the debt as a loss. The debt was sold several times with multiple years of interst (7years ) without very little documentation except my initial credit card application signature. Mr.

Kurtzer hires top notch local lawyers in $1000 suits who dazzle our local rural legal systems. Obviously these are just numbers to a a debt factory loaded with paralegals doing his work in debt collection. What a far cry from the Law Offices of Abraham Lincoln who protected the poor and unprotected. I personally intend to not become one of his numbers but an actual human being.

I intend to find out as much about Mr. Kurtzer as is humanly possible. At some point I expect that Mr.

Kuntzer will acknowledge me as a real human being whose life is being ruined by him.

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12 comments
Guest

.dear sir your comment started this journey from me about Jamie kurtzer if it hadn't been for you and the pain that you've suffered as well for me to be bold enough to leave and start my story it's because of the story you had in front of mine I'm so sorry that you've been through pain as well all we can do is pray together the Lord said if there's two or three gathered in prayer there I am in the mist I believe that and I pray victory for you too when God has blessed us with our money back I will be honor to pay that debt info for you to pay it forwardJeffrey Kemper 520 304 ****

Guest

please review all comments left by Jeffrey kemper

Guest

hello my name is Jeffrey I have to let you know there was a mistake made when I said revocable it is and has always been an irrevocable trust it didn't come out right on my firstComment this is an irrevocable trust notedpain and suffering for this 13 years has been a challenge it taught us faithfulness to the Lord patiencethe Lord God taught us about peopleand believe it or not this might sound crazy to you but we forgave him with all of our hearts for what he's put her family through many many many many times you can save thousands that's how many times we forgive Jamie we ask the Lord to open up his heart then do the right thing we're still waiting patiently for him to do the right thing god bless everyone Jeffrey Kemper

Guest

hello my name is Jeffrey my father hired this attorney Jamie kurtzer back in 1995 he put all his money into a revocable trust which was set up for me and my brothers millions of dollars my father died 2002 went to Jamie's office to collect our inheritance he had to sign a bunch of papers call him for the next 13 years bullying us and not giving us what my family left for us we turn them in to the Cincinnati Bar Association lo and behold this is crazy they don't believe us so they sent this paperwork back to us that had to do with my mother's estate we had told them about my father's estate which was an irrevocable trust so we got paperwork back on my mother's estate which we didn't even know about he said we got money from that is state he put our homes into a fake tax Ohio Estate form my house my brothers house and my dads house which my dad was still living in until 2001 keep faith these estate papers in 1996 to make it seem like we got money from my mother's estate he said the law gave it to us then he denied being are attorney we got all the trust documents this man has no heart or soul we will not stop until we get justice for Walter H Kemper there's some family members that have died my brother he never got nothing from the trust my poor brother myr brother's son has got severe MS she's only 18 my children are going without we've been going without so long we've been suffering for 13 years my family was rich and Jamie stole all of my money our number is 520 304 **** God bless we are Christian we focus on diverse Isaiah 45chapter it's what keeps us going please pray for us for justice

Guest
reply icon Replying to comment of Guest-1019748

Kemper House Heritage Museum.

Guest

JAmie k of Cincinnati Ohio is a criminal he stole our family's money the Walter H kemper irrevocable trust money we've been asking him for 13 years for millions of dollars we are the kempers what the oldest house in Cincinnati Ohio The kemper log cabin house the first and oldest house in Cincinnati Ohio located in Sharon Woods village the name kemper it's all over Cincinnati that's who we are

Guest

These bounty hunter attorneys need to have there lic. removed, to wrong people for what ever money they can get is wrong and you wonder is this right and should it be legal? What a waist of education and you wonder how they can look their self in the mirror, stick to property law and try being honest, leave poor people alone someday they'll be judged.

Guest

How can a debt collection get a judgement againist you if you have not been served any papers.

Guest

Most people I know want to pay their debts. What they don't like is being defrauded by slick collection agencies.

Guest

Unifund CCR Partners Complaint

I got a letter today in the mail from this company stating that I had defaulted on a debt in May 2010. In actuality, I paid off that debt, and they never sent me the letter stating that it was paid in full, though after the last check cleared I called to double-check that the debt was paid. I was told that it was indeed paid.

Now, almost a year later they are dragging me into court on a judgment. I have all of the cancelled check numbers, and the contract we made with Pollock and Rosen via our lawyer. It looks like they will be hearing from our lawyer again.

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paula G Glv
map-marker Columbus, Ohio

United/Unifund CCR unethical n unjust lawsuits

Imagine you are 2 years from retirement, will have your condo paid off in full in @ 12 months, and you open your paycheck asnd discover that someone has garnished 2 $500 plus amounts out of each of the last 2 checks and you pay your bills on time and add a little more to pay them off early. Your mind races as to what is going on? You investigate it as much as possible when you get off work on Friday. You fiscover that this United alias Unifund CCR company out of Cinncinnatti has sued you. Then you discover it has alreafy been to court and judgement and a lein against your property was issued, and as you discover little information from images on the docket you are listed with a Garfield Construction Company domewhere out of state and theres another image on docket with someone elses name you dont know. It's now too late to call or really find out whats going on.You discover that mailings were supposively delivered to you and ceretified letters as well. Over and over in your mind you go ever every bill, and the only possible solution was when PNC took over National Cit Bank and there were several purchases made from over seas for items that you did not order and the bank put a stop on them. The only other possibility was 1 house payment that was lost and you called Chase and they worked with you and I paid that missing payment over 1-2 years ago. It's 2011, and you discover this Company who in the court docket is lcalled United CCr out of Cincinnattti, and when you google them they are called Unifund CCR. So, that plays into your panic because whoever this company is did not contact or notify you as you read in the court docket. This United or UnifundCCR company who has the exact same address has won a judgement without your knowledge or legal notification. They have a couple bogus companies listed as you..and the State of Ohio Taxation department has a corporation paper with some crazy 6 digit figure on it. Neither of the images in the docket nor case numbers match yours and I am still trying to find out how to appeal this nightmare. I'm a teacxher, educator. I clearly dont run a company called Garfield Construction. I am now short over 1000 bucks in 2 weeks. This "shadey" United or Unifund CCR, as far as I'm concerned just stole that money and garnished it from my employer, they have all my information, and no notice? No phone call? The docket says the judgement stands? The only possible thing it could be are those 2 items I mentioned above. I'm getting a lawyer, and I'm going to go after them for I feel that I was not supplkied any inormation why they garnished my wages? Why wasn't I notified? How can they do that? I pay my bills. I do not run a construction company. I could really use some advice here. If I didnt pay a debt, I would accept the responsibility. Bottom line my debts are paid and I feel I was not notified so that they could take/steal my money with fraudulant cause. If it can happen to me, it can happen to anyone. I'll be contacting my Union at work and hope they can help me out of this nightmare.
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Loss:
$1000
2 comments
paula G Glv

I could use an angel right now to help me get this moving? :cry

paula G Glv

:cry OH..THEY UNITED..OR UNIFUND..WHATEVA BOGUS NAME THEY R USING..HAD MY ADDRESS WRONG..STATES APT N..MAYBE THATS Y I NEVER RECEIVED ANY NOTICE..THIS IS IMMORAL..IM SO FRUSTRATED...IM A GOOD PERSON..N THEY DID THIS SO SHADEY...

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shaundre l
map-marker Oklahoma City, Oklahoma

Midland and unifund ccr in oklahoma

I was a victim of unfair debt collections . I was sued by midland and unifund ccr i filed motion to compell to for them to produce a contract for debt validation and the judge denied it and granted a judgement againgst me is there anything i can do ? they have been garnishing my bank account and threating me with property leins. They send me settlement offers for half the amount. I cant affoord to pay them the interest is 30% which is way too much . I feel like i was treated unfair by the courts and by credit bureas for ruining my credit
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Loss:
$13000
1 comment
Guest

I was told by phone that they were lawyers. When I searched the State data Base for the name I was given, there is no lawyer in the state with his name.

I returned his call and informed him that he was not a lawyer and he said, " oh you must have misunderstood me".

I asked him why he would misrepresent himself as a lawyer, and he tried to go around the subject. This company will say or do anything to do there job, including breaking the law.

Charles B Gjl
map-marker Orlando, Florida

Unifund garanshished my social security over a $ 1800 DEBT

Unifund Garnished my social securiy benefits over a 2003 debt. I called and they couldn't tell who signed the summons to appear( supposedly a substitue).

I never received a date to appear for judgement. Now 8 yrs later I'm without funds to live on. My $1800 debt is now $5,772 without any answers from them. I called to ask about this but the woman I talked to was very rude and answered nothing to help.

Agencys like this should be illegal.

I plan on suing for unlawful practices. My atty says we have a good chance.Pray

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2 comments
Guest

There is no end to the tricks UNIFRAUD has in their pockets - most illegal if you can catch them.

Guest

They are taking it out of your bank account which is not exempt not directly out of your SSA check. I worked for SSA for many years and I know for a fact what you have written is untrue. It against the law and SSA does not do garnishments for credit card debt.

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karen s Ljr
map-marker Louisville, Kentucky

Garnished my paycheck for a credit card that was settled

I am a schol teacher in Kentucky and my employer, JCPS, just received an Order of Wage Garnishment from Unifund CCR Partners. They claim I owe $18,202.44 on an old credit that actually was paid off in a settlement that Chase Bank offered me.

So how do they get by with this type of robbery? I never even received a phone call or written correspondence from this crooked company prior to my employer notifying me of my wages being garnished. They are getting ready to be sued again. I hope their attorney Mr.

Michael Keeney is up for this fight because I am sick of these fly by night companies who prey on what they hope are innocent, weak people thinking they won't put up a fight. WRONG!

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Loss:
$18
3 comments
Guest

"...schol teacher..." ?

:grin

That, I seriously doubt!

Guest

I guess u work for these crooks!

Guest

If u really settled ur debt u would be able to prove it. Face up u have been found and they r making u pay for what u have ran away from for years

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