Debt collection -- Took or threatened to take negative or legal action -- Complaint #5037752
Complaint Overview
Complaint ID: 5037752
Company: Hiday & Ricke, P.A.
Product: Debt collection
Sub-Product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you without properly notifying you of lawsuit
State: Florida
ZIP Code: 32608
Date Received: 2021-12-23T12:00:00-05:00
Date Sent to Company: 2021-12-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX, Hiday and Ricke took over account for XXXX XXXX XXXX XXXX. I was a co-signer on an auto loan back in XXXX. After numerous harassing calls and letters, I explained that I am a single mother of two and i didnt have any involvement in the other party defaulting on the loan. I made arrangements to make monthly payments which I did. However, the company then proceeded to file to have a judgement entered against me for more than XXXX. The company also filed a writ of garnishment against the other party for more than $ XXXXmonth. After not being contacted since XXXX, my employer was served a writ of garnishment last week. I was in no way contacted or notified of this prior to them filing. When I contacted XXXX XXXX, the Garnishment Agent, I was advised that my employer had already been served and that I would need to fill out a financial form for them to consider adjusting the garnishment. The financial affidavit that was attached is extremely invasive. In addition to household expenses, it also asks for bank account information to include savings, checking and routing number. When I submitted the form, no one bothered to respond. Nor was I given an opportunity to file an exemption form or to set up a payment arrangement. The company is using an address I have not resided at in 2 years. When I made attempts to call and email, I did not receive any response. The garnishment is withholding XXXX % of my income per pay period which is over {$300.00}. I am a single mother of two children and I do not receive any additional assistance. This is immensely frustrating and it greatly impacts my ability to provide for my children. I do not understand how anyone could justify withholding % XXXX of someones earnings every pay period in the midst of a pandemic when financial instability is at an all time high. I have sought legal action in this matter. I have the notice to defendant that was filed with the court for documentation.
Frequently Asked Questions
What is Complaint #5037752 about?
Complaint #5037752 was filed against Hiday & Ricke, P.A. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-12-23T12:00:00-05:00.
How did Hiday & Ricke, P.A. 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 Hiday & Ricke, P.A.?
Yes, visit the Hiday & Ricke, P.A. company profile at readthecomplaint.com/company/hiday-ricke-p-a 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.