Client
I would like to provide feedback regarding my recent garnishment. While I am relieved that this matter will finally be off my hands, I cannot say that I am satisfied with how it has been handled. Years ago, Navy Federal granted me a $10,000 credit card. I used about $8,000 of it and faithfully made payments for more than 10 years. I reduced the balance to around $2,000, yet because nearly every payment went toward interest, I ultimately paid more than $17,000 without ever seeing the account resolved. Once I realized I had paid back many times more than what I originally owed, I stopped making payments. The frustration I feel is not from shirking responsibility--I have always paid my bills. It comes from the fact that, despite my consistent payments and far exceeding the original balance, I am now subject to garnishment. What concerns me even more is the role of law firms and debt collectors in purchasing accounts and pursuing additional payments under these circumstances. While it may be legal, from my perspective, it feels deeply unethical and exploitative. I will accept that this garnishment brings closure, but I want to be clear: I am not happy with how this has been managed. After years of faithful payments, the outcome does not reflect fairness, and it has left me with the strong impression that the process prioritizes profit over integrity. The unethical loopholes you know so well. My request is that your firm take a hard look at the human impact of these practices. I urge you to reconsider how accounts are managed and pursued, and to establish approaches that uphold both fairness and ethical responsibility--not just legal authority.