Our situation is unique because this started before I got engaged to my fiancée. This started back well over ten years ago. He had a credit card, so long ago canâ??t remember who it was with. The company went bankrupt and the account was charged off. Then about 7-8 years after that he and his family started getting harassing phone calls all the time. He did set up an agreement to give them 4 post dated checks then they were to contact him after to make further arrangements. Two days after the fourth check cleared they called him screaming that he was trying to not pay because he didnâ??t call them. They started the harassing phone calls again this time even calling him at work. The he moved from VT to OH in 2000 has not has any contact with these people since. In August of 2006 he went to the ATM to get some money and it told him that he was over drawn by a couple hundred dollars, even though he had just gotten paid. The next day in the mail came a letter from the local Courthouse saying that his money had been garnished by a company called LVNV Funding LLC. Well he never questioned it because it was a court order. They would continue to take money an account that was in his name only (at this time he was married and they did have a jointed account) so he just left the account alone because he thought that was what the court paper said. This happened for about a year then nothing at all. Just last week we deposited my unemployment check and rebate checks, went online paid some bills and then 2 days later went to check to see what had cleared. Low and behold our account was over drawn $1100. There was a debt memo attached to our account so we called the bank to find out what was going on. That was late Friday afternoon. The bank manager called us bank later that evening and told us that it was court ordered and all she could give us was a name and number. We have been playing phone tag with these people. In the mean time we have no money because they took a total of $1444.22 from us and when he got paid the next week all we had left from his check was $484. Now we have to figure out how we are going to eat, put gas in the truck for him to get to work, and everything else that we need. I really donâ??t know what we are going to do if we canâ??t borrow money from family so that he doesnâ??t lose his job over this. Also bills that were supposed to be paid are now going to be late this is going to take us months to recover. We also live in fear that they can just come along anytime and take our money again. This account is both of our names. To think that just a couple of weeks ago I was planning our wedding and now we may have to delay it after picking the date and telling all our family and friends. Unfortunately because he did not know that he had any rights in this matter it has gotten to this point. After some research we have come to find out that this company goes by five or six other names. I need to find out what our legal standing is? They also have been sued multiple times in the past few years. I looked up all the names that they go by and they all have bad BBB reports. The company that they are using is Weltman, Weinberg & Reis Co., L.P.A. they are from Ohio Here are few names that the agency goes by: and they are from SC Lvnv Funding LLC Ventus Capital Services Sherman Acquisitions Alegis Group If you do a google on any of these names you might be suprised by what you find. Sherman Financial Group Capital Management Services
First thing I would suggest is closing your current joint bank account, and open two separate accounts at two different banks, one in your name only, and another one in his name only.
Oh what a mess! You are being harassed by one of the worst! Unfortunatley it appears that somehow they got a judgement against your husband and it hhust keeps on. What you need to do is find out when a judgement happened and where? You said he had lived in Vermont? Well if judgement was in Vermont it could be done with now, or maybe Ohio has a different statute on judgements as well. Is there any way you can figure out how much was owed original and what you have paid them (or I should say what they took from you so far)? If you could get a consumer lawyer this would be the way to go as these Sherman LVMN people are scum suckers... As the previous poster suggested, take everything out of joint accounts and YOU just have everything in your name and your name alone. YOu are going to have to solvethis problem though and the only way to do it is to really research when and how much and who, AND you need to start keeping a paper trail and journal of all calls and mail and also get your credit reports. I am sorry you are going thru this, and let this be a lesson to you and others. NEVER put your head in the sand as they will suck you dry and also QUESTION AUTHORITY!!! Woofer
