[redacted] obtained Judgment on 8/20/case 93- [redacted] ***, Washington [redacted] referred this Judgment to CSO Financial for collection on 5/11/and CSO sent a collection validation notice to [redacted] on 5/12/CSO made a phone attempt and sent a second letter to [redacted] on 7/6/CSO issued a writ of garnishment on 9/27/CSO spoke to [redacted] on 12/6/and the collector explained that [redacted] would have to make a settlement of at least $7,for management to agreeThe judgment balance as of today (1/18/17) is $8, [redacted] wanted to settle for $4,000-$5,CSO spoke to [redacted] again on 1/5/and explained that management would only approve a $7,settlementCSO explained we will not release the writ of garnishment for partial payments [redacted] said she would begin making $100-$monthly paymentsCSO explained that settlement in full offer is only valid days.The original debt is from and is past the federal credit reporting statute of limitations
Complaint: [redacted] I am rejecting this response because: I want to work out making good on this debt! I'm unemployed now & was laid off the same week my job got the garnishment noticeI'm just getting back into the work force again on partime basis untill I become a Journey Person with my UnionI want to pay my debt off sooner then later but untill I'm working I can only make $to &payment out of my unemployment, when I'm working I would be able to make more significant payments & at that time would like to come to a settlement amount & make monthly payments untill that amount is paid in full! I asked CSO what amount did they need a month to stop a garnishment & they told me they can't stop me from sending in payments but garnishment won't stop untill the debts paid in fullThis is unresonable & I'm trying to understand did CSO buy this debt from [redacted] to make it impossible for me to pay off, continuing to collect 12% interest keeping it out of my reach! I am working to making good on my debt & CSO isn't showing me they are in the business to work with me to resolve this debtSincerely, [redacted] ***
Our records indicate that this account is reported to [redacted] , [redacted] and [redacted] with the PO Box address Mr [redacted] listed in his complaint but in good faith effort to ensure that this address is updated to his credit file we submitted a Universal via eOscar on April 21st,
A Universal is the form we submit to eOscareOscar is the portal in which we communicate with the Credit BureausThis action has notified the credit bureaus to update Mr [redacted] address to show the PO Box address as listed on the complaintWe have previously verified that Mr [redacted] is liable for this account as it falls into the category of household/family debtThis account is included in a civil judgment awarded to CSOMr [redacted] has previously been provided copy of the judgment and proof of service
Complaint: [redacted] I am rejecting this response because: Although I appreciate the explanation of what a Universal is, and what the results of submitting a Universal should be, I do not appreciate the remaining statements submitted by CSO Financial which are completely irrelevant to this matter and do not pertain to my current complaint, which is inaccurate personal information being reported to the credit bureaus Sincerely, [redacted] ***
We mailed [redacted] a copy of the itemizations from the original client regarding the debt sued upon (lists her social security number and date of birth)We also mailed her a copy of the small claim, copy of the proof of service, and copy of the judgment that was granted by Lane County Circuit CourtThis mailing was done on July 13th, We issued a garnishment on a bank account in which [redacted] was listed as a joint owner and received garnishment funds in June [redacted] did not file for a challenge to garnishment or claim of exemption hearingThe money received from this garnishment payment has been applied to the account which is now paid in fullCSO has satisfied the judgment
These traffic fines were assigned to our office years ago for a total of $9% interest is accruing as allowed by Oregon State lawInterest amount due as of today is $for a total due of $Management would consider a settlement to write off some of the interest dueIf Please relate to Ms [redacted] that she should contact her account manager, Wendy, at (800)888-ext [redacted] and she can help with thisMunicipal court fines are not subject to collection statute of limitations per ORS Ms [redacted] was sent a copy of one of the citations on September 7, We will be mailing her proof of the other two.Tell us why here
[redacted] obtained Judgment on 8/20/case 93- [redacted] ***, Washington [redacted] referred this Judgment to CSO Financial for collection on 5/11/and CSO sent a collection validation notice to [redacted] on 5/12/CSO made a phone attempt and sent a second letter to [redacted] on 7/6/CSO issued a writ of garnishment on 9/27/CSO spoke to [redacted] on 12/6/and the collector explained that [redacted] would have to make a settlement of at least $7,for management to agreeThe judgment balance as of today (1/18/17) is $8, [redacted] wanted to settle for $4,000-$5,CSO spoke to [redacted] again on 1/5/and explained that management would only approve a $7,settlementCSO explained we will not release the writ of garnishment for partial payments [redacted] said she would begin making $100-$monthly paymentsCSO explained that settlement in full offer is only valid days.The original debt is from and is past the federal credit reporting statute of limitations
Complaint: [redacted] I am rejecting this response because: I want to work out making good on this debt! I'm unemployed now & was laid off the same week my job got the garnishment noticeI'm just getting back into the work force again on partime basis untill I become a Journey Person with my UnionI want to pay my debt off sooner then later but untill I'm working I can only make $to &payment out of my unemployment, when I'm working I would be able to make more significant payments & at that time would like to come to a settlement amount & make monthly payments untill that amount is paid in full! I asked CSO what amount did they need a month to stop a garnishment & they told me they can't stop me from sending in payments but garnishment won't stop untill the debts paid in fullThis is unresonable & I'm trying to understand did CSO buy this debt from [redacted] to make it impossible for me to pay off, continuing to collect 12% interest keeping it out of my reach! I am working to making good on my debt & CSO isn't showing me they are in the business to work with me to resolve this debtSincerely, [redacted] ***
Our records indicate that this account is reported to [redacted] , [redacted] and [redacted] with the PO Box address Mr [redacted] listed in his complaint but in good faith effort to ensure that this address is updated to his credit file we submitted a Universal via eOscar on April 21st,
A Universal is the form we submit to eOscareOscar is the portal in which we communicate with the Credit BureausThis action has notified the credit bureaus to update Mr [redacted] address to show the PO Box address as listed on the complaintWe have previously verified that Mr [redacted] is liable for this account as it falls into the category of household/family debtThis account is included in a civil judgment awarded to CSOMr [redacted] has previously been provided copy of the judgment and proof of service
Complaint: [redacted] I am rejecting this response because: Although I appreciate the explanation of what a Universal is, and what the results of submitting a Universal should be, I do not appreciate the remaining statements submitted by CSO Financial which are completely irrelevant to this matter and do not pertain to my current complaint, which is inaccurate personal information being reported to the credit bureaus Sincerely, [redacted] ***
We mailed [redacted] a copy of the itemizations from the original client regarding the debt sued upon (lists her social security number and date of birth)We also mailed her a copy of the small claim, copy of the proof of service, and copy of the judgment that was granted by Lane County Circuit CourtThis mailing was done on July 13th, We issued a garnishment on a bank account in which [redacted] was listed as a joint owner and received garnishment funds in June [redacted] did not file for a challenge to garnishment or claim of exemption hearingThe money received from this garnishment payment has been applied to the account which is now paid in fullCSO has satisfied the judgment
These traffic fines were assigned to our office years ago for a total of $9% interest is accruing as allowed by Oregon State lawInterest amount due as of today is $for a total due of $Management would consider a settlement to write off some of the interest dueIf Please relate to Ms [redacted] that she should contact her account manager, Wendy, at (800)888-ext [redacted] and she can help with thisMunicipal court fines are not subject to collection statute of limitations per ORS Ms [redacted] was sent a copy of one of the citations on September 7, We will be mailing her proof of the other two.Tell us why here