MacDowell and Associates wont adhere to agreement

Did you keep receipts, canceled checks, etc? Why is your wife being garnished? Was the debt in both names?

I feel your pain, they are pulling the same crap with me, but I'm disabled and if I didn't sigh some papers, they would take my house. Please, I need help!

Did you ever get this agreement with Mr. Guzman in writing?

a few questions.

1)were you in court when this judgement happened
2)if not how do you know there is a judgement
3)what state are you in?most if not all states have caps on an
amount that can be garnished.usually 25% of income after deductions.some states don't allow garnishment at all.except for certain debts.child support back taxes.

i think a bottomfeeder got away with one here.800.00 that is ridiculous,unless you clear 3200.00 per pay period no court would allow that.this sounds like this slime put a phony document to garnish.that is also on your HR person.i woud look into this.check with your county court,ask them if this mope can garnish legly 800.00 per check.you might be suprised.

I an agreement to stop my check from being garnished I had to give them $1200 down and pay them $225 a month. I did my part but mycheck was still garnished. The court said they never got any notice to stop it. If I don't get that money they don't get their $225. What do I do?

well since they are still garnishing.i wouldn't give them squat.they are getting there money.if they won't stop the garnishment then don't send them anymore.

I have a similar situation and these people are ruthless, they absolutely do not care about individuals at all. Mr Guzman is the rudest prick I have come across. I would like to file BK just so I dont have to deal with them anymore! They refuse to give me a statement of account.

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I too have had dealing with Mr Guzman, these people are the biggest prickes on the face of the planet. They do not care about people or families! I did get a statement from them and after reading some of these post I keep receipt of all my transactions to them. I have a judgment for a repo as well. Two more years and hopefully my dealings with them wil end. I love how whenever I am late they say htey are going to call thier client (mine being ford) I just laugh at them because Ford no longer even owns the debt..Mac Dowell buys it and then collects on it which is why they are sooo ******* ruthless!

Good luck everyone!


Watch your language, please. - Uncle Wulf

I thought I was the only one who dealt with Mr. Guzman. Yes he is compete f*ckn *ss. I had a Navigator that I voluntarily returned because I was hospitalized with pregnancy complications; had to reduce from working from full-time to part-time; McDowell obtained judgment -original balance was $5800.00; at time of judgment $8K; they garnished my wages and thru garnishment have paid $5,300.00; they are now saying that I owe $5K left because of interest and attorney fees and "their client is entitiled to it. I am not working now and I tried calling to see if I could talk to someone else but THEY ALL HAVE NO HEART....I wanted to see if I could work something out but they want a lump sum settlemetn of $4,200.00 (on top of the $5,300.00???? I've already paid thru garnishment) or settle the balacnce with $1,500.oo down and monthly payment of like $250.00....it doesn't make sense to me...

This is the only account I have like this....all my other accounts - credit card...loan I have are in good standing (after garnishment)....I want to file BK so I don't have to deal with McDowell & Associates anymore...I feel like Im between a rock and a hard place...file BK just for this one creditor...????

I used to not understand when people would go postal ...but after dealing with Mr. Guzman and his supervisor Mr. B???....I completely understand now.

My account with Ford motors was closed 2007 but, MacDowell picked it up and put it back on my credit report. They charged me $2,551 in interest the first time. Since May/2008 until now Jan./2010 I've been charged $3,296.66 in interest. I understand paying what you owe but, they act as if they want you to owe them the rest of your life. The RICH getting RICHER!!!

I am also having problems with MacDowell and associates, they put a judgement on my credit report from an old providian credit card i got in 2005, so when i called them they were rude and unprofessional. Is anyone going through a similiar situation with them.

My wages were garnished by mac dowell also.. paid off 10, 443, which was the amount of the judgement & after 1 month, I get another garnishement for 800 dollars! Alleging I owe court fees. They sent a letter to the HR department. Thats it. one letter. I bet you its fake.They are supposed to be located in Laguna Beach, however thejudgement comes from Sacramento. I researched to court site, to look up the case # & it is nowhere to be found.
I am Suing Mac Dowell & Associates.Any comments.. please post.

I just received a garnishment letter from them for my checks to be garnished . To bad iam HR.hahah I sent it back with a big **** YOU on it....


Watch your language, please. - Uncle Wulf

These people are "RUTHLESS" and have "NO MERCY". One day I received a letter to answer their suit, a month later I received forms stating I owed the creditors, etc (Their Reply), the next thing I know...I received a letter for a judgement...???!!! We didn't even go to court....I never even got a letter to come to court...what the hell??? NOTHING!!!

Now, I've got a letter that says I owe them $30,000.00 for a truck that was a voluntary re-po b/c I lost my job...(I couldn't keep it if I could no longer afford it)...they "CLAIM" to have sold the truck for pennies on a dollar....like $11,000.00 yet the judgement was for $26K as per my credit report but they're trying to collect $32,000 total per my bank notification.

What the hell?
Now they're trying to garnish my check on my new job, hell I've only been working 2 damn weeks for christ sakes.

I want to negotiate payments but these idiots won't ever call me back.
I mailed payments but no one has called or responded now I'm about to be garnished?

This is BS!!!

What are my options (BANKRUPTCY IS NOT an OPTION).

Sign,

What Tha &*%$#@ hell man?

[QUOTE=Anonymous;697138]I just received a garnishment letter from them for my checks to be garnished . To bad iam HR.hahah I sent it back with a big **** YOU on it....[/QUOTE]


OOH, Can you send my back for me too?

Would you like revenge? I too have been dealing with them or 15 years now. I have photo's, liscene plate numbers & address's of employees including Mr. Guzman...
SLash a Tire - Sugar in the Gas Tank - Let me know what you want done. I live near them at 3636 Birch St. Newport Beach, CA. - The owner Drives a Black MB 230 SLX guzman drives a Pickup truck and sometimes a Chrysler PT Cruiser. I will fuc& up their cars for you email me as [email]achef37@yahoo.com[/email]

Reading all these stories makle me sick how those people take advantage of innocent people.
The best way to react to them is to take them to court and have them work out the details in court. That is very costly for them and usually they don't even followup on cases where they have to go to court, especially if you do not live within their neighborhood which is Santa Monica, California.

The best way to is to file a complaint against them, or a counter-complaint if they tried to sue you first.

Do not agree to do anything without it being in writing as the court will not recognise verbal agreements.

If you are interested in filing complaint or countercomplaint and follow up in court, let me know and I will send you the forms you need top process it yourself. Send a note to [EMAIL="consumer@welsfarto.com"]consumer@welsfarto.com[/EMAIL] .

HERE IS HOW TO STOP THESE CROOKS. Email me if you want, I can send you my 15 year long battle with Todd A. MacDowelL ESQ & Ass. my email achef37 @ yahoo.com, We have had our bank accounts siezed for a 15 year old debt that was paid in full on a Ford Truck in 1996. I too have dealt with Mr. Guzman, Miss Alvarez, Mr. Santos and a plethora of other characters. I have been to their Law Office which is a front @ 3636 Birch Street in Newport Beach CA. It is a telephone bank not a law office. HELP US STOP THEM ! ! GO TO; www.ftc.gov. in a matter of a few minutes you can file a online complaint...the more we bombard the Federal Trade Commission with violations of the Fair Debt Collections Practices Act especially sections 805, 806 & 809. I did it yesterday and have already received a response. HERE IS HOW TO STOP THESE CROOKS. It takes just 2 minutes to do this. The FBI & FTC will subpeona them and we can stop them for sure, tell a friend and all your relatives.

[quote=anonymous;736522]would you like revenge? I too have been dealing with them or 15 years now. I have photo's, liscene plate numbers & address's of employees including mr. Guzman...
Slash a tire - sugar in the gas tank - let me know what you want done. I live near them at 3636 birch st. Newport beach, ca. - the owner drives a black mb 230 slx guzman drives a pickup truck and sometimes a chrysler pt cruiser. I will fuc& up their cars for you email me as [email]achef37@yahoo.com[/email][/quote]


hey you real have all that info???? Please man let me in on it, they got me for 7k f my life hit me up i am in the o.c. And close to there office, [email]kkk.1967@yahoo.com[/email]

[quote=anonymous;736522]would you like revenge? I too have been dealing with them or 15 years now. I have photo's, liscene plate numbers & address's of employees including mr. Guzman...
Slash a tire - sugar in the gas tank - let me know what you want done. I live near them at 3636 birch st. Newport beach, ca. - the owner drives a black mb 230 slx guzman drives a pickup truck and sometimes a chrysler pt cruiser. I will fuc& up their cars for you email me as [email]achef37@yahoo.com[/email][/quote]


hey you realy have all that info???? Please man let me in on it, they got me for 7k f my life hit me up i am in the o.c. And close to there office, [email]kkk.1967@yahoo.com[/email]

Mr. Guzman has disregarded my request for a statement regarding what is still owed or even how much the late fees are. The office is also charging me for late payments, the amounts unknown, that are a DIRECT result of the negligence and unprofessionalism of their office environment. My payments are set up to be recurring payments from my bank account. I have never had problems with my bank issuing payments by mail before to anyone. However, the past two times (out of a total of six payments) my payments were charged late fees. I send my payments out nearly two weeks before they are due, they are due on the 25th of the month. I have tried talking with Mr. Guzman, however, I have gotten no where. He says I am negligent and that I have a history of it obviously since I am making payments to a debt collector. Mr. Guzman completely disregards anything I say, except to remind me that my accounts will be garnished.
On August 11th a payment was sent to them. On August 29th I received a notice stating I was in default and would have to pay my total balance and/or late fees. I called the office and spoke to a receptionist because Mr. Guzman was not available. I informed her about my payment being sent and inquired as to why they have not deposited it; she stated she could not help me because it was Mr. Guzman's file. However, the next day my payment was deposited into their account. This is not coincidence! Then, on September 13th my next payment was sent out. Again, I received the notice of default, etc...This time the check was not deposited until October 8th! I informed Mr. Guzman of my previous payments being sent out and deposited in a total of five days. Meaning, my payments were sent out on the 11th and cleared by the 17th. Mr. Guzman would not provide me with any information other than tell me that I am in the wrong. When I asked to speak with someone else, he stated that there was noone else. At this point I ended my conversation with him.

These people violate more laws than I've ever seen anybody in my entirely life...
A voluntary car turnover turned into a default judgment... I was never served ...
And they just keep digging for any thing... I had to file bankruptcy because of these types of idiots...
I hope this is the last time I hear from them...
Never Buy A Ford Again...