Ray Klein, Inc. Debt Collection Complaint

Ray Klein, Inc. Debt collection department,

I do not know Taking/threatening an illegal action Attempted to/Collected exempt funds Oregon

I called this company to pay a doctor bill I had misplaced and told by the doctors HR office, had been sent to collections. I paid the debt owed plus - cent interest. I was interrupted during this transaction by the representative who wanted to discuss some other outrageous unknown debt. I told her I was calling to pay the doctor bill I owed. about a week or two later I found a letter in my mailbox telling me I was going to be garnished for a debt that was not identified, and that I would be paying the collection company an additional $ - per a court order dated -/-/-, filed -/-/-. I called the courthouse records dept. and they did not know who the debt was for since it was so old they only had the origination date of -/-/- but no creditor information.. the letter also informed me my bank had been sent a garnishment letter. I called my bank and was told there was no letter, however 3 days later this collection company took -cents out of my savings account which was all I had in it. I called my bank and asked why they had


because they are auto deposited into checking which is why this collection company took my -cents. I did not receive a certified letter or served in person. I was not sent a letter asking about this debt and explaining who and what it was for previous to the garnishment letter. I have never received anything about this debt filed 6 years ago. even when I was employed at the same employer for 21 years. I have not received letters or calls previous to this action. they took information I gave them for a valid debt with my doctor and used it to threaten me with garnishment. fortunately I have my banking with a credit union that values their members and they were not pleased by this action either and assured me they would let me know if this was attempted again. I sent a challenge letter to the collection agency asking for the name and contact of the original debt supposedly owed but have not received a response.this debt is over 6 years old, never served to me although I have lived here for 3 years and at my previous address for 4 years and have been employed by - for over 20 years, - -/-/-. now on social security they mail me a letter in an envelope not identified as a professional agency using information I freely gave them for another matter altogether and threatening my security by trying to garnish my very limited income without any prior warning. I have obtained legal advice because this debt should be past the SOL and also because the original amount seems to be $340.00 and they want close to $1000.00. It is apparent they made no prior effort to contact me and just took information I gave them in good faith for a debt I truly owed in error by thinking I had already paid it and actually I am going to double check that because I think I paid it twice. In any case that is what happened and I am suffering undue - wondering if they will keep bothering me about something that, if valid, should have been presented to me in -/-/- before filing with the court for $340.00 owed to an unknown party. I have had the same phone, had the same job and my address was never unavailable. It was an underhanded and behind the back move I believe, to try to garnish my bank account after I paid the $30.00 in good faith and never received any further information regarding any other debts I may have or had with them. I am very upset.it is very unprofessional behavior on the part of the collection agency and still is since I am still unaware of who the $340.00 was owed to 6 yrs. ago.