Debt collection -- Took or threatened to take negative or legal action -- Complaint #9754746
Complaint Overview
Complaint ID: 9754746
Company: The Moore Law Group
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you without properly notifying you of lawsuit
State: California
ZIP Code: 93306
Date Received: 2024-08-08T12:00:00-05:00
Date Sent to Company: 2024-08-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally lodge a complaint against The Moore Law Group, who is acting as a debt collector on behalf of XXXXXX/XX/XXXX I am experiencing significant financial hardship due to my current XXXX and am solely reliant on unemployment benefits from the XXXX XXXX Department ( XXXX ). On XX/XX/2023, I contacted The Moore Law Group to discuss a potential settlement for my debt with XXXX XX/XX/XXXX Following their instructions, on XX/XX/2023, I sent an email detailing my situation and providing documentation of my XXXX and unemployment benefits. Despite my numerous follow-up attempts, including multiple voice messages, The Moore Law Group has not provided a clear response. In my email, I explained that I am currently unemployed and facing severe financial difficulties due to my XXXX and recent hospitalizations. I outlined my debts, including judgments from XXXX XXXX and an impending judgment from XXXX XXXX, totaling over {$40000.00}. Despite these challenges, I am committed to avoiding bankruptcy and proposed a lump-sum settlement of {$4600.00} for my debt with XXXXXX/XX/XXXX XXXX This offer is consistent with the settlements I am negotiating with other creditors. Resolving this debt is crucial for my financial and mental health, and I am prepared to make this payment promptly if accepted. When I finally reached The Moore Law Group by phone, I inquired about the status of my settlement request and was told that it was denied. However, when I asked if the denial came from XXXXXX/XX/XXXX, who owns the debt, I did not receive a clear yes or no answer. Instead, I was given vague responses such as " the offer I made is not good. '' The objective of sending documentation and explaining my hardship was to have XXXX XX/XX/XXXXreview it and decide as the owner of the debt. Despite providing the requested documentation and a detailed explanation of my situation, The Moore Law Group 's lack of clear communication has caused significant stress and hindered my ability to resolve this matter amicably.
Frequently Asked Questions
What is Complaint #9754746 about?
Complaint #9754746 was filed against The Moore Law Group regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2024-08-08T12:00:00-05:00.
How did The Moore Law Group 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 The Moore Law Group?
Yes, visit the The Moore Law Group company profile at readthecomplaint.com/company/the-moore-law-group 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.