City Motor Group, Inc.

May 9, 2016Sent via email: ***@cleveland.Revdex.com.org *** ***Dispute Resolution SpecialistRevdex.comEuclid Ave., 4th Fl.Cleveland, OH 44115-2408 RE: *** *** Revdex.com Case ID: ***WWR File No.: ***Dear Ms***, I am writing to address your
correspondence of May 5, regarding Ms*** ***’s complaint submitted to the Revdex.com regarding Weltman, Weinberg & Reis Co., L.P.A.’s collection activity on the above-referenced accounts I appreciate the opportunity to respond to Ms***’s concerns on behalf of the firm.A brief narrative of the history of the accounts is required to address Ms***’s complaint In March 2016, our client, *** *** *** ***, retained Weltman, Weinberg & Reis, Co., L.P.Afor collection services on defaulted student loan obligationsOn or about March 10, 2016, in accordance with the law, we sent Ms*** correspondence advising her of the status of her accounts. We acknowledge that Ms*** through this complaint has advised us of her current concerns regarding the matter We also acknowledge that Ms*** has requested verification of the debts Even after the time period has expired for verification under the Fair Debt Collection Practices Act (FDCPA), which is days after receipt of the initial letter with the disclosure, it is our firm's policy to work with consumers and be interactive throughout the collection process Therefore we acknowledge the request for verification to assist in resolution and have requested documentation from our client for verification of the debts. Also, we apologize for any concern or inconvenience the firm's attempts at communication on the accounts may have caused based on the perception of the manner in which they were receivedIt is our firm's goal and the intent of our client to handle all matters in a professional manner at all times and to deal with all parties involved with respect, courtesy, and professionalismEvery effort is made to ensure that the collection practices used are proper and in compliance with state and federal regulations. Should you have any further questions or concerns regarding this matter, please do not hesitate to contact meThis communication is from a debt collector that is attempting to collect this debt for the current ***or and any information obtained will be used for that purpose. Sincerely, Tracy RS***

March 1, 2016Sent via email: ***@cleveland.Revdex.com.org*** ***Dispute Resolution SpecialistRevdex.comEuclid Ave., 4th Fl.Cleveland, OH 44115-2408RE: *** ** ***Revdex.com Case ID: ***WWR File No.: ***Dear Ms***,I am writing to address your correspondence of February
29, regarding Ms***’s complaint submitted to the Revdex.com regarding Weltman, Weinberg &Reis Co., L.P.A.’s collection activity on the above-referenced accountI appreciate theopportunity to respond to Ms***’s concerns on behalf of the firm.A brief narrative of the history of the account is required to address Ms***’s complaint.In October 2012, our client, *** *** *** (***), NA, retained Weltman, Weinberg & Reis,Co., L.P.Afor collection and legal services on the accountAfter initial collection efforts wereunsuccessful, we filed suit in the Scott Circuit Court of Commonwealth of KentuckyDuringlitigation, we entered into a monthly repayment agreement with Ms*** and memorialized thoseterms in an Agreed Judgment EntryThe Entry was docketed with the Court on March 11, 2013and allowed for the filing of a Judgment LienThe Entry is attached for your review.Ms*** has made payments pursuant to the agreement and on February 29, 2016, madea settlement payment that will satisfy the judgment completelyThus, we have prepared apraecipe to satisfy the judgment and release of lien to be filed with the CourtAfter thesedocuments have been filed with the Court, the matter will be closed with our firmThus, Ms.***’s requested relief, that the judgment lien be released, is in the process of being completedas a result of her agreed settlement of the matter.It is our firm’s goal and the intent of our client to handle all matters in a professionalmanner at all times and to deal with all parties involved with respect, courtesy, andprofessionalismEvery effort is made to ensure that the collection practices used are properand in compliance with state and federal regulations.Should you have any further questions or concerns regarding this matter, please do nothesitate to contact meThis communication is from a debt collector that is attempting to collectthis debt for the current creditor and any information obtained will be used for that purpose.Sincerely,Tracy RS***

*** ***,Please find attached our response to *** *** ***'s complaint submitted to the Revdex.com.Please do not hesitate to contact me directly with any questions or concerns you may have regarding this matter.Thank you,
Tracy ** S***
Compliance
Attorney
Weltman,
Weinberg & Reis Co., L.P.A
* ***
Keynote Circle Brooklyn Heights, OH
*** |
weltman.com

This business response was received by Revdex.com via email, this copy/paste was done by Revdex.com staff member **.Please also refer to the attached document.March 8, 2018Sent via email: *** *** ***Dispute Resolution SpecialistRevdex.comEuclid Ave., 4th
Fl.Cleveland, OH 44115-RE: *** *** Revdex.com Complaint No.: *** WWR File No.: ***Dear Ms*** I am writing to address your correspondence regarding the complaint submitted to the Revdex.com regarding Weltman, Weinberg & Reis Co., L.P.A.’s collection activity on the above-referenced account. I appreciate the opportunity to respond on behalf of the firmA brief narrative of the history of the account is required to address the complaintPlease be advised that this account was placed for collection and legal services with our firmAfter initial collection efforts were unsuccessful our client chose to pursue litigation. Ultimately, we were able to work with the consumer and agree to a resolutionAs a result, a proper consent judgment entry was obtained for our client on March 10, in the Columbiana County Municipal CourtWe appreciate that that the consumer is making payment on the judgment. Those payments are being applied to the outstanding judgment accordingly. We also acknowledge that the consumer has requested cease communication on the file and as a result, we have placed the account in a cease communication statusIt is our firm’s goal and the intent of our client to handle all matters in a professional manner at all times and to deal with all parties involved with respect, courtesy, and professionalism. Every effort is made to ensure that the collection practices used are proper and in compliance with state and federal regulations.Should you have any further questions or concerns regarding this matter, please do not hesitate to contact meThis communication is from a debt collector that is attempting to collect this debt for the current creditor and any information obtained will be used for that purposeSincerely, /s/ Eileen M***
*** ** ***

[A default letter is provided here which indicates your acceptance of the business's 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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

June 1, 2016Sent via email: ***@cleveland.Revdex.com.org*** ***Dispute Resolution SpecialistRevdex.comEuclid Ave., 4th Fl.Cleveland, OH 44115-2408RE: *** ** ***Revdex.com Case ID: ***WWR File No.: ***Dear Ms***,I am writing to address your correspondence of May 27,
regarding Mr*** S.***’s complaint submitted to the Revdex.com regarding Weltman, Weinberg &Reis Co., L.P.A.’s collection activity on the above-referenced accountI appreciate theopportunity to respond to Mr* ***’s concerns on behalf of the firm.A brief narrative of the history of the account is required to address Mr* ***’scomplaintIn May 2015, our client, The City of ***, retained Weltman, Weinberg & Reis,Co., L.P.Afor collection services on an accountOn or about June 1, 2015, in accordance withthe law, we sent Mr* *** correspondence advising him of the status of his accountWereceived no returned mail or other communication from Mr* *** on this account.Our client chose to proceed with filing suit in the *** County Municipal Court and thecomplaint was filed on August 27, On February 8, 2016, the Court granted our clientjudgment on the accountThe judgment is attached to this responseOur client chose toproceed with collection of the judgment and a wage garnishment was properly filed on or aboutMarch 24, 2016.We acknowledge that Mr* *** through this complaint and his own communications withour firm has advised us of his current concerns regarding the matterHowever, there is nothing toindicate that the judgment is not proper, due and owing and our client is entitled to proceed withcollection of the judgment through the properly-filed wage garnishmentWe invite Mr* *** tocontact our offices to discuss the garnishment and his repayment options at 1-800-334-0257.It is our firm's goal and the intent of our client to handle all matters in a professionalmanner at all times and to deal with all parties involved with respect, courtesy, andprofessionalismEvery effort is made to ensure that the collection practices used are proper andin compliance with state and federal regulations.Should you have any further questions or concerns regarding this matter, please do nothesitate to contact meThis communication is from a debt collector that is attempting to collectthis debt for the current creditor and any information obtained will be used for that purpose.Sincerely,Tracy RS***

*** *** ***,Please see the attached document as our response to *** ***'s complaint.Please do not hesitate to contact me with any questions or concerns you may have regarding this matter.Thank you,
Tracy **
S***
Compliance Attorney
Weltman,
Weinberg & Reis Co., L.P.A
p
***
Keynote Circle Brooklyn Heights, OH
*** * ***
Go Green! Print this email only when necessaryThank you for
helping WWR be environmentally responsible
Confidentiality Notice
This e-mail and the documents accompanying this transmission contain
confidential information belonging to the sender which, in addition, may
be legally privilegedThe information is intended only for the use of the
individuals or entities named aboveIf you are not the intended recipient, you
are hereby notified that any disclosure, copying, or distribution or the taking
of any action in reliance on the contents of this e-mailed information is
strictly prohibitedIf you have received this e-mail in error, please
immediately notify the sender by e-mail at the address aboveThe transmission
is to be deleted and any items that may have been printed are to be destroyed
Thank you for your compliance

*** ** *** Attorney Keynote Circle, Brooklyn Heights, OH 44131 (216) *** phone | (216) *** fax *** November 23, 2015 Sent via email: *** *** *** Dispute Resolution Specialist RevDex.com, Inc. Euclid Ave., th Fl Cleveland, Ohio 44115-2408 RE: *** ** *** Revdex.com Case ID *** WWR File No*** *** *** ***, I am writing to address your November 16, correspondence regarding the complaint submitted by *** ** ***’s to the Revdex.com regarding Weltman, Weinberg & Reis Co., L.P.A.’s collection activity on the above-referenced accountI appreciate the opportunity to respond to the complainant’s concerns on behalf of the firm. A brief narrative of the history of the account is required to address the complaintOn November 6, 2015, our client, *** *** *** ***, retained Weltman, Weinberg & Reis Co., L.P.Afor collections services on an accountThe original creditor for this account was *** ***In accordance with the law, on or about November 11, 2015, we sent correspondence advising of the status of this accountOn November 13, 2015, the above-referenced complaint was filed with the Revdex.com. A review of the file reveals that we have not spoken with the complainant regarding this matterWe acknowledge that the complainant has requested through the complaint to not be contacted regarding the accountIn accordance with the law, we have flagged the account to not allow correspondence or written communications with the complainant. Also, we apologize for any concern or inconvenience the firm’s attempts at communication on the account may have caused based on the perception of the manner in which they were receivedIt is our firm’s goal and the intent of our client to handle all matters in a professional manner at all times and to deal with all parties involved with respect, courtesy, and professionalismEvery effort is made to ensure that the collection practices used are proper and in compliance with state and federal regulationsThis communication is from a debt collector attempting to collect this debt for the current creditor and any information obtained will be used for that purposeThank you. Sincerely, Tracy ** S***

From: *** *** ***Date: Fri, Jan 22, at 5:PMSubject: Re: *** *** Revdex.com ComplaintTo: *** *** ***Cc: ***Please note I received a settlement offer letter today a bit lateI have sent out a payment to you to settle this matter.Thanks,* *** *** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint*** repoed the vehicle from the Arizona address I provided to *** financial It is not my responsility to verify their client gave them proper informationI have affirmative defense and my next step will be to provide this information to my attorney.bForyourreference 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.]
Regards,
*** ***

August 1, 2016Sent via email: ***@cleveland.Revdex.com.org*** ***Dispute Resolution SpecialistRevdex.com, IncEuclid Ave., 4th Fl.Cleveland, Ohio 44115-2408RE: *** ***Revdex.com ID: ***WWR File No.: ***Dear Ms***,I am writing to address your correspondence of July
26, regarding Ms***’s complaint submitted to the Revdex.com regarding Weltman, Weinberg &Reis Co., L.P.A.’s collection activity on the above-referenced accountI appreciate theopportunity to respond to Ms***’s concerns on behalf of the firm.The following is a brief narrative of the history of the account since it has been placedwith our firmIn April 2011, our client, *** *** *** (USA), NA, retained Weltman,Weinberg & Reis Co., L.P.Afor collection and legal services on the accountIn accordancewith the law, on or about April 20, 2011, we sent Ms*** correspondence advising her ofthe status of her accountWhen the account balance was not resolved through these efforts,our client chose to file suit against Ms*** in the *** Municipal Court in June 2011.On August 12, 2011, the Court granted judgment in favor of our clientThe judgment isattached to this response.The balance of the judgment remained unpaid and our client chose to proceed withappropriate post-judgment legal remedies available to them and a wage garnishment wasproperly filed on February 5, Thereafter, remittances from the Court were applied to theoutstanding balance of the judgmentOn July 27, 2016, our firm received remittances thatresolved the judgment balance and resulted in an overpayment of the judgmentA check for theoverpayment was issued to Ms*** on July 29, and a release of the garnishmentand satisfaction of the judgment have been requested.We acknowledge that Ms*** has concerns regarding the account, but there is noindication that the judgment was not proper, due and owingAdditionally, any overpayment as aresult of delay between the Court receiving a remittance and then issuing the funds to our firmhas been resolved through the July 29, overpayment refund issued to Ms***.It is our firm’s goal and the intent of our client to handle all matters in a professionalmanner at all times and to deal with all parties involved with respect, courtesy, andprofessionalismEvery effort is made to ensure that the collection practices used are properand in compliance with state and federal regulations.Should you have any further questions or concerns regarding this matter, please do nothesitate to contact meThis communication is from a debt collector that was attempting tocollect this debt for the current creditor and any information obtained would have been used forthat purpose.Sincerely,Tracy RS***

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

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
There is no attached response to complaint
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.MY LOAN WITH *** IS NOT IN DEFAULTI HAVE PROOF OF PAYMENT TO THEM EVERY MONTH FOR OVER A YEARI HAVE PROOF OF PAYMENT ARRANGEMENTS MADE WITH THEM, AND CANCELLED CHECKS, AS WELL AS EMAILS FROM THEM AC,KNOWLEDGING PAYMENTS RECEIVED.THEREFOR,E, YOUR HARRASMENT OF ME IS NOT VALID, AND CONSTITUTES FRAUD, AS I HAVE BEEN PAYING *** DIRECTLY WITHOUT ISSUE FOR SOME TIME.DO NOT CONTACT ME AGAINDO NOT PURSUE ANY LEGAL ACTION AGAINST ME OR I WILL COUNTERSUE YOU FOR THE $I WILL BE OWED BY YOUR COMPANY FOR FALSELY TRYING TO COLLECT A DEBT I DO NOT OWE.I HAVE CONTACTED FEDERAL AGENCIES AND HAVE REPORTED YOUR COMPANYI HAVE ALSO CONTACTED LOCAL LAW ENFORCEMENT REGARDING YOUR HARASSING AND OBNOXIOUS PHONE CALLSBE FOREWARNEDI KNOW MY RIGHTS AND I INTEND TO BE SURE THEY ARE UPHELD
Regards,
*** ***

*** ***Dispute Resolution SpecialistRevdex.com, IncEuclid Ave., 4th Fl.Cleveland, Ohio 44115-2408RE: *** ***Revdex.com ID No.: ***Dear Ms***,I am writing to address your correspondence of July 8, regarding the complaintsubmitted by Mr*** ***
to the Revdex.com regarding Weltman,Weinberg & Reis Co., L.P.A.’s collection activity on an account placed with our firmIappreciate the opportunity to respond to his concerns on behalf of the firm.The complaint is from Mr*** ***, purporting to act on behalf of his father.However, there is no documentation attached to the complaint that verifies this assertionInreviewing our file, we do not have a proper Power of Attorney on file for this accountWithout aproper Power of Attorney, we cannot respond to the complaint submitted by Mr*** *.***.We acknowledge that Mr*** *** through this complaint and his owncommunication with our firm has requested a settlement letter on the account; however, wecannot respond to the third party as we do not have a proper Power of Attorney on fileWe have,however, communicated directly with the consumer via letter dated June 23, We believethat this communication has resolved the third party’s concerns regarding this matter.It is our firm’s goal and the intent of our client to handle all matters in a professionalmanner at all times and to deal with all parties involved with respect, courtesy, andprofessionalismEvery effort is made to ensure that the collection practices used are properand in compliance with state and federal regulations.Should you have any further questions or concerns regarding this matter, please do nothesitate to contact meThis communication is from a debt collector that is attempting to collectthis debt for the current creditor and any information obtained will be used for that purpose.Sincerely,Tracy RS***

April 6, 2016Sent via email: ***@cleveland.Revdex.com.org *** *** Dispute Resolution Specialist Revdex.com, Inc. Euclid Ave., 4th Fl. Cleveland, Ohio 44115-2408 RE: *** ** *** Revdex.com Case ID: *** WWR File Nos.: ***
*** *** *** Dear Ms***, I am writing to address your March 25, correspondence regarding the complaint submitted by *** *** to the Revdex.com regarding Weltman, Weinberg & Reis Co., L.P.A.’s activity on the above-referenced accountsI appreciate the opportunity to respond to her concerns on behalf of the firm. A brief narrative of the history of the accounts is required to address the complaintIn March 2016, our client, *** Credit Finance Corporation, retained Weltman, Weinberg & Reis Co., L.P.Afor services on the above-referenced accountsIn accordance with the law, on or about March 10, 2016, we sent correspondence to Ms*** regarding the accounts. We acknowledge that Ms*** through this complaint has advised us of her current concernsWe have advised our client of Ms***’s concerns and we have coded the accounts to be closed with our firm. Also, we apologize for any concern or inconvenience the firm’s attempts at communication on the account may have caused based on the perception of the manner in which they were receivedIt is our firm’s goal and the intent of our client to handle all matters in a professional manner at all times and to deal with all parties involved with respect, courtesy, and professionalismEvery effort is made to ensure that the collection practices used are proper and in compliance with state and federal regulationsThis communication is from a debt collector that was attempting to collect this debt for the current creditor and any information obtained would have been used for that purpose. Sincerely, Tracy RS***

*** *** ***,
Please see the attached document as our response to *** ***'s complaint
Please do not hesitate to contact me with any questions or concerns you may
have regarding this matter
Thank you, Tracy ** S***
Compliance
Attorney
Weltman,
Weinberg & Reis Co., L.P.A
* ***
Keynote Circle Brooklyn Heights, OH
*** * ***
Go Green! Print this email only when necessaryThank you for
helping WWR be environmentally responsible
Confidentiality Notice
This e-mail and the documents accompanying this transmission contain
confidential information belonging to the sender which, in addition, may
be legally privilegedThe information is intended only for the use of the
individuals or entities named aboveIf you are not the intended recipient, you
are hereby notified that any disclosure, copying, or distribution or the taking
of any action in reliance on the contents of this e-mailed information is
strictly prohibitedIf you have received this e-mail in error, please
immediately notify the sender by e-mail at the address aboveThe transmission
is to be deleted and any items that may have been printed are to be destroyed
Thank you for your compliance

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

Tracy ** S*** Attorney Keynote Circle, Brooklyn Heights, OH 44131 *** *** *** * *** *** **x *** October 12, 2015 Sent via email: *** *** *** Dispute Resolution Specialist RevDex.com, Inc. Euclid Ave., th Fl Cleveland, Ohio 44115-2408 RE: Amanda CAnderson File No: *** WWR File No*** *** *** ***, I am writing to address your correspondence of October 4, regarding *** ***
** ***’s complaint submitted to the Revdex.com regarding Weltman, Weinberg & Reis Co., L.P.A.’s collection activity on the above-referenced accountI appreciate the opportunity to respond to *** ***’s concerns on behalf of the firm. The following is a brief narrative of the history of the account since it has been placed with our firmIn February 2014, our client, *** *** ***, retained Weltman, Weinberg & Reis Co., L.P.Afor collection and legal services on their accountIn accordance with the law, on or about February 12, 2014, we sent *** *** correspondence advising her of the status of her accountOn June 9, 2014, we filed suit against *** ***, on behalf of the creditor, seeking $plus court costs and attorney feesThereafter, *** *** contacted our firm and terms for repayment to resolve this matter and the pending litigation were verbally agreed upon during that telephone conversationIn July 2014, *** *** began repayment on the account at $per monthThis payment was applied first to court costs, then principal, then attorney fees in accordance with the law and our client’s standards. As a result of the conversation, a Consent Judgment Entry was prepared to reflect those terms and it was sent to *** *** for her review and signature to be returned and filed with the courtAt the time the Entry was prepared, the court costs assessed on the file were $60.00 ($filing fee and a $service fee)*** ***’s initial $payment was applied to those costs, leaving the $court costs as set forth in the Consent Judgment EntryPrior to the return of the Entry, the court assessed an additional $in court costs on the case *** *** ultimately returned the Consent Judgment Entry and the Entry was entered by the Court on August 28, The balance for the Entry (which included the $credit for the July 23, payment) was $838.96: the principal balance of $753.96, remaining court costs of $and statutory attorney fees of $The Entry is attached hereto for your review. In addition to the initial $payment, *** *** made an additional payments of $($600.00) and a single payment of $113.96, for a total of $in payments*** *** asserts additional payments were made and has requested a full accounting of payments on the accountTo date, we have received $in payments: $each on 7/23/14, 8/19/14, 9/15/14, 10/10/14, 11/7/14, 12/19/14, 1/19/15, 2/13/15, 3/13/15, 4/13/15, 5/7/15, 6/10/15, 7/20/15; and $on 8/10/If *** *** has proof of additional payments, we invite her to contact our office with proof of these paymentsApplying payments first to court costs of $94.26, then to principal of $753.96, and then to attorney fees of $75.00, our balance remains at $in principal and $in attorney fees as per the Entry. We acknowledge that *** *** has concerns regarding the balance on this account, but there is no indication that the account is not proper, due and owingIn an effort to amicably resolve this matter, we will agree to accept, on behalf of the creditor, the amount as set forth in the Entry: $As *** *** has paid $to date, the remaining balance under these terms is $We are still willing to accept terms of repayment, on behalf of the creditor, as set forth in the Entry sent to *** ***: $per month by the st of each month until the balance and costs are paid in full. It is our firm’s goal and the intent of our client to handle all matters in a professional manner at all times and to deal with all parties involved with respect, courtesy, and professionalismEvery effort is made to ensure that the collection practices used are proper and in compliance with state and federal regulations. Should you have any further questions or concerns regarding this matter, please do not hesitate to contact meThis communication is from a debt collector that is attempting to collect this debt for the current creditor and any information obtained will be used for that purpose. Sincerely, Tracy ** S***

May 31, 2016Sent via email: [email protected]*** ***Dispute Resolution SpecialistRevdex.com, IncEuclid Ave., 4th FlCleveland, Ohio 44115-2408RE: *** ***File No.: ***WWR File No.: ***Dear Ms***,I am writing to address your correspondence of May
23, regarding the complaintsubmitted to the Revdex.com by Ms*** *** regarding Weltman, Weinberg& Reis Co., L.P.A.’s collection activity on the above-referenced accountI appreciate theopportunity to respond to her concerns on behalf of the firm.The following is a brief narrative of the history of the account since it has been placedwith our firmIn May 2016, our client, *** Credit Finance Corporation, retained Weltman,Weinberg & Reis Co., L.P.Afor collection services on this accountOn May 19, 2016, Ms.*** contacted our office and advised that she had entered into repayment arrangements withour client in the amount of $per month to be paid on the 19th of each monthMs***made a voluntary payment directly to our client on May 19, This payment was applied tothe outstanding balance on the account in accordance with the client’s standards and the law.We have discussed this matter with our client and they have agreed to accept continuedrepayment through our office in the amount of $per month, beginning on June 19, 2016and continuing each month thereafter until the balance of the account is paid in fullWe inviteMs*** to contact our firm at 1-800-719-to review her payment options for this account.We acknowledge that Ms*** through this complaint and through her ownconversations with our firm has advised us of her current concerns regarding the matter.However, there is no indication that the balance on the account is not proper, due and owing.It is our firm’s goal and the intent of our client to handle all matters in a professionalmanner at all times and to deal with all parties involved with respect, courtesy, andprofessionalismEvery effort is made to ensure that the collection practices used are properand in compliance with state and federal regulations.Should you have any further questions or concerns regarding this matter, please do nothesitate to contact meThis communication is from a debt collector that is attempting to collectthis debt for the current creditor and any information obtained will be used for that purpose.Sincerely,Tracy RS***