Asap Appraisals

Notice of Automatic Wage Garnishment (AWG) was sent to Ms [redacted] She did not respond until November, which was too late to avoid AWG She was advised of her options, including the Loan Rehabilitation Program and a request for a hearing Ms [redacted] expressed that she did not want to do the rehabilitation program and failed to send a written request for a hearing As a result, AWG continues We will again try to assist Ms [redacted] in setting up a payment arrangement/resolution that will help suspend AWG or if she prefers, we can assist in requesting a hearing Ms [redacted] needs to discuss this matter with our agent

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I was under the impression that all of my loans had been consolidated, But somehow this one was not includedI am only able to pay $a month on these Sincerely, [redacted]

We regret that [redacted] is unsatisfied with our response to his complaint, however, we do not have any additional information to provideWe have reviewed the additional comments he submittedOur response remains unchanged

[redacted] settled his account on August 17, The credit bureau was notified of the settlement on August 24th Please allow up to days for the credit bureau to update the information In the mean time, we have sent a letter to [redacted] confirming that the account is settled in full

To date, November 16th, our representative placed two calls in an attempt to reach [redacted] regarding her delinquent ADS account An unidentified female at the first number told our representative that the number did not belong to [redacted] Our representative then called another number and left a voicemail for [redacted] The call has not been returned and no other calls have been placed to [redacted] regarding this account In the past, our agency has handled two additional delinquent accounts belonging to [redacted] Both accounts were closed with no resolve: one in December and the other in June Should you have questions, please feel free to contact me

Complaint: [redacted] I am rejecting this response because: I just dont feel that ethical practices were used to notify me of payments! I have tried to contact you on my own, which is on fileI also have not recieved any mail inregards to a account thats in defaultI not pleased with how my account is beinging handledI have marks on my credit that are hindering from purchasing nesscesities that I need to sustain, and its not fair that I wasnt given the proper opprotunity to avoid that! Sincerely, [redacted] ***

Since December 2017, our agency has been attempting to help Ms [redacted] resolve her delinquent student loanOur attempts to discuss the loans with her have not been successful To date, Ms [redacted] has phoned our office three times; only one of which a message was left for a return call The voice message was left two days ago Our agent is attempting again to reach her by phone On May 18th, her loans were submitted for Administrative Wage Garnishment (AWG) On the same date, a notice was sent to notify her that the AWG process has been started Per the notice, in order to avoid wage garnishment, Ms[redacted] has days from the date of the notice (5/18/2018), to set up a payment plan/resolutionRegarding her credit concerns, our agency is not reporting her loans to the credit bureau The U.SDepartment of Education is reporting the loans Our agency does not control or determine what is being reported on her credit Tell us why here

We believe Ms [redacted] is confusing our agency with another collection agency or the current creditor Our agency is not reporting this account to the credit bureau The creditor recalled her account several months ago For additional information, Ms [redacted] may contact the current creditor, [redacted] [redacted] , at ( [redacted]

As previously mentioned, we have asked the creditor to provide detailed account documentation Once received, we will forward copies to [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I accept the arrangement I hope any further conversations concerning this matter will be conducted with respect and understanding If the conversation cannot be conducted with common sense then I will contact the Revdex.com for assistance again! Sincerely, [redacted]

DOA - 1/25/2016CLIENT - Autopay ServicesASSIGNED BALANCE - $3, [redacted] took advantage of a settlement offer that allowed him to pay $2,as settlement in full on his delinquent account Our representatives made it very clear to [redacted] that the creditor, not our agency, is reporting the account to the credit bureau It was explained to him that the creditor will be notified of the settlement of his account within approximately days of payment Once notified, the creditor will update the account on his credit report as a settled in full account At no time was [redacted] told that the account would be removed from his credit [redacted] paid the settlement on 11/30/ The payment was returned by his bank due to insufficient funds [redacted] replaced the bad check on 12/5/ Once it is verified that the second check has cleared, his account with Autopay Services will be considered settled in fullThe creditor will be notified of the settlement and his credit report will be updated

Cascade Receivables Management placed Ms [redacted] 's delinquent [redacted] account with our agency for collection The account is for treatment of a tobacco use disorder on February 8, We have requested additional account documentation that will be forwarded to Ms [redacted] In addition, the account will be removed from her credit report until the dispute is resolved

Ms [redacted] will not receive phone calls from PBCM at her place of employment

April 18, Revdex.com Serving Denver/Boulder EFlorida Ave., SteDenver, CO Re: [redacted] Case #: [redacted] RE: [redacted] Dear Revdex.com, Professional Bureau of Collections of Maryland, Inc(“PBCM”) is in receipt of your notice of a complaint from [redacted] ** PBCM is in need of more information i.ethe phone number [redacted] is alleging we are calling in order to investigate this complaint Sincerely, [redacted] Quality Assurance Manager Professional Bureau of Collections of Maryland, Inc [redacted] Phone ###-###-####

November 30, Revdex.com of Denver/Boulder Cherokee St Denver, CO 80204- Re: [redacted] Case #: [redacted] RE: [redacted] Dear Revdex.com, Professional Bureau of Collections of Maryland, Inc("PBCM") is in receipt of your notice of a complaint from [redacted] We would like to thank you for bringing this matter to our attentionWe value customer feedback and strive to improve both as a company and representative for our clients In response to the consumer complaint received by PBCM from [redacted] ***, the consumer is incorrect in her assessment of the legal rights to pursue her debtThe filing date is clearly within the two year Statute of Limitations for collections on the consumer debt created by written instrument and the agreement which was extended to allow more time for [redacted] to repay the debt plus interest in fullHowever, [redacted] failed to repay the debt and interest on or before the agreed upon date thus resulting in a breach of contract and the current cause of action Sincerely, [redacted] Quality Assurance Manager Professional Bureau of Collections of Maryland, Inc [redacted] Phone [redacted] ***

[redacted] placed a delinquent [redacted] with our agency The following is the account information: [redacted] ** [redacted] ** [redacted] ** [redacted] Balance due: $Our representative explained to Mr [redacted] that the account is an older [redacted] account assigned by [redacted] , not [redacted] It was also explained that [redacted] has been notified of the dispute and a request for account documentation has been submitted Once the documentation is received, it will be forwarded to the [redacted] address for review In addition, the credit bureau has been notified to remove the account until the dispute is resolved When Mr [redacted] submitted his complaint, we noted that he added "**.", to his nameWe have forwarded this information to [redacted] to include in their investigation of the dispute

Ms [redacted] delinquent student loan was placed with our agency on January 28, To date, Ms [redacted] has not responded to any letters or phone messages from our representative In addition, on July 21, 2017, the US Department of Education sent her a letter explaining a proposed treasury offset that would take place if she did not enter into a payment arrangement Ms [redacted] had days from July 21st to enter into the required arrangement She failed to respond and the offset moved forward On 2/23/2018, her spouse called PBCM and the Department of Education to inquire about getting a refund of the offset He was told that there will be no refund issued Regarding credit reporting, our agency does not report for the US Department of Education It is possible that the loan is being reported by the Department of Education

In response to the consumer complaint received by PBCM from [redacted] on October 20, 2016, PBCM is willing to accept monthly payments of $provided that payments are made on time each and every month This is a temporary payment arrangement due to [redacted] ***’s financial situation and will be reviewed for an upgrade in payment or pay-off every ninety (90) days The first payment of $is due on or before 10/28/

Complaint: ***
I am rejecting this response because:I am waiting to receive the documentation from *** ***
Sincerely,
*** ***

Notice of Automatic Wage Garnishment (AWG) was sent to Ms***. She did not respond until November, which was too late to avoid AWG. She was advised of her options, including the Loan Rehabilitation Program and a request for a hearing. Ms*** expressed that she did not
want to do the rehabilitation program and failed to send a written request for a hearing. As a result, AWG continues We will again try to assist Ms*** in setting up a payment arrangement/resolution that will help suspend AWG or if she prefers, we can assist in requesting a hearing. Ms*** needs to discuss this matter with our agent