CFPB Complaint

Law Office of Michael J. Scott, PC – CFPB Complaint

Consumer Complaint Submission

Date Received: 2017-08-23T00:00:00

Product: Credit card debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: My name is XXXX XXXX. In XX/XX/XXXX I became unemployed because of a XXXX XXXX. I suffered another XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX was the last date I made ANY payments on any credit cards that I had at that time. According to the Texas Attorney Generals Office, in the State of Texas the Statute of Limitations on credit card collection is Four ( 4 ) years from the last payment made. Therefore, this debt that I am referring to, has not been able to be collected since XX/XX/XXXX.

In the fall of XX/XX/XXXX, I received a letter from Scott and Associates, located in XXXX, Texas. They said in that letter that if I did not pay the amount owed, ( there was no amount listed ) within 45 days they would be forced to file suit against me with the Clerk of Court for XXXX, XXXX XXXX of XXXX. I contacted them and informed them that I no longer owed this debt as the SOL had expired the year before, and furthermore I did not live in XXXX XXXX. A couple of weeks later, I received another threatening letter from them. Once again, saying that I had 45 days to pay or a suit would be filed against me. I contacted the Clerk of Court for XXXX XXXX, even though I live in XXXX XXXX, and was told to ignore it. They told me this because of past dealing with Scott and Associates, that they were notorious for using threatening tactics. I never heard from Scott and Associates again.

Now, this year, XX/XX/XXXX, seven years since I last heard from them, they are once again sending me letters stating that I have 45 days to respond and pay, ( once again, no amount is listed ) or they will file suit against me with the Clerk of Court for XXXX XXXX Texas. Again they have the wrong XXXX as I live in XXXX XXXX. This time they enclosed a copy of the letter that they sent to the Clerk of Court and I have the Attorney of records, name XXXX XXXX XXXX Texas Bar Number XXXX Admitted to the bar in Texas on XX/XX/XXXX The law firm who continues to harass me with these letters is : Scott and Associates XXXX XXXX XXXX XXXX, Texas XXXX XXXX I contacted XXXX XXXX on XX/XX/XXXX and explained to her that the SOL had expired on this debt and that it was no longer able to be collected. She told me, and I quote, ” I ‘ve never heard of a Statute of Limitations. All debts can be collected until payment is made. ” I also sent them a certified letter stating the above information. I never heard from them again, either by mail or by phone so I thought the problem was over Today, XX/XX/XXXX I once again received a letter from Scott and Associates, with XXXX XXXX XXXX listed as the attorney for the Plaintiff. Once again, stating that they would file XXXX XXXX me with the Clerk of Court in XXXX XXXX Texas within 45 days. In this letter it states : XXXX XXXX XXXX XXXX XXXX XXXX, Cause Number XXXX, in the XXXX XXXX, XXXX XXXX Place XXXX XXXX XXXX. Once again, I do not live in XXXX XXXX.

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I have been on the Internet and have read one consumer complaint after another about this law firm and how they totally disregard each States Statute of Limitations regarding collection of credit card debt. They use harassment, both with phone calls and letters.

Thank you XXXX XXXX

Company: Law Office of Michael J. Scott, PC

State/Zip: TX 756XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2644188

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