Centron Services, Inc.

[redacted] and [redacted] are two most unprofessional people I have ever spoke with. Mr. [redacted] told me the my adopted son was not mine by saying that I was NOT his "real" mother. Then went on to make fun of my accent by saying "git r done" when I asked to speak to his manager Who is Mrs. [redacted]. Which she obviously had no intentions to speak with me about the attitude of Mr. [redacted]! I feel like I was completely downgraded by these two individuals. When I called back to ask to speak with a [redacted] (which Mr. [redacted] told me was the manger) I spoke with a [redacted] that told me I'm not the biological mother and he couldn't speak to me and we were just going in circles and was " I done yet"! I even told these people I could pay the bill but they would rather but rude and not listen to me. This is the worst customer service experience and unprofessional staff!

Review: I was served over 5 years ago for a debt. Just about 2 months ago, I get my paycheck and see that I am being garnished from Centron Services. I called and asked them why I was never informed that it was going to happen. They said I was served 5 years ago. Why after 5 years could I not have been notified? Then they said I had another account with them for a little over $200. I asked them on 2 different occasions if when I was done paying off the other one, if I could set up payments for the new one. They said yes both times. Well I just recieved a letter in the mail again from Centron saying they are levying my paychecks for a total of $247.83. I am still being garnished for the first one. I have 3 children at home and can barely breath with the money they have been taking each month. They were taking a little over $400 monthly. I offered to make payments on this one and they agreed that we could set that up when I was done paying the other off. Why am I now being garnished again?Desired Settlement: I would like to make payments and not be garnished for this second account. I was told I could arrange payments after my first account was paid, which this week will be the last payment of it.

Business

Response:

Dear Mr.[redacted],

Thank you for providing us with Ms. [redacted]’s complaint

and allowing us an opportunity to further assist her regarding her collection

accounts.

Ms. [redacted] is correct in that she was served on January

20, 2009 which ultimately led to our office obtaining judgment case number

[redacted] on February 13, 2009 from [redacted] County Justice Court. At the time this judgment was obtained, our

records indicated that Ms. [redacted] worked for [redacted]. Our writ of execution authorizing garnishment

of her wages was returned to us on July 2, 2010 referencing that Ms. [redacted]

was no longer employed with [redacted].

Due to this, no funds were received.

We maintained additional calls, letters, and skip tracing attempts

through November 3, 2010 when the accounts fell into a dormant status due to a

lack of response from Ms. [redacted]. On

July 14, 2014 a new collection account was placed with our office containing

new information regarding Ms. [redacted]’s whereabouts. This reactivated her previously dormant

file. We attempted a phone call to her

on July 24, 2014 to a cell phone number provided of ###-###-####. As Ms. [redacted] had not previously volunteered

payments since her files original inception on January 28, 2008, and the fact

that we have an active and unsatisfied judgment, our next step was to issue the

writ of execution once again.

It is not customary in our normal course of business, nor

is there a court requirement, to provide consumers with notification that their

assets are to be levied. The summons and

complaint, as well as the judgment being filed with the courts, is sufficient

record of reflection to the consumer that our intent is to effectuate payment

through the court system.

At the present time, Ms. [redacted] has a total balance

owing with Credit Systems of $779.17.

This includes a current balance on her judgment of $552.13 and a newer

account that is not included with her judgment totaling $227.04. A third party processing server agency

manages the writ of execution and they are required to hold funds for an

extended period of time before they are able to issue those funds to us. They maintain an accurate balance to follow

through with the satisfaction. Because

of these held funds, the balance in our office does not likely reflect Ms.

[redacted]’s accurate balance remaining on her judgment.

The notification Ms. [redacted] received regarding a

continuation of her garnishment is due to the judgment not yet being satisfied. After full satisfaction of her judgment has

been received, notice of this satisfaction will be filed with the [redacted]

County Justice Court.

We apologize for any inconvenience that this situation

has caused Ms. [redacted]; however, Ms. [redacted] had not worked with our office to

establish a suitable arrangement for voluntary payments at any point in time. She is correct in that we will consider a

payment agreement on her portion of the balance that is not included in her

judgment. Whether she wishes to

establish that now, or after her judgment has been satisfied, is up to her. Ms. [redacted] was also informed that if the

judgment is not fully satisfied within the 120 day issuance period of the writ

of execution, she may contact us in order to attempt to work out a payment

agreement for the remaining balance of her judgment, as well. Without a suitable agreement, the writ of

execution will continue to be reissued until satisfaction of the full judgment

balance has been received.

Regarding Desired Settlement:

There is nothing hindering Ms. [redacted] from reaching a

payment agreement on the non-judgment portion of her balance at this time. If she so chooses, she is welcome to contact

us at any time to attempt to work out a suitable payment agreement. Any payment agreement, however, will not

allow for her wage garnishment to cease until the judgment is satisfied or the

writ of execution issuance period of 120 days has expired.

Again, we appreciate the opportunity to assist the Ms. [redacted]’s

in the collection of their debts.

Thank you,

Collection Department Supervisor

Centron Services, Inc. d/b/a Credit Systems

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received, your complaint will be closed Administratively Resolved]

Revdex.com,

I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

I called and spoke with someone this morning about the paper I recieved in the mail showing a balance of 247 and some change. I guess I am frustrated because I do not understand what that is for. She made it sound like they would keep taking money from my paycheck until it showed paid in full. Although on my pay stubs since August or whenever this began, I have been getting almost $400 monthly taken out of my check for this debt. According to my records, I only owe around $74 more dollars till this is paid in full. I just need to understand that although according to my records, I only owe that much more, will they continue to take money from me till THEY recieve it? And if so, do I get refunded the extra amount that was taken from my pay check? This has put a real burden on my family. We just had a baby 2 months early back in April, and medical costs have been astronomical with her being in the NICU for the first 32 days of her life. And now she is in daycare, and I am trying to keep food on the table for my 3 children, boyfriend and myself, ontop of everything else. I understand that you needed to fulfill the judgement, and I have no problem paying it, but $400 a month is a huge huge hit! I just need to know when this will be fulfilled for you. Because according to my pay stubs, this week will be my last payment on this judgement, and it should not exceed $75.00, and if it does will I recieve that money back?

Regards,

Review: I have been trying to set up a payment plan with these people and since I don't have a bank account and I only have a prepaid credit card they tell me I have to fill out a special form so I ask them to send me the form. they tell me that they are sending it and it never arrives. This is the only piece of mail that I NEVER seem to get. All of my other mail is delivered to my address. I ask them if they can fax me the form or email me the form so I can fill it out and mail it back with my credit card information so I can stop the interest from accruing and they tell me they are not allowed to fax or email a secure form. until this form has my personal information on it then its not a secure form it is actually a blank piece of paper. so now here it is a week after my second request for this form and I still do not have it. Each time I call they tell me the form has been mailed. I do not believe this form has been mailed to me or I would have it by now. I have verified my address with them several times. I really want to get this account paid and they seem to be holding up the process so that they can continue to collect the interest.Desired Settlement: all I want is the form to fill out so that I can stop the interest from accruing.

Business

Response:

Dear Mr. [redacted],

Thank you for providing us with Ms. [redacted]’s complaint and

allowing us an opportunity to further assist her regarding her collection

accounts.

Credit Systems did request our electronic payment

authorization form be sent to Ms. [redacted] on February 20, 2015. According to

our letter vendor, it was processed on February 23, 2015 and mailed to the

address Ms. [redacted] provides in her complaint of [redacted]. We do anticipate her return of this document and request that she

contact our office by March 3, 2015 if she has not received it. If it has

not arrived by that time we will certainly work with her in attempting to get

this document to her in another fashion.

Regarding Desired Settlement:

As mentioned above, the documentation Ms. [redacted] references

should be arriving shortly and we encourage her to contact us if it does not

arrive.

Again, we appreciate the opportunity to assist the Ms.

[redacted]’s in the collection of their debts.

Thank you,

Collection Department Manager

Centron Services, Inc. d/b/a Credit Systems

Review: Centron Services has a collection notice in the amount of $5599.00 on my credit report. The collection involves service provided by [redacted], [redacted]

The service performed was relocating an overhead powerline. Warranty Deed was presented to [redacted] engineer on my property which was filed 8th day of January 1973, County of [redacted] , State of Montana in which [redacted] Subdivision is subject to utility easements 10 feet in width along the outer boundary. I requested that [redacted] move the powerline in question prior to construction of a garage. I also expressed my concern about the weathered power pole which was split in excess of 1.5 inches extending over seven ft form the ground. There were numerous cracks and splits near the location where the two lines were anchored on the pole. Not only was the pole not witin the easement; the physical condition presented a hazard.

The powerline was 59ft off the easement recorded. [redacted] moved the line on 9/11/2008 within the boundary easement. [redacted] also moved an additional feeder line to the main house which wasn't code regulations. The itemized bill I received from [redacted] after numerous requests included both lines and poles used in the relocation totaling $5,599.00.

[redacted] Easement Department has repeatedly advised that there is no record of any such easement. [redacted] has stated that the lines were installed in 2001. This is inaccurate information because I purchased the property in 1997 with the existing house.

Please remove the collection notice from my credit immediatelyDesired Settlement: Remove collection from my credit rating

Business

Response:

Dear Mr.[redacted],

Thank you for providing us with Mr. [redacted]’s complaint

and allowing us an opportunity to further assist him regarding his collection

accounts.

In Mr. [redacted]’s complaint he suggests that he provided

[redacted] with documentation regarding a Warranty Deed for the

property in question. He also provides a

detail of the services he believes to have taken place.

Credit Systems received a dispute addressing similar

claims from [redacted] with [redacted] on Mr. [redacted]’s behalf in

August of 2009. We provided this dispute

to [redacted] General Office in August of 2009. [redacted] General Office responded

to Mr. [redacted]’s dispute in October of 2009 which we promptly forwarded to Mr.

[redacted] that same month. Their response

addressed the disputes that Mr. [redacted] had presented on behalf of Mr.

[redacted]. We heard nothing back from Mr.

[redacted] or Mr. [redacted] after this information was sent. Please find a copy of [redacted]

General Office’s response attached to this response.

Regarding Desired Settlement:

This item will not be removed from Mr. [redacted]’s credit

file as it is a valid bad debt collection account and remains due and owing at

this time.

Again, we appreciate the opportunity to assist Mr. [redacted]

in the collection of his debts.

Thank you,

Collection Department Supervisor

Centron Services, Inc. d/b/a Credit Systems

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received, your complaint will be closed Administratively Resolved]

Revdex.com,

I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.] Centron Services Inc failed to address the facts presented in the original complaint. The attached email from [redacted] does not address the utility easement. This recorded easement was presented to [redacted] before the overhead line was relocated within the easement boundary. Please find a copy of the recorded easement attached. My lot number is #** which is included.

I request that you investigate and provide the identification number on utility pole that was removed and replaced by the new one. The original utility pole was not within the 10ft easement boundary.

Regards,

We own a business in Helena and have used Centron as our collections agency for a couple of years now. They have been incredible. As hard as we work to not send people to collections, there are some cases where it is necessary. Our Centron representative stops in our office about once a month to give us an update on everyone's account, which is so nice to be kept in the loop. They have collected on many of our cases, whereas the last collection agency we worked with did not collect a singe penny. We are beyond pleased with their service.

Review: I had a payment agreement on my account with Credit Systems of Helena, a division of Centron Services. They recently sent a bill that added [redacted]'s account to mine because they stated that they could not find him. Because I was paying MY bills, they just added his to mine. They have made no attempts to collect his debts directly from him. He called up to make a settlement agreement on the account and they called back with a verbal agreement to settle one bill on the account for $25.00. They invited us to call back to offer settlements on any other bills. They refused to issue the settlement agreement for the one bill in writing. When we called back shortly afterwards to settle two more of the bills on that account, we were informed that they will not settle any portion of the account unless we settle the entire account. Since this information conflicted with the information we had just received, we again asked for the original settlement agreement in writing. They have refused to provide that. We called the original creditor and they verified the settlement agreement. They even called Credit Systems to request a settlement agreement be sent to us in writing and Credit Systems still refused to provide the settlement agreement in writing. Based on the conflicting information we keep getting on this account and their refusal to put anything in writing, we feel it is risky to pay this company any longer. However, not paying the company the debts will ill affect our credit ratings.Desired Settlement: I am requesting a written explanation of all charges, itemized by date and who the charge was originally billed to on the account. I am also requesting that all correspondence be in writing, including a written settlement agreement whenever once is reached with this company on each individual bill under this account. Getting these items in writing is the only way I can prove the settlement agreement was, in fact, agreed to and it is the only way I can guarantee the funds will be dispersed according to our agreement.

If they refuse to put things in writing, we are respectfully requesting that they hand our accounts back over to the original creditors so that we may handle them in writing with those creditors.

Business

Response:

Dear Mr. [redacted],

Thank you for providing us with Mrs. [redacted]’s complaint

and allowing us an opportunity to further assist her regarding her collection

accounts.

Mrs. [redacted] first suggests that [redacted] was

added to her account file because we were unable to locate Mr. [redacted]. This is false. Mr. and Mrs. [redacted] have shared an account

file since 1998. Our primary focus for

collections is medical debt. Montana

State law allows for both parties in a marriage to be held responsible for the

collection of necessities of the family.

This includes medical debt. Both

Mr. and Mrs. [redacted] are jointly responsible for the debts associated with

their account file and this position has not changed since the account file

originated. We have continued to make

attempts to collect against both parties.

The reason the particular account Mrs. [redacted] is referencing did not

directly appear on their previous letters is due to the formatting of our

letters. Letters sent from our office,

unless manually processed, only directly identify a limited number of creditors

and dictate that other creditors exist, providing a total balance for these

additional creditors. As the [redacted]’s

continued to pay accounts within their file, and the number of owing creditors

decreased, new creditors would present on subsequent letters. We apologize for any confusion this may have

caused.

Mr. [redacted] did present a settlement offer on an

individual account for an individual creditor in the amount of $25.00. This individual account is the only account

owed to this particular creditor. The

settlement was accepted by the creditor and Credit Systems will honor this

agreement. A letter regarding the

settlement of the account was not sent because a letter addressing a single

account would imply that the [redacted]’s have no additional collection accounts

listed with Credit Systems. This would

be inaccurate. During a telephone

conversation between Mr. [redacted] and [redacted] on March 3, 2014, Mr.

[redacted] explained this information to Mr. [redacted] as well as provided

alternative methods for assuring his payment would be handled appropriately

including an offer for a receipt of their payment that will reflect the

appropriate account paid.

Mrs. [redacted] goes on to suggest that we have provided

conflicting information regarding our settlement policies. The [redacted]’s were invited to submit offers

for settlement on their accounts. The

offer Mrs. [redacted] is referencing is an offer that Mr. [redacted] made towards

two accounts for an individual creditor that has five separate accounts listed

with our office for collections. Our

policies regarding settlement, as well as the policies of our creditors, are

that offers will only be entertained if it is an “in full” situation. This means that an offer must be made against

all of the accounts listed by any particular creditor in question. This is also contingent on whether or not the

creditor is willing to entertain settlement offers at all. Mr. [redacted] was made aware of this policy during

multiple telephone conversations with our office. As an offer on only two of the five accounts

was made, we will not bring Mr. [redacted]’s offer to the creditor.

We are sorry that Mrs. [redacted] feels it is risky to

continue paying our company for their collection accounts; however, the

accounts will remain in collections. If

the accounts remain unpaid, normal collection efforts will continue on the

accounts. The option to pay towards

their account file is up to the [redacted]’s to decide.

Regarding Desired Settlement:

Mrs. [redacted] requests a written explanation of all

charges, itemized by date and who the charge was originally billed to on the

account. This information was mailed to

the [redacted]'s on February 28, 2014. If the [redacted]’s feel that the information

our office has sent is insufficient, we request that the [redacted]’s please

contact our office directly for clarification on their request.

Mrs. [redacted] requests that future communication be done

in writing. Mr. [redacted] made this

request during his conversation with Mr. [redacted] on March 3, 2014 and the

accounts were documented in this capacity.

Calls have not been placed to the [redacted]’s since this time. We will continue to honor the [redacted]’s

request to communicate only in writing.

Again, we appreciate the opportunity to assist the

[redacted]’s in the collection of their debts.

Thank you,

Collection Department Supervisor

Centron Services, Inc. d/b/a Credit Systems

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business' response. If you wish, you may update it before sending it.]

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.

Regards,

I have to say this company overall has been fair and civil in there collection efforts but there is one employee named [redacted] who is an absolute bully, rude, disrespectful jerk that no one should have to endure his bulliness when collecting on a debt. I dealt with him 4 yrs ago on a bill, unless its his way, its no way and again, same thing, so this time im going to take it to court, because I have been paying on this bill to the provider direclty and they want to collect with 10% interest not to mention treat you like a piece of crap. I'd be more apt to work with this company if that clown was no longer handling my case, or employed by this company,now I'm done. I'd rather go to court and show my documentation. NO one deserves to be treated so horribly by a collection agency especially when they HAVE BEEN paying on their bills.

Review: I received a call from [redacted] with Credit Systems advising me that my payment January was not received. I told him payment was sent January 6th. He stated they did not receive it again I advised it was sent along with my 2nd request for a copy of an itemized bill statement showing how my payments are being applied.He stated that he received my request but not my payment.I advised him then you got my payment because it was with the letter.It was a signed credit card auth for $50 from my [redacted] credit card from [redacted] stated they dont take payments from [redacted] accounts, but they took pymt in Dec? I stated that its not a [redacted] account,its a mastercard connected to my [redacted] savings account with [redacted] to make pymts on my medical bills, its just CC.He stated third party companies collecting payments cannot except pymts from [redacted] accounts. So I told him I would have to send a check. He stated they dont do breakdowns, because its too much work for them to do. I again advised I want a copy of my payments, how there being applied, etc as from my Dec payment, the court papers says I owe $389.26,I paid my $50 dollars, I get a statement for Jan reflecting payment due $360.90? So,only $28.36 was applied to my bill and $21.64 was applied to what?I have no idea how they are applying my payments.My $50 for January that is now past due & probably accruing a fine for, because they stated they dont take [redacted] payments, which no were on their statements, court papers, collection letters, etc state that form of payment is not acceptable? There letter states Payments can be made with cash, money order, personal check or credit card.I agreed to make pymts for $50each month for my bill, the court papers states $389.26, plus interest rate of ten (10%) percent per annum from & after the date of judgment & accruing costs. So whats the interest rate, whats the accruing cost, etc? How come Im not entitled to this information or how payments are being applied or why only half pymt was applied.Desired Settlement: I would like to know what Im paying for the interest, the payments how they are applied since half of my payments are going somewhere other than my bill apparently. I've requested several times for [redacted] not to contact me, that continues to be ignored, he's rude and unprofessional and causes undo stress. And I shouldn't have to pay a late fee because they failed to state they dont take [redacted] Credit Card Payments, they waited 7 days after the due date to address it? Why?

Business

Response:

Dear Mr. [redacted],

Thank you very much for bringing Ms. [redacted]'s dispute to our attention. We have reviewed her dispute in its entirety and investigated all of her complaints. This includes a review of her legal file, payment history, system notes, call recordings, and all correspondence.

Ms. [redacted]'s initial request for payment information was received by our attorneys office in November. This information was sent to her by our attorney, [redacted], on November 15, 2013. On January 8, 2014 we received a similar request for information, however, due to the fact that our attorney had already provided this information, we provided her with an updated list of owing accounts.

On January 21, 2014 [redacted] contacted Ms. [redacted] regarding a missed payment. This conversation generated the discussion about processing [redacted] payments. We cannot knowingly process a card payment associated with an [redacted] account. Ms. [redacted] was notified of this information and told us she had previously made payments in this manner. We again explained we cannot knowingly process these payments and had no prior knowledge that the card was associated with an [redacted] account. We apologize for the inconvenience and that Ms. [redacted] is upset that this information was detailed not in our correspondence. Ms. [redacted] notified Mr. [redacted] during this conversation that her payment was enclosed with her written correspondence, however, during this conversation it was established that it was a card associated with an [redacted] account.

During this same conversation Ms. [redacted] wanted an extensive payment history. This is something our soft-wear is not capable of producing and was explained to Ms. [redacted]. She subsequently called later that day and spoke with [redacted] and a compromise was reached in that our office would send a breakdown of the total amount received.

At the end of November a statement was sent to Ms. [redacted] for her December payment. On December 5, 2013, a $20.00 judgment fee was applied to the account. This was acceptable based on the judgment that Credit Systems received that included collection of ongoing prosecution costs. Her $50.00 payment was applied to the account on December 19, 2013. This, along with accruing interest at the rate of 10% per annum, would account for the difference in balances that Ms. [redacted] is disputing. Credit Systems does not attach a penalty for late payments.

[redacted] is the collection representative that manages this account file. While we understand Ms. [redacted]'s request for [redacted] to not contact her, there will be instances where it is necessary in order to have continued communication with her. We apologize for any undue stress this may have caused. She has the opportunity to ask for another representative when contacting our office.

Ms. [redacted] would like to know why seven days elapsed before she was contacted about her delinquent payment. This account had not presented to the collector until that time.

If you have any further questions, please feel free to contact me.

Sincerely,

Collection Department Manager

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I called to dispute a mistake on my credit report. The first call was great. The gentleman was patient and understanding why I was upset. I called a second time, and the lady was fast-paced, ignorant and rude. Gimme a friggin' break. You made the mistake - NOT ME!!!!!!!!!!!!!!

This Agency is a typical cutthroat business with no professionalism.Making a profit from people who need financial help the most.I feel sorry for these employees who rationalize this business as justifiable.This is truly an indication of the decay of our society and the corrupt Justice system governed by corporate profiteers.Stand up and get involved! Vote out the ss that allowed the corporations to rewrite the Debt laws and bankruptcy laws for individuals while leaving huge loopholes for big business.This is truly an evil business with evil people working here.

Review: My name is ___. I called Centron Services, Inc. this morning regarding a judgment that I believed to have been paid, but is showing up on my credit report. First, I had to go through multiple numbers before I could get a number that someone actually answered. When I finally did speak with a "[redacted]", she informed me that the original amount of $2,926.14 had gone up to $4,120.15. When I asked her for an address to make a payment, she asked if I was employed, I told her I am a full-time student and was willing to make payments with the left over funds from my student loans, I get any remaining funds approximately every quarter. She then asked if my husband worked, I told her he volunteered with a ministry. She proceed to become quite nasty stating she just could not understand how we could not have full time employment in order to pay this bill. I told her that that was not her concern. Her concern should be giving me an address so that I could try to make some payments. She proceeded to send me to her supervisor, [redacted], who was just as rude.I do not appreciate being harassed, bullied, and made to feel inferior because I am not working and cannot pay a bill in full. I was trying to do the right thing by requesting an address so that I could make an effort to make good on a debt and I was made to feel like some low-life, less than human person because I don't work at a full time position. I am attending full-time college with the help of the VA to get an addictions counseling degree and at the same time attending half-time college for a masters in an attempt to better my situation and your people want to make me feel like a low life because at this particular time in my life, I do not work. I am writing to let you know that I don't appreciate how your staff made me feel, I don't appreciate having to demand an address to send payments because they felt I wasn't good enough. I am filing multiple complaints with as many people and departments as I can to make sure this does not happen to anyone else.Desired Settlement: Prior to this call I had sent out a debt verification request and this company failed to reply, so when I called and received such a poor response, I expect that either termination of [redacted] and [redacted] so that their prejudices cannot be inflicted on other clients trying pay their bills or a reduction of claimed amount owing of $4,120.15 to the original amount of $2,926.14. I not want any repercussions of the organization filing addition collections against me in any manner. This should be fair.

Business

Response:

Thank you for your for bringing this complaint to my attention.

Mrs. [redacted] did request verification of the debts from our office and they were sent to her on 7/23/13. There are currently 32 owing collection accounts for a total of $11,507.80. Of these accounts 16 of them are included in judgment case number [redacted] for a balance of $4,130.22. Judgment was received on 12-16-08 in the amount of $2,923.14 with accruing court costs and accruing interest. The last payment received was on 9/25/07. The balances are accurate. If the consumer would like to offer a reasonable settlement amount to be paid in one lump sum we would consider it.

When Mrs. [redacted] called the collector did ask her questions about her financial situation. This was done in an attempt to determine why there were no payments being made on the account. Mrs. [redacted] took offense to this line of questioning. We apologize for any hurt feelings this may have caused as that was not the intention. The intention was to try to get the accounts resolved.

I am not sure why Mrs. [redacted] had difficulty reaching us as our number is published and answered by a live person between 7:30 am and 6:00 pm. She has been provided our address verbally and in writing.

Sincerely

[redacted] Collections Manager