John J. Pugh a.k.a. Nat'l Credit Corp. has been hassling me for years to pay a debt they bought from one of my credit card companies who I couldn't repay because of job loss years ago.
They sent a guy to my door and stupidly I signed some something and it turns out Pugh uses this signature to get into my bank accounts and wipe out my balance.
I called them in 2005 and tried to work out a payment plan. At the time, I was struggling w/out a full-time job and all I could offer was $25 per month. I spoke with an attorney named Justin who said that would be fine. I sent them a check two months in a row, but then had no income for 2 months and couldn't pay anything.
They found my website (I'm a freelancer), contacted a designer I work with on occasion who's also a friend, with a court order telling him to garnish my wages, which insane, as I don't and never have worked for him. They knew this would upset me. I called them and told them to leave him alone, and had to resort to sending a certified letter from my friend stating I don't work for him. They told me that I would be dragged into court and liable for the court costs, which I believe is untrue and illegal. They did bring to court one day and I supplied all the info they asked for.
The bottom line is, if I could do monthly payments to pay off this debt I would. But they have refused to let me do that. They want a lump sum or nothing and, in the meantime, they put liens on my bank accounts and remove money every 6 months or so.
They patently refuse to work with me and have threatened my well-being, my family, my livelihood, and I can't figure out why, because they have really not gotten much money in return. If they set up a payment plan with me I'd be more than happy to pay them. I think they prefer trying go hit the "jackpot" by taking the money out of my bank account. Too bad for them I don't make very much.
Los Angeles, California