Was contacted and threatened by law firm not only to sue but to come to our house and seize property in front of our children. Law firm spoke to my wife ( it 's was my debt ) and began negotiating asking for banking information without providing proof of the debt. This debt was passed XXXX to be collected/sued on. Wife tried to negotiate with them after served and was promised that settlement was coming and that told that I did not need to show up to court because we were in negotiating, in which case they got a default judgement. It has further damaged my credit and costing money with lawyer to fight a bill of review. It 's impacting my ability to get an FHA mortgage.