This collection agency is the thrid company to try collect on a Target debt. It has been delt with and is over the legal staute of limitation in California to collectt on this debt aw well. The first I heard from them was in a letter from the County of Los Angeles Registrar-Recorder/county clerk. They said they filed with the local Superior Court of California and Small claims court. I looked up the case number and there was not case listed. I then took notice of the name of the Deputy Clerk and the date of the filing. Also the place it was filed. All false in my reshearch.
I wrote them a letter letting them know what information I found. That it was not valid information to collect on this debt. I recieved another letter from them today about a month latter. With another letter from the County Clerk with the same information but filed at another court house. Same file number and same clerk different date and different place. I know this is robo production to collect on debt. To scare and stress money out of people.
So it seems this is all a lie. They are not only falsifying the court case but the lien as well. And I think they are using the County and Courts pages and logos and letters illegally. This is so dishonest and ruthless.
I received a letter from: patenaude & felix; claiming i owe them $6,055.19; when the original debit was $3,835.00. The law firm is trying to collect on a debit that is over 7 years old, the original creditor target national bank has removed this bad debit from all three of the credit reporting agencies. I will first state, i was just made aware that in 2011; i was sued by target, and a default judgement was granted; because i was not there. I was not in court, because i was never served, i was never made aware of a court date or even a lawsuit.
Now, after 5 years of the judgement being granted, and when the original creditor has removed this account from the credit reporting agencies, and i have a clean record as far as my credit goes; the law firm mentioned above is not following the laws. First off; they did not file a substituion of attorney with the original court house They are not the original attorneys) and they admitted this to the cfpb in which i have filed a complaint with them. The law firm has been told to cease and desist by me and by target.
The judgement was never placed on my credit reports, i was never notified up until october of this year; 2016, that there was a judgement. The statute of limitation law is protecting me, the 4 year period of a law suit being filed A second law suit) and the 7 year period has also hit and passed us by.
If the judgment was placed on my credit reports, because i do check my credit reports at least once or twice a year, i would have seen it and would have taken care of this mess. Now 5 years after the fact, in which a judgement was granted and i had no knowledge of it. I after all of these years am notified and shocked.
The original court case; shows "inactive/closed". I can also see where the prior attorneys messed up on many documents and items were thrown out a few times. One of them was "proof of service", the courts don't have that. I ask, how was the judgement granted, when they knew, that i had no idea of the lawsuit??? There is the million dollar question.
I have learned i can ask the courts to vacate the case. However, the courts need for me to file the court documents and appear in court. This would be no problem, if i did not live over 3 hours away, i wasn't disabled and if i had decent transportation to get to and from and living on disability, money is very tight in my home.
It is my understanding, the law firm, is a glorified collection agency.
I want to make this clear, i did not go out and purposely not pay my bills. I became disabled on the job; my income is disability. I am what the law calls "judgement proof", and if i would have been given a court date, i could have proved that i am disabled, but no, that is not what happened.
To sum things up, i am 60 years old, living on disability for the rest of my life, i have sent/faxed the law firm proof of income. I have not heard back from them, i have sent many letters/faxes stating the laws and my situation and i have asked for proof of closure, and i have even sent them a copy of the letter in which target national bank has sent to them as well, stating target is not going after me and the 7 year period has passed and that they have removed the account from my credit reports.
I have done my legal research, and because i don't have "wages" and because my disability check goes into the bank, again, i am "judgement proof", no one can garnish disability checks or go into a bank account, that the said disability check is deposited into. The worse they can do to me, is put a lien on my property and because i have done even more research, i have filed a homestead with my county and with a homestead, my home is protected, my bank account is protected, my income is protected.
In doing research on patenaude & felix they do not follow the law, they dig up old accounts and harrass and haunt the consumers. And from being in a place, where i could no longer pay my creditors off, it is not a good place and i will never be proud of it. The law states that after 7 years, all is excused. The law firm is not following the law.
I am asking Outscam, to help me get patenaude & felix to close this account and not to sell it to another glorified collection agency. Thank you,
Patenaude & Felix APC Reviews
This collection agency is the thrid company to try collect on a Target debt. It has been delt with and is over the legal staute of limitation in California to collectt on this debt aw well. The first I heard from them was in a letter from the County of Los Angeles Registrar-Recorder/county clerk. They said they filed with the local Superior Court of California and Small claims court. I looked up the case number and there was not case listed. I then took notice of the name of the Deputy Clerk and the date of the filing. Also the place it was filed. All false in my reshearch.
I wrote them a letter letting them know what information I found. That it was not valid information to collect on this debt. I recieved another letter from them today about a month latter. With another letter from the County Clerk with the same information but filed at another court house. Same file number and same clerk different date and different place. I know this is robo production to collect on debt. To scare and stress money out of people.
So it seems this is all a lie. They are not only falsifying the court case but the lien as well. And I think they are using the County and Courts pages and logos and letters illegally. This is so dishonest and ruthless.
I received a letter from: patenaude & felix; claiming i owe them $6,055.19; when the original debit was $3,835.00. The law firm is trying to collect on a debit that is over 7 years old, the original creditor target national bank has removed this bad debit from all three of the credit reporting agencies. I will first state, i was just made aware that in 2011; i was sued by target, and a default judgement was granted; because i was not there. I was not in court, because i was never served, i was never made aware of a court date or even a lawsuit.
Now, after 5 years of the judgement being granted, and when the original creditor has removed this account from the credit reporting agencies, and i have a clean record as far as my credit goes; the law firm mentioned above is not following the laws. First off; they did not file a substituion of attorney with the original court house They are not the original attorneys) and they admitted this to the cfpb in which i have filed a complaint with them. The law firm has been told to cease and desist by me and by target.
The judgement was never placed on my credit reports, i was never notified up until october of this year; 2016, that there was a judgement. The statute of limitation law is protecting me, the 4 year period of a law suit being filed A second law suit) and the 7 year period has also hit and passed us by.
If the judgment was placed on my credit reports, because i do check my credit reports at least once or twice a year, i would have seen it and would have taken care of this mess. Now 5 years after the fact, in which a judgement was granted and i had no knowledge of it. I after all of these years am notified and shocked.
The original court case; shows "inactive/closed". I can also see where the prior attorneys messed up on many documents and items were thrown out a few times. One of them was "proof of service", the courts don't have that. I ask, how was the judgement granted, when they knew, that i had no idea of the lawsuit??? There is the million dollar question.
I have learned i can ask the courts to vacate the case. However, the courts need for me to file the court documents and appear in court. This would be no problem, if i did not live over 3 hours away, i wasn't disabled and if i had decent transportation to get to and from and living on disability, money is very tight in my home.
It is my understanding, the law firm, is a glorified collection agency.
I want to make this clear, i did not go out and purposely not pay my bills. I became disabled on the job; my income is disability. I am what the law calls "judgement proof", and if i would have been given a court date, i could have proved that i am disabled, but no, that is not what happened.
To sum things up, i am 60 years old, living on disability for the rest of my life, i have sent/faxed the law firm proof of income. I have not heard back from them, i have sent many letters/faxes stating the laws and my situation and i have asked for proof of closure, and i have even sent them a copy of the letter in which target national bank has sent to them as well, stating target is not going after me and the 7 year period has passed and that they have removed the account from my credit reports.
I have done my legal research, and because i don't have "wages" and because my disability check goes into the bank, again, i am "judgement proof", no one can garnish disability checks or go into a bank account, that the said disability check is deposited into. The worse they can do to me, is put a lien on my property and because i have done even more research, i have filed a homestead with my county and with a homestead, my home is protected, my bank account is protected, my income is protected.
In doing research on patenaude & felix they do not follow the law, they dig up old accounts and harrass and haunt the consumers. And from being in a place, where i could no longer pay my creditors off, it is not a good place and i will never be proud of it. The law states that after 7 years, all is excused. The law firm is not following the law.
I am asking Outscam, to help me get patenaude & felix to close this account and not to sell it to another glorified collection agency. Thank you,