CreditMax Collection Agency, Inc.

CreditMax is currently researching the status of this account This account was sent to the law firm of *** *** *** in for litigation That firm has reported a Judgment was rendered in Most courts show a cause "closed" once a Judgment has been rendered
That means that the dispute upon the merits is closed by decision of the court to render judgment It does not mean that the Judgment or indebtedness is satisfied nor releasedCreditmax shows one payment, post-Judgment, of $posted on 12-4- The Judgment balance, NOT INCLUDING any post-Judgment interest, is $9, Creditmax has a call in to the Atlanta law firm which is handling the matter for updated information Creditmax is a debt-collector This is an attempt to collect a debt and any information obtained will be used for that purpose

This is a supplemental response with additional information following an original response by CreditMax, Inc.  As previously indicated, this account was sent to an Atlanta, Georgia law firm, with attorney [redacted] handling the matter.  The consumer is welcomed and encouraged to contact Attorney [redacted] at [redacted].  Attorney [redacted] indicates that the referenced 2009 judgment was renewed on April 29, 2015 and that a garnishment order was recently entered.  The current total today is $13,870.25 which is comprised of a principal judgment balance of $7,574.28, accruing interest of $5,325.94, attorney fees to Mr. [redacted]'s firm of $802.03 and court costs of $168.00.  Attorney [redacted] confirms that the Judgment is active and valid.  The consumer's file number with Attorney [redacted]'s office is 08B08559 and the consumer may wish to reference that number when/if he contacts Attorney [redacted]'s office.  If there is any further information which I am able to provide, please contact me directly.  [redacted]. [redacted], General Counsel, CreditMax, Inc., 12820 Coldwater Road, Fort Wayne, IN 46845.  Thank you.

Initial Business Response /* (1000, 10, 2017/05/02) */
Creditmax, Inc.
*eneral Counsel
XXXXX [redacted] Fort Wayne, IN XXXXX
(XXX) XXX-XXXX
(XXX) XXX-XXXX Facsimile
May 1, 2017
[redacted]
Revdex.com of Northern Indiana 4011 Parnell Avenue
Fort Wayne, IN 46805
RE: Case #...

[redacted] Dear Ms. [redacted]
I am in receipt of the Revdex.com notification directed to [redacted] on or after April 4, 2017. The complainant indicates that she called our office to "get a bill mailed" to her. She further states that she has "no proof that [her] car is in collections" with Creditmax, as Creditmax "is not on my credit report."
Creditmax, Inc. is a third-party debt collector. We do not originate debt and we are not an original creditor. We do not do any direct credit-reporting. Creditmax does have access to the original creditors documentation and account notations. On January 25, 2016, the original creditor assigned the relevant account to Creditmax. A notice of debt validation was issued to the complainant to [redacted] XXXXX. This notification was returned to sender as "moved left no address" by the USPS. On or about September 20, 2016, the original creditor reports that the complainant filed a credit bureau dispute through Equifax and the original creditor reported that the account was charged-off and that a deficiency balance was still owed. On or about March 31, 2017, the original creditor reports that the complainant filed a credit bureau dispute through Transunion and the original creditor reported that a deficiency balance was still owed.
On or about April 3, 2017, the complainant telephoned the office of Creditmax and spoke with representative [redacted] His notation is as follows:
Rec call in from buyer ID XXXXXXXXXX FDCPA line she originally was giving the name of [redacted] and the acct was in her maiden name. She wanted to know her balance. I provide P & [redacted] (minus repo fees of [redacted] she said she is trying to consolidate she claims and she said that they are not going to include us when they see [redacted] on the balance. I tried to explain to her the int and she did not want to hear this. She wanted to add someone on the loan and have me tt them. I advised to have them send a signed release and she was not interested in that. She then started telling me what companies have done to
her in the past and getting upset. I advised that we were not discussing past
THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
THIS IS AN ATTEMPT TO COLLECT A DEBT, AND
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

[redacted] May 1, 2017
Page Two
issues that have no bearing on this account. She claims did not want to talk to me.
I asked what it is she needs today and she was not willing to tell me. She was dealing with her children during the call while I was attempting to speak with her. She did not want to talk and she hung up on me.
Thereafter, the complainant called Creditmax back and spoke to representative [redacted] notation is as follows:
[redacted] called in on FDCPA line started yelling that she spoke with a guy earlier who was supposed to be in customer service but he was rude and told her this is collections . . . she asked to speak with that guy. . . put her on hold she hung up.
The complainant has been provided the account balance information. Creditmax does not send "bills" as we are, again, not the original creditor, but a third party collector. I, as well as the other Creditmax representatives, am still unable to discern what the complainant is seeking. I have attached a copy of the debt-validation letter issued to her. This notification has company-identifying information and disclosures as well as full account information. The fact that this debt-assignment does not appear upon her credit bureaus not within the control of Creditmax. Additionally, the absence of a credit bureau entry does not negate the debt.
Respectfully,

[redacted]
*eneral Counsel
Indiana Supreme Court Number XXXXX-XX Ohio Supreme Court Number XXXXXXX
THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
THIS IS AN ATTEMPT TO COLLECT A DEBT, AND
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

CREDITMAX, INC.
XXXXX [redacted]
Fort Wayne, IN XXXXX
(XXX) XXX-XXXX Toll Free
(XXX) XXX-XXXX Facsimile
[redacted] L [redacted] 28 January 2016
[redacted] XXXXX
RE: Your Indebtedness to: Byrider Finance, Inc. d/b/a C.N.A.C.
Customer Account: XXXXXXXX
Customer Loan: XXXXXXX
Principal Balance: $ [redacted]
Accrued Interest: $ [redacted]
Collateral Disposition Fees: $ 00.00
Total Amount Due: $ [redacted] is the amount you owe.
Because of accruing interest, the amount due on the day you pay may be greater. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive your final payment. For further information, write the undersigned or call either XXX-XXX-XXXX or XXX-XXX-XXXX.
Dear [redacted] L [redacted]:
Creditmax, Inc. has been authorized to commence collection upon the above-referenced account. Creditmax, Inc. is a debt collector.
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Unless you dispute this debt, or any portion of it, within 30 days after you receive this notice, we will assume that it is valid.
If you notify us within the 30 day period that you dispute this debt or any portion of it, we will obtain verification of the debt or a copy of any judgment and mail it to you.
If the above creditor is not your original creditor and you submit a written request within the 30 day period for the name and address of the original creditor, we will supply such information to you,
If you notify us that you dispute this debt within the 30 day period, we will suspend collection until we send you the verification.
Respectfully, Creditmax, Inc.
This communication is from a debt collector.
This is an attempt to collect a debt and any information obtained will be used for that purpose.