Debt collection -- Took or threatened to take negative or legal action -- Complaint #4342966
Complaint Overview
Complaint ID: 4342966
Company: Law Office Of Michael J. Scott, Pc
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
State: Texas
ZIP Code: 78664
Date Received: 2021-05-01T12:00:00-05:00
Date Sent to Company: 2021-05-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/21 I was contacted by a XXXX XXXX XXXX Their attempt was to collect on a debt that is past the statue of limitations in my state of Texas. The JXXXX XXXX XXXX is willing and knowing violating Section 16.004 of the Texas Civil Practices and Remedies Code that clearly and plainly states that the Statue of Limitations of Debt in Texas is 4 years. They are also violating Section 392.007 of the XXXX XXXX XXXX that clearly and plainly states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. The have failed to provide me the required notice and detailed in Texas Law. I have advised them of their violations and they continue to harassment me. I have sent them another notice to cease and desist as recently as XX/XX/21. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved.
Frequently Asked Questions
What is Complaint #4342966 about?
Complaint #4342966 was filed against Law Office Of Michael J. Scott, Pc regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-05-01T12:00:00-05:00.
How did Law Office Of Michael J. Scott, Pc respond to this complaint?
The company responded with: "Closed with explanation". The response was 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 Law Office Of Michael J. Scott, Pc?
Yes, visit the Law Office Of Michael J. Scott, Pc company profile at readthecomplaint.com/company/law-office-of-michael-j-scott-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.