Law Offices Howard Lee Schiff, P.C. Credit Card Complaint

Law Offices Howard Lee Schiff, P.C. Credit card department,

Maine

I had a credit card with " - - '' which I fell behind on. The total balance was $500.00. This debt was apparently sold to " - - '' who then turned it over to " The Law Offices of - - - '' for collection. - - 's office sent me a letter on -/-/- demanding a total of $800.00 for this bill. Although I am afforded 30 days from my receipt of that letter to dispute the debt I was not allowed to do that as - - 's office filed a small claims suit against me on -/-/-, 18 days after sending me notice of the debt. They then sent me a letter dated -/-/- indicating that " on -/-/- '' I was served with a summons but can still settle the matter " amicably '' by paying their demand. As this is a credit card debt, it is subject to a non-binding arbitration agreement and as such, - - 's office was erroneous in filing a lawsuit. Notwithstanding this error, - - 's office filed this suit within 18 days of notifying me that it had taken over the debt and thus disallowing me the 30 days to which I am entitled to dispute the debt and request proof as the FDCPA affords me. The addition of $300.00 to an alleged $500.00 debt with the above FDCPA violations constitutes multiple unfair debt collection practices as well as abuse of the court system.