Date Received: 2018-01-16T00:00:00
Product: Other debt
Issue: Took or threatened to take negative or legal action
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I financed furniture through XXXX XXXX XXXX financier XXXX XXXX. Shortly after getting the furniture, I was put on XXXX XXXX XXXX for 6 months. That was the first time I attempted to contact them to make alternate payment arrangements as I was not receiving a full salary. Upon returning to work, I was intermittently on unemployment due to my employer doing a complete restructure of my job site. I, again contacted XXXX to advise them of the situation and make payment arrangements. They advised me that they do not make arrangements and would not be willing to make any arrangements. Auto drafts from my account were being done by the company throughout this period however they stopped taking the payments after XX/XX/XXXX. In the interim, I contacted them again to set up arrangements to remove late payments and get my account in good standing, however the company refused to provide any payment arrangements. Since then, they have placed this account for collections with JJ Marshall. I sent JJ Marshall a letter via certified mail asking for validation of the account. This letter was sent out on XX/XX/XXXX. While I have not received a response to this date, I can confirm that the letter was received on XX/XX/XXXX. USPS tracking number for the letter sent to the Collection agency is XXXX. Today on XX/XX/XXXX, I got notification that they attempted to serve me with lawsuit papers. I have yet to receive any information directly from the creditor, however they have removed the collection from my credit report. I am filing a complaint because the account is no longer listed as being held by the company attempting to sue me ; a company that has not responded to my written request for supporting documentation ; and the original creditor refused to provide we with any comparable solutions for repayment of the original loan amount.
Company: J J Marshall & Associates, Inc
State/Zip: MI 482XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2783536
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