My experience with HBLC, Lawrence Spilg, Jennifer McAllister and Steven Fink

Sometime around 2010, HBLC Inc. acquired a pair of credit card debts from Orchard Bank which were allegedly mine.  Lawrence Spilg made no efforts whatsoever to contact me, to ascertain whether or not these debts were actually owed by me.  The debts were also suspicious because one of the accounts listed my formal name and the other an informal version.  I have never owed any delinquent debts to Orchard Bank.  The first I heard about this matter was when a sheriff's deputy served me with a summons, notifying me that I was being sued by HBLC for these two debts.

As evidence, they attached an exhibit of a cardholder agreement with Orchard Bank.  Nowhere on the agreement was there any signature or endorsement of any kind.  I later learned, through internet research, that Spilg, McAllister and Fink file hundreds of these lawsuits annually, and they will sometimes attach the same generic cardholder agreement as evidence in each case.  

There were also affidavits, which I later learned were endorsed and notarized by various members of Lawrence Spilg's family.   Jennifer Lynn McAllister is Spilg's wife.  Cynthia Rogers is his sister who runs a sewing business, Brian Rogers is her husband, and their son William Rogers works at a Tiger Direct computer store in Vernon Hills, Illinois.  None of these people would be likely to have any form of expertise on whether or not I've had any dealings with Orchard Bank.  In my opinion, the affidavit in question was hearsay.

Unfortunately, I made a grave error.  I did nothing about these lawsuits, and allowed Spilg and HBLC to obtain default judgments.  I later learned that many of the defendants in these lawsuits also never appear, resulting in defaults as well.  As a result of my inaction, my paychecks are now being garnished to pay debts which I do not owe.

My reason for creating this webpage is to inform others who may have similar dealings with HBLC (or JRSI Judgment Recovery Services), Lawrence Spilg, Jennifer McAllister or Steven Fink.  Had I been aware of my rights, and/or had I consulted with an attorney in a timely manner, I would have easily been able to defend myself against HBLC's questionable practices, and they would have had to look elsewhere for another person as described by P.T. Barnum.  

In my opinion, we as Americans have enough problems to deal with:  high unemployment, rising taxes, astronomical gas prices, terrorism and other natural calamities.  People shouldn't have to worry about companies like HBLC trying to collect money from them, with no effort being made to determine if the money is actually owed.