Blitt and Gaines, P.C. Debt Collection Complaint

Blitt and Gaines, P.C. Debt collection department,

Credit card Communication tactics Threatened to take legal action Illinois

-/-/-, I was paying $ -/month during my unemployment period on a credit card. I received a telephone call from a debt collection lawyer stating that full payment was required. I acknowledged that this debt was owed however, that I could not pay the full amount but could make monthly payments of $50.00. I was requested to send a hardship letter which I obliged. ( I sent the representative all types of personal information ). I was told to follow-up. When I called to talk to the representative, I told her I called to find out the status and was told to pay - of the debt. I informed my representative that I was unemployed and could not make that commitment. However, I could continue to make monthly payments of $50.00. Then she said she needed $500.00 or legal proceeds would begin. I pleaded with her to continue the $ -/month payments. She told me " go ahead and pay $50.00 but it will not stop legal proceedings. '' I asked her what the purpose of the hardship information was, which she did not acknowledge. On -/-/-, I received a summons to appear in court on -/-/-. I appeared in


Agreement '' on -/-/- from - County Court in the amount of -. On -/-/-, I received a telephone call from the Collection Agent Attorney telling me that I have not made any payments. I informed them that I was driving and needed to get home to get all my records and call back. This caller was very rude. I told her she was incorrect. She told me she was " NOT GOING TO ARGUE WITH ME ''. I was in a panic because I never missed a payment in 3 years and was never late. Upon calling them back, I informed them that payments were made every month. They acknowledged that this was correct and did not offer any apology or for causing me any distress. However, to my disbelief, I was informed that the amount now due was $13000.00. I asked why this has increased rather than decreased due to it being a judgment. She told me that there is interest of $2.00 daily. So as of -, it increased $2900.00. My payments of $50.00 are not decreasing this debt. It only continues to rise and will never decrease. I plead to your Bureau to take a serious look into the practice of this agency. I am providng documentation for you in an attempt to help your investigation. I have all dates documented along with telephone calls. I would be happy to answer any questions or provide any other information that you may have.