Blitt and Gaines, P.C.

Initial Business Response / [redacted] (1000, 5, 2015/09/11) */ Thank you for apprising us of Mr [redacted] 's father's concernsIt is important to clarify that neither Jeffrey or Richard [redacted] are our customers; our client is Portfolio Recovery Associates, who has retained our firm to represent them in a matter seeking recovery of amounts allegedly due on a credit card obligationOur client purchased the defaulted account from [redacted] , which appears to have issued Mr [redacted] a [redacted] card We appreciate Mr [redacted] 's efforts to negotiate on behalf of his son although public disclosures of settlement discussions and financial circumstances is something we discourageWe understand Mr [redacted] is seeking information about the underlying account and wants to receive it quicklyHowever, Mr [redacted] is likely unaware that we sent a letter to his son regarding the account on June 16, We also made two calls in late JulyWhen we received no response to these inquiries, our client authorized us to file suit on August 5, Both the letter and the summons were directed to the same address meaning that it was not until service of the complaint that we were able to communicateUnfortunately, had Mr [redacted] responded to the earlier letter and calls, we might be further along in the settlement process and the lawsuit might have been avoided As with all of our clients, if Mr [redacted] or his father wish to submit hardship information so that we can consider a different settlement figure we are happy to do soHowever, out of concern for his son's privacy, we will not engage in settlement negotiations on the Revdex.com website Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/09/14) */ (The consumer indicated he/she ACCEPTED the response from the business.) I would certainly appreciate any information on hardship as in numerous discussions with Portfolio Recovery and Blitt and Gaines there was never any information shared about possible hardship considerationPerhaps if this were shared or they had made an attempt to settle this action on reasonable terms this legal action and Revdex.com complaint could have been avoided Please ask whomever handles hardship to send us any forms or direction on hardship applications and in the interim withhold future legal pending a review of hardship qualifications and/or either party's rejection of either party's final offer and/or acceptance of a fair settlement

Initial Business Response /* (1000, 5, 2015/07/02) */
Thank you for apprising us of Ms***'s concernsIt is important to clarify that Ms*** is neither our client nor customer; our client is *** *** LLC who has retained our firm to represent them in a matter seeking recovery of
amounts allegedly due on a credit card obligationNevertheless, we are happy to assist in this process
Ms*** is correct that she is not the party our client is seekingHer phone number was identified as the number for a different person in the officeWe have removed her number from that file and from our systemShe should receive no further calls

Initial Business Response /* (1000, 6, 2015/09/28) */
Thank you for apprising us of Mr. [redacted]' concerns. It is important to clarify that Adam [redacted] is not ourcustomer; our client is Asset Acceptance, LLC, who retained our firm to represent them in a matter seeking recovery of amounts allegedly due...

on a credit card obligation. Our client purchased the defaulted account from Gordmans as assignee of World Financial Network National Bank, which appears to have issued Mr. [redacted] a Master Card.
We appreciate Mr. [redacted]' efforts to negotiate this matter; although, public disclosures of settlement discussions and financial circumstances is something we discourage. We understand Mr. [redacted] is seeking information about the underlying account, specifically service, and wants to receive it quickly.
On November 21, 2010, substituted service for the lawsuit was made upon Mr. [redacted]' brother, Dennis [redacted], at [redacted] Imperial, Missouri. A judgment was taken on May 2, 2011, in the amount of $1,416.09. This judgment is made up of principal of $1,104.56, interest of $138.62, attorney's fees of $172.91plus court costs. Interest continues to accrue on the judgment at the rate of nine percent (9%) per annum. A copy of the judgment for the account was mailed to Mr. [redacted] on May 24, 2011.
On September 9 and 10, 2015, Mr. [redacted] contacted this firm to inquire about possible settlement. On each day he gave different reasons for a settlement; first bankruptcy and second he was attempting to purchase a home. Unfortunately, had Mr. [redacted] responded to the letter in 2011, we might be further along in the settlement process.
As with all of our clients, if Mr. [redacted] wishes to submit hardship information so that we can consider a different settlement figure we are happy to do so. However, out of concern for his privacy, we will not engage in settlement negotiations on the Revdex.com website.

Initial Business Response /* (1000, 7, 2015/07/02) */
Thank you for apprising us of Mr. [redacted]'s concerns. It is important to clarify that Ms. [redacted] is neither our client nor customer; our client is [redacted] LLC. who has retained our firm to represent them in a matter seeking recovery...

of amounts allegedly due on a credit card obligation. Nevertheless, we are happy to assist in this process.
In reviewing the complaint, Mr. [redacted] is correct in that he settled the matter. The day after we received the payment, it was it was placed for preparation of a release of judgment. Our records show it was prepared seven days later. It has been the firm's practice since its inception to file releases of judgment on all matters even though the law only requires a release when the judgment debtor requests it. To the best of our knowledge, this release was sent to the courts for signature by a judge.
In late May, we prepared another release. In response to this complaint, we had an attorney appear in court on June 16, 2015 and enter a release on an emergency basis. We have sent the release his attorneys on June 16, 2015.
We apologize for the delays. As noted, we file releases on hundreds of cases a year, so it is unclear why this release was not processed.

Initial Business Response /* (1000, 5, 2015/09/11) */
Thank you for apprising us of Mr. [redacted]'s father's concerns. It is important to clarify that neither Jeffrey or Richard [redacted] are our customers; our client is Portfolio Recovery Associates, who has retained our firm to represent them in a...

matter seeking recovery of amounts allegedly due on a credit card obligation. Our client purchased the defaulted account from [redacted], which appears to have issued Mr. [redacted] a [redacted] card.
We appreciate Mr. [redacted]'s efforts to negotiate on behalf of his son although public disclosures of settlement discussions and financial circumstances is something we discourage. We understand Mr. [redacted] is seeking information about the underlying account and wants to receive it quickly. However, Mr. [redacted] is likely unaware that we sent a letter to his son regarding the account on June 16, 2015. We also made two calls in late July. When we received no response to these inquiries, our client authorized us to file suit on August 5, 2015. Both the letter and the summons were directed to the same address meaning that it was not until service of the complaint that we were able to communicate. Unfortunately, had Mr. [redacted] responded to the earlier letter and calls, we might be further along in the settlement process and the lawsuit might have been avoided.
As with all of our clients, if Mr. [redacted] or his father wish to submit hardship information so that we can consider a different settlement figure we are happy to do so. However, out of concern for his son's privacy, we will not engage in settlement negotiations on the Revdex.com website.
Initial Consumer Rebuttal /* (2000, 7, 2015/09/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I would certainly appreciate any information on hardship as in numerous discussions with Portfolio Recovery and Blitt and Gaines there was never any information shared about possible hardship consideration. Perhaps if this were shared or they had made an attempt to settle this action on reasonable terms this legal action and Revdex.com complaint could have been avoided.
Please ask whomever handles hardship to send us any forms or direction on hardship applications and in the interim withhold future legal pending a review of hardship qualifications and/or either party's rejection of either party's final offer and/or acceptance of a fair settlement.

Initial Business Response /* (1000, 7, 2015/07/14) */
Thank you for apprising us of Mr. [redacted]'s concerns. It is important to clarify that Mr.[redacted] is not our customer; our client is [redacted] who has retained our firm to represent them in a matter seeking recovery of amounts allegedly due...

on a credit card obligation. As always, are happy to assist in this process.
In reviewing the complaint, Mr. [redacted] is correct in that he settled the matter. Our records reflect a release of judgment was prepared on April 2, 2015 and, when no file stamped copy was returned to us, re-prepared on May 18, 2015. In light of a parallel request through a filing with the CFPB, we have submitted another release on July 8, 2015. To be clear, it has been the firm's practice since 1996 to file releases of judgment on all matters even though the law only requires a release when the judgment consumer requests it. To the best of our knowledge, this release was sent to the courts for signature by a judge.
In response to this complaint, we will have an attorney appear in court on July 16, 2015 and enter a release on an emergency basis.
We apologize for the delays. As noted, we file releases on hundreds of cases a year, so it is unclear why this release was not processed.
Initial Consumer Rebuttal /* (2000, 9, 2015/07/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for the immediate attention. It is just as important that Blitt & Gaines inform their client, [redacted] the status of this account as my credit report is reporting a balance with [redacted] and this is hurting my credit score and not allowing me to purchase a home.

Initial Business Response /* (1000, 8, 2015/05/11) */
[redacted] are not our customers; our client is[redacted], who has retained our firm to collect upon a sum owed to [redacted] Hospital. While we are happy to assist, it is unclear why this complaint was filed as it apperars that prior to...

filing this complaint we had resolved her concerns.
Mr. [redacted] did enter into a payment arrangement when he was in court in January to pay $40.00 a month and it appears they did make payments. However, they sent those payments to the clerk of the court, not our office. It is our understanding they believed the clerk would forward the checks to our office. Unfortunately, the clerk did not send them to our office. As a result, our office filed a post-judgment action to collect on the balance, under the impression the [redacted] had not paid.
Within 24 hours of speaking with Mrs. [redacted], we sent an order to dismiss the bank garnishment, release the funds and paid the $100.00 processing fee the bank had charged the [redacted] The clerk's office acknowledged the payments should have been sent to us.
We apologize for the inconvenience occasioned by this situation. We believe the surrounding circumstances explain why it occurred. Going forward, we would request the payments to be made directly to our office:
Blitt and Gaines, P.C.
[redacted] XXXXX
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