Debt collection -- Communication tactics -- Complaint #17875218
Complaint Overview
Complaint ID: 17875218
Company: Ragan & Ragan, Pc
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Used obscene, profane, or other abusive language
State: Georgia
ZIP Code: 30016
Date Received: 2025-11-16T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Ragan & Ragan Law Firm is attempting to collect a debt allegedly purchased from XXXX without providing any proof that they own the debt, without providing a copy of any judgment, and without validating the debt when requested. They previously garnished my wages years ago, and they are now threatening new garnishment again. I am disputing the debt. They have not provided a judgment or proof of ownership, and I believe they are violating the Fair Debt Collection Practices Act by threatening garnishment without validation and possibly without legal authority. I am requesting the CFPB intervene and require Ragan & Ragan to validate the debt or cease all collection efforts immediately.
Frequently Asked Questions
What is Complaint #17875218 about?
Complaint #17875218 was filed against Ragan & Ragan, Pc regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2025-11-16T12:00:00-05:00.
How did Ragan & Ragan, Pc respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Ragan & Ragan, Pc?
Yes, visit the Ragan & Ragan, Pc company profile at readthecomplaint.com/company/ragan-ragan-pc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.