Okay, so we recieved a bill from these lawyers stating that we owed Amerin IP for payments that had never been paid. This was 6 months ago. We did not know we owed them money because we never recieved a bill. This was from a residence we lived in 8 years ago. So we tell them to send us the records of this charge and if we are responsible we will of course pay it. We hear nothing for months.
Then 2 months ago we recieve a phone call with someone yelling at me about how we owe them money are we are refusing to pay our debt. I calmly tell her we are waiting for proof of the debt and proof that we were living there at the time of the charge. She then recites this 8 year old address to confirm address. I give her my correct address and then 2 weeks later we recieve the sheets. Though we weren't living there at the time, we have no way of knowing who would be responsible for the charges. I call the woman, that day, and tell her all of this. She says let me talk to my supervisor and get back to you.
2 weeks later we are delvered a summons to come to court for this debt. We go to court and are told that it would cost us much more to merely fight this than just pay the debt. I tell the lawyer that we had been trying to negotiate payment and had been awaiting a phone call, instead received a summons. Mind you this whole conversation the woman from Baker & Miller never even lifted her eyes from her binder. We agreed to plead guilty and work out a payment plan.
2 days later I am contacted by a man from Baker & Miller who starts out by yelling at me about needing a payment right now. I tell him to give me an address or website to make a payment and I will. He yells NO at me and says he needs one right now over the phone. I didn't have my credit card number and such memorized and was not in a position to give it to him at the time, on my cell phone. He curses at me. I tell him that I have not made a payment because we didn't know what to pay to whom and we had been waiting on them, all the above and such, he then calls me a LIAR and says that they've been trying to get money from me for years. Of course this is just not true. We did not even know this debt existed until a few months ago! I finally hung up on him because he wouldn't quit yelling and my kids were crying and asking "who is screaming?" That is how loud he was, he wan't even on speaker phone. After hanging up I went online searched out the lawfirm and made a payment on line. I wrote a letter via their e-mail stating the conversation and situation and asked to be contacted.
Now we recieve a notice that they are deducting Paul's pay from Wilbert. And that the judgement was in the amount of $516.07. But the balance due is $2,053.33.
This is what happens to people who can not afford lawyers. This is what happens when lawyers bully you and tell you you have to pay the money, even though you are not responsible, because you don't know your rights. I now know that if we had faught and won we wouldn't have had to pay anything! Now we have t pay 4 times the debt on a power bill that incurred on a home we had moved out of,while we were living in an apartment.
Why do people only look out for themselves. What does this do to a family that already is on public aid because with our three jobs we don't make enough to feed our family.
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