Credit Concepts

On 8/18/I received a call from [redacted] She wanted to know if legal action had begunI told her it had notShe wanted to make a payment arrangementShe indicated that her rent payment was more than 50% of her income and could only afford $a monthI explained to her that at the rate of $a month that her account would not see a decrease in the balance, but because she did make contact with us to resolve it that I would accept those arrangementsShe stated that she would pay $twice a monthI explained that there would be a $fee for each payment and emailed her a reoccurring debit form She called and made a $payment plus the $fee over the phone on 8/20/She started she would make another payment on 9/5/On 9/29/15, I called and left a message for her, as neither $payments for September had been madeI also emailed her another copy of the reoccurring debit formShe called me back the same afternoon and said she would make a $payment after she got home from workWhen she called back in that day, she only wanted to make a $payment, and did not want to pay the $feeJennifer explained to her that her arrangement was for the $payment she missed in September [redacted] said she would call back on Monday, October 5th and make the full $payment plus the $fee [redacted] got the reoccurring debit form back, however, it was not for the correct amountIt was for $payment plus the $fee for a total amount of $25.00, instead of the $payment plus the $fee for a total of $When she called in on 10/5/to get it set up, the form was in the Supervisor’s office, and the Supervisor was out of the officeThe debit card processor took [redacted] at her word and set it up for the $payment plus the $feeOnce the error was discovered, and email was sent to ask [redacted] to contact our office to rectify the payment amountShe was told that future transactions would not be ran and if we did not hear from her, legal action would be takenWe did not hear from her again, until after a summons and complaint was served to her on 1/3/She called our office on 1/8/and wanted to know why we serving herI explained all of the aboveShe stated that she never received an email from me asking her to contact usI asked her why she didn’t call us to find out why her payments were not coming outShe said that she had lost her job and we just were not her priorityShe wanted to go back to the $a month payment arrangementI told her that now legal action has begun, that she would need to sign a stipulated judgment for an acceptable payment amountShe insisted that she be allowed to pay $I told her I could not due to legal actionThat with interest that had accrued and legal and attorney fees, we would need to come up with a larger payment amount each monthShe refusedI was then notified a little later that she had made an online payment of $plus the $fee for a total of $The payment was immediately refunded to her accountI sent her an email telling her once again that if she would like to sign a stipulated judgment for an acceptable amount, then she could avoid a judgment against herI did not receive a responseI have enclosed the documents that she requested

On 6/24/we received a note with a payment that “The vehicle is being assessed for damage not sure the outcome so will make payment or be paying off in the next couple weeks.” 0n 7/8/16, we called [redacted] , as her account is now past due for 6/16/16, she stated that the insurance company was trying to total the vehicle and she disagreed with them and would call us backOn 7/13/16, we left another message for [redacted] On 7/15/16, we attempted to leave a message for [redacted] , but her mailbox was fullThat same day, [redacted] called back and asked for a payoffShe was going to try and trade vehicle in at a dealership instead of go through insurance claimShe would not discuss a payment arrangement at that timeOn 7/19/16, we received a call from Jody at Kendall Lexus with [redacted] there, asking for a payoff today and in daysWe verified with [redacted] it was okay to release the information and gave the informationOn 7/28/16, we called and left a message for [redacted] She called backShe didn’t understand why we were calling herShe said that that Geico should have paid us off weeks ago, we asked her for a claim number, she said she doesn’t know and will not give it to us, she said we are now the owners of the carShe said she doesn’t like the claims adjuster and is someone she will not call, we told her we will call Geico, but we need a claim numberShe said she was hanging up the phoneWe called Geico the same dayTracked down the information needed, they indicated that the vehicle was a total loss, and a value had been determined, but they didn’t know why payment hadn’t been issuedSince [redacted] wasn’t willing to cooperate with the insurance company, we had to file a lienholder claimWe received $from Geico on 08/29/We received $from Kendall Lexus as Sale of Security of the vehicle on 08/29/There was a remaining balance of $71.10, plus interest $132.86, and late charges of $ [redacted] was a deficiency balance letter on 08/30/with the remaining balance, in the letter it states to contact our office, and make arrangements to pay the balance to prevent legal actionOn 9/9/2016, documents were prepared and small claims were filed in Lane County Circuit CourtOn 10/11/2016, we called and left a message for [redacted] The hope was to get the balance paid before we had to go any farther with legal actionShe called back, but before the conversation could take place she just couldn’t believe that we had to nerve to ask to pay the $balance, it was impossible to have a conversation with and felt that we were left with no choiceWe obtained a small claims judgment on 01/19/A garnishment was issuedHer employer paid the amount owed on the garnishment, but we are entitled to post judgment interest by lawThere was a remainder of $left owing on her accountInstead of issuing another garnishment that would end of charging her and additional $in fees, Kristi W [redacted] called and asked if she would just like to pay itWe she came into the office, she paid her balance and was given a receipt that showed the amount she paid, and an account balance of zeroThere is no reason for someone to sign it, and frankly is out of the ordinaryWe have attached a copyA satisfaction of judgment was electronically filed and accepted that day, as well as her paid papers sent to the mailing address she confirmed with Kristi W [redacted] over emailThis is a simple interest installment contract that Ms [redacted] signed, and Credit Concepts was within its rights based on this contract to charge interest on any balance for the rate that was agreed upon In going over this account, it is easy to see that Credit Concepts tried to work with Ms [redacted] , but her unwillingness to cooperate with us and Geico cost her more in interest and fees by not doing so We see no reason to refund anything to Ms [redacted] or change any credit rating We have satisfied our judgment with the court that we had on Ms [redacted] , and mailed her paid contract to her Thank you, Jason M***