The original creditor " The XXXX XXXX '' performed surgery on my wife 's cat. They stated we should use XXXX XXXX, and we subsequently applied and were granted {$4500.00} for the surgery. They performed the surgery, and did not anchor the leg pin correctly. The pin stuck out of the cats skin more than an inch, and required constant wound care. We took her back, and they said they had no idea what to do, and we had to beg for antibiotics. They refused to perscribe cat pain killers even though she had a XXXX out of her back. They then informed us that they had fired their office manager, and would not take the XXXX XXXX which they had suggested directly that we use, and that the full amount was due even though the credit terms with XXXX XXXX were 2 years no interest. This is unacceptable and borderline fraud. We attempted many times to talk with the business owner to come to some arrangement. 

We have since filed a small claims case against the practice, and we had notified the business of the court case prior to them selling our account to a collection firm " AUDIT AND ADJUSTMENT ''. When we found out about the collections, we contacted the collection firm and notified them that the debt was disputed, and sent them copies of the court papers. 

Their response was a simple note with the name, but not address of the XXXX XXXX ( I believe that FDCPA requires the address as well ) as their verification of the debt. We called back and reiterated that there was an ongoing dispute and pending court action. Imagine my surprise to when my credit monitoring software notified me today that " AUDIT AND ADJUSTMENT '' had filed a collection record. First the debt is clearly being disputed and a Judge will decide if the XXXX XXXX is liable tomorrow. Second for them to go after myself and my wife and ding our credit when there is a clear and specific dispute and pending court action where we are the moving party is insane.