Protas, Spivok & Collins, LLC – CFPB Complaint

Date Received: 2017-05-24T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Protas, Spivok and Collins ( PSC ) works for debt collectors, s uch as XXXX XXXX and XXXX XXXX to unethically garnish wages and collect on debts already paid. See online complaints : XXXX XXXX XXXX Report : # XXXX and XXXX XXXX XXXX Report : # XXXX Mine is yet another case of Protas, Spivok and Collins going after a debt already paid. I paid my debt ( for a credit card ) i n XX/XX/XXXX . It is now 13 years later, XX/XX/XXXX . I have documentation that the debt was paid. PSC is not willing to accept it. They put a court order through to garnish my wages at 25 %. I created a motion to vacate judgment … but it takes time. The garnishment will begin before the case can be heard. I contacted my bank to see if I could get an old bank statement or cancelled check, but banks keep their records for 7 years only. They can not go back further than this . PSC knows this ; it is a part of their strategy. Many people shred records after 7-10 years. PSC knows this and counts on this as well. Others who have complained said that PSC came after them 13 years after they paid a debt, just like me. PSC also charges interest on all the supposed years the debt was not paid, so my debt, just like the others who have complained is 3 times the amount of the original debt that was ALREADY PAID. Protas, Spivok and Collins are extortionists and need to be stopped. Too many people ‘s lives and wages are being drained and damaged by their unethical debt collection practices years after records are destroyed.

Company: Protas, Spivok & Collins, LLC

State/Zip: MD 214XX

Company Response to Complaint: Untimely response

Was Company Response Timely: No

See also  Pinnacle Credit Services, LLC - CFPB Complaint 2017-07-19

Did Consumer Dispute Company Response: N/A

Complaint ID: 2493369

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