Machol & Johannes Fradulent collections, Won't substantiate amount due, won't make a payment plan, unethical business practices Denver, Colorado

20th of Nov, 2011 by User904129

Machol & Johannes is suing me on behalf of Applied Bank and an old credit card bill. They will not take payment arrangements of $100 per paycheck on direct deposit even though the amount would be much higher than what they will get out of my small paychecks by garnishing me. I was already garnished for this bill for a year at my previous employer. I have paid over $2,500 towards this bill that had an original balance of $1200. Now, they are just collecting for fees & interest (23% annum - usury), on top of more accruing fees and interest. At this rate, it will never be paid off, which is what their end result is, and I'm just a cash cow to them for keeping me on their books. In addition, I have a letter from Applied Bank stating that the account has been paid in full and that I have a credit of $50. I have attached the letter. On top of everything else, they never served me with papers giving me the opportunity to file an answer with the courts even though they said they served me. I want proof of a signature or a description of me stated by the process server. The garnishment came into my last employer from out of the blue because I had never been served. These collectors are bottom feeding sharks and have other complaints on the Internet and 10 complaints with the Better Business Bureau over the past months. I have also filed a BBB report on them. I want all of the costs substantiated and proof of service of process, a reasonable payment plan with a halt on the interest, or a complete write off because they have collected twice the amount of the original amount and the original debt is paid in full. My employer has received papers to start garnishing me and I want them redacted. If you've had the same situation with them, please add to this report or file your own report so that they stop their unethical business practices.

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