Associated Credit Service

Subject: Re: [redacted] We received an e-mail request from [redacted] on December 15, 2016, at 3:PM, regarding a joint accountShe stated that this account was included in her bankruptcy filed April 19, Bankruptcy is part of a person's Credit Bureau ReportOur report to the Credit Bureau is accurate.In [redacted] e-mail, she requested this account be reported as closed due to the bankruptcyThis is contrary to standard practice and Credit Bureau procedureWe reviewed this joint account and the responsibilities of both partiesWe decided that we can help [redacted] improve her credit profileAs a courtesy to [redacted] , on December 19, 2016, at 1:PM, we requested this item be deleted from her Credit Bureau ReportOn December 21, 2016, at 12:PM, we e-mailed [redacted] that we have requested this item be deleted from her Credit Bureau ReportThis can take up to days for the Credit Bureau to comply.We received an e-mail from [redacted] on January 18, 2017, at 10:AM, stating the account is still appearing on her Credit Bureau Report as openAs a courtesy to [redacted] , on January 19, 2017, at 10:AM, we followed up by requesting this item be deleted from her Credit Bureau Report with Experian, Equifax and Trans UnionWe hope this resolves this matterPlease let me know if there is anything more we can do to help

Subject: Re: [redacted] # [redacted] Mr [redacted] called on January 3, at approximately 2:pm, we did not agree to accept his late payment by January 15, 2017, or negotiate a new payment planThe agent did not have the authority to make any changes to Mr [redacted] current payment planMr [redacted] told the agent that the agent was not working with himMr [redacted] requested that a supervisor call him backMr [redacted] then chose to file a complaint with the Revdex.com instead of waiting for a call back.We have set up a variety of payment plans for Mr [redacted] as he has called this office six (6) times; On July 22, 2016, at 8:am, we agreed with Mr [redacted] to set up $per month starting August 15, We did not receive any payment by August 15, or September 15, 2016, or October 15, On October 27, 2016, at 3:pm, we agreed with Mr [redacted] to set up $per month starting November 5, We did not receive any paymentOn November 11, 2016, at 2:pm, we agreed with Mr [redacted] to accept his late payment by November 17, We did not receive any paymentOn November 23, 2016, at 1:pm, we agreed with Mr [redacted] to accept his late payment by December 2, We did not receive any paymentOn December 12, 2016, at 8:am, we agreed with Mr [redacted] to accept his late payment by December 15, We did not receive any payment.On December 19, 2016, at 8:am, Mr [redacted] said he can make his late payment by December 23, We did not agree with Mr [redacted] to accept his late payment by December 23, On December 19, 2016, at 4:pm (same day), Mr [redacted] made his late paymentMr [redacted] was advised that his next payment is due January 5, 2017.Mr [redacted] called on January 3, at approximately 2:pm, we did not agree to accept his late payment by January 15, 2017, or negotiate a new payment planThe agent did not have the authority to make any changes to Mr [redacted] current payment planMr [redacted] told the agent that the agent was not working with himMr [redacted] requested that a supervisor call him backMr [redacted] then chose to file a complaint with the Revdex.com instead of waiting for a call back.At approximately 3:pm, only minutes later, the owner and Vice President, David S [redacted] , called Mr [redacted] back and agreed with Mr [redacted] to accept his late payments by January 12, and January 26, MrS [redacted] also agreed to set up a new payment plan, $per month starting February 15, We can really appreciate Mr [redacted] and the effort he is making to make paymentsHe is trying very hard to pay off this account and we are trying very hard to accommodate himIf you think there is anything else we can do to assist him, please let us know.Thank youJon S [redacted] President

Our client provides financial assistance that can include charitable write-offs Our client can set up payment plans at 0% interest All they have to do is respond to letters and notices Failure to respond will result in the accounts being assigned for collection Date of transaction was 6/1/ These accounts were listed on 9/24/and accrue interest at 12% per annum We received (2) $payments on 10/13/ We talked to [redacted] on 11/19/10, and she agreed to $monthly payments starting 12/15/ No further payments were made and there was no response to our letters We talked to [redacted] on 9/8/and she requested a statement of account and she would call back to set up a new payment plan There was no response to our statement or letters We left a message for [redacted] and was told that he will not call us back We have called several times in the last (4) years but voice mail was full On 2/28/they paid our client $ On 10/22/they paid our client $ We have received no further payments On 4/27/I called and [redacted] said he will not pay us because he is paying other hospital bills Per his request, we sent a statement of account On 5/17/ [redacted] called and spoke with Bernadette She was upset that we sent a statement of account She called Bernadette some names and hung up There is not much more we can do if they do not set up a payment plan and make payments as agree