Law Office of Michael J. Scott, PC Credit Card Complaint

Law Office of Michael J. Scott, PC Credit card department,

Customer service / Customer relations Texas

Due to divorce and child support, I fell behind on payment to Bank - - - -. I moved out - to dramatically reduce my cost of living. I agreed to resume payments to Bank - - card services and began making payments under a Repayment Plan. Even though I was paying, they referred to a collection attorney who filed suit - even though I made payments per the repayment plan. They successfully got a judgment because I was traveling for work and unable to appear. I agreed to a stipulation and began ACH payments at the same amount as the repayment plan. The plan was fixed and no additional interest would be charged. I never missed - and paid down the debt by over $4000.00. I moved - for a better job and increased income. Unbeknownst to me, - - - fired the original law firm so my ACH payments stopped. I did not realize right away because I had a dedicated account just for this payment. No notice was provided. After several months I realized they stopped drafting payments, I called the original collection attorney. They could not help me. After 30+ days, I found out they lost


They could not help me. I received a notice in the mail from -, - - -- that they recorded a Domestication of Foreign judgment in - -. No one ever notified me. The person I originally dealt with, a male ... - or something like that, yelled at me, threatened to attach my wages and bank accounts, that I needed to stop being a scumbag and pay up. He said that the Domestication of Foreign Judgment does not require I be notified. I told him I was able to get the money to pay in full but I needed written confirmation of the debt amount and that the judgments - would be removed. After months and months of arguing with him, he demanded $ -. The original debt was just shy of $ - and the stipulated judgment - said no additional interest or fees. - said I needed to pay the court costs - plus penalty interest. I argued again and supplied documentation that I owed $10000.00. He said he would have to contact the client. This went on for months. I finally spoke with a woman and paralegal, again I am not sure of her name, but she was better. After a few weeks she confirmed that I owed $10000.00, which included a little over $300.00 in court costs. It took a couple of weeks to get the settlement terms squared away - -, - - -, - would accept the full payment to satisfy the debt, they would file the necessary paperwork with the courts - to remove the judgments and notify their client of full payment. I assumed this was done. I received an acknowledgment letter on - -, - from the law firm that they received an accepted my payment. The attorney failed to perform recording the requisite satisfaction of judgments. Trying to buy a new home, this came up and looked like it would disqualify me. I called - - - and tracked someone down. I had to fax a letter to - -, which in turn got someone from - - - to call me. They agreed to have the law firm record the judgments and fix my credit rating pursuant to their letter dated - -, -. Again, they failed to perform. As of today, my credit is not fixed and - judgments remain recorded and in full force. I received a letter to appear in - - - - - before -/-/-. I spoke with - - - yesterday - and was told it 's with legal. I have to take time off work to go to court for their error.This is extraordinarily punitive when I performed as agreed.