Complaint Review: Capital Mitigation/Personal Cash Advance

On October 30, 2017 I received a call from a person named Maria she states she is with Zero procedure (832-356-4390, caller ID states Houston, Tx) and she was calling o tell me I will be served a subpeona on October 31, 2017 at my home. I asked her what it was in reference to and she stated she doesn't know but to call Capital Mitigation at 877-874-6867 ( caller Id did not identify a location) and refer to case# 17/57361. I c alled and a woman asked for my last 4 of SSN. I told her I don't feel comfortable telling her that what is this in reference to. She stated she already has my full SSN anyway ( Her tone gave me a Red flag). She said, just give me your last 2, which I did. She said hold on let me transfer you.

I was transfered to a man named Kevin Piercen at extention 322, I gave him my name and file number the woman from zero procedure called with. He stated, their was a civil lawsuit agains me and the complaintant has forwarded me notification 45 days ago to my home address as well as a address I lived at over 6 years ago in another state. I stated, I never received any letters at all, he said well tomorrow they are going to file this matter at the county clerks office. I said but how is this possible when I have never received anything and if it was a legitimate debt I would have paid it. He said, Personal Cash Advance states you recived a payday loan in 2013 for $500.00 and with the surcharges and fees the total is now $1325.87. I said this is ridiculius I was never notified about anything and why would someone wait almost 4 1/2 years to collect on a debt? It just doesn't make sense. He said, I understand you haven't received anything, I will reach out to Personal Cash Advance and see what can be done.

I'm placed on hold for roughly 10 mins and he comes back and says Personal Cash Advance is willing to take a  settlement of $512.00 paid in full or a prorated amount of $750.0, paid out over 6 months for $125.00 per month.  I said wow, that is a big difference and he said yes. He said, I can email you the settlement offer and asked if my email address was the same I stated it was. He also said, I could make a sworn statmetn that I would pay the sttlement amount and I said no, I'm not doing that.  

The next day 11/1, someone from VPS Recovery emailed a copy of the settlement offer/letter. I called back on the 11/1to speak with Kevin and request the physical documents he stated he had. I was unable to reach him after several attempts. On 11/2, I called again and was able to reach Kevin and when I asked for a copy of the documents he said, he can't provide them I would have to go to the county clerk office and request it, I said what county clerk and he said in your town. I said I don't understand, I'm asking for a copy since I never recieved and logicially, anyone would want a copy before they agree to pay anything. He said that is the process, I'm only a mitigator. I said it just seems strange, you can not provide a copy. He got very upset and began to state, it's not strange and if I don't want to pay then it was just got to the courts. I thanked him and hung up.