Arnold Scott Harris, P.C. Debt Collection Complaint

Arnold Scott Harris, P.C. Debt collection department,

Other (phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Iowa

Collection Agency is attempting to collect a debt on a camera issued speeding violation that occurred on Interstate - in - -, IA in - of 2014, which the details of the violation are inconsistant with Chapters - and Chapters - code of Iowa - the type of penalty ( criminal or civil ) for scheduled moving violations and who they are levied against ( owner or driver ) and the fine amount itself is not compliant with the scheduled fine structure outlined in Chapter - Code of Iowa, contradicting state law and therefore is legally uncollectable. Iowa law states the driver of a motor vehicle commits a simple misdemeanor which is punishible by a scheduled fine including a surcharge, and sentenced by a sitting judge in a criminal court setting. The collection agency is treating this as a civil debt against me as the owner of the vehicle. Iowa state law does not provide any penalty whatsoever to the owner of a vehicle that is involved in a speeding violation, making this debt not legally collectable. Further more I have never been ordered to pay the amount due in any type of court ordered judgement, nor have I signed any contract nor agreed to be bound by any terms of the collection agency or the original creditor. The collection agency is illegally reporting this debt on my credit report in violation of the Fair credit reporting act ( permissible purpose ) and even attempting to collect the debt in the - place is violation of the Fair Debt collection practices act by misrepresenting the legal status of a debt.