D Scott Carruthers Law Office

Claimant does not deny attending school and borrowing the money and there is no record on fileof any correspondence received by us asking for validation of the accountHowever, we have closedthe account and will cease our collection efforts, as well as report our deletion of the account to thecredit bureau, please allow a reasonable amount of time for the deletion to take effect.Should you have any further questions or if you'd like to talk to someone, feel free to call me atthe phone number below during business hours of 8am-5pm PST.Thank you for allowing us to clear this matter up.Sincerely, [redacted] Law Office of DScott Carruthers(800) [redacted] ***

We will request supporting documentation of the account from the original creditor ( [redacted] ) and forward the informationto complainantIf the documentation is not available we may permanently close the account.Sincerely, [redacted]

This is our reply in reference to: Revdex.com complaint ID [redacted] - [redacted] At the complainant's request, this office ceased all phone calls effective 5/13/16.The account has been assigned to a third party.If any additional information is needed, please get in touch.Kindly contact,*** [redacted] 800-495-ext***Law Office of DScott Carruthers

This is our reply in reference to: Revdex.com complaint ID [redacted] - [redacted] ***While we contest any claims of breaking the law, we ceased all communicationswith complainant in March of 2016.If any additional information is needed, please get in touch.Kindly contact, [redacted] 800-495-ext ***Law Office of DScott Carruthers

At the complainant's request we have ceased all phone callsWe will mail [redacted] l documentation on the account in question to: [redacted] If no reply is received from Mr [redacted] it is very likely that our officewillfile suit on the account.If any additional information is needed, please get in touch.Kindly contact, [redacted] 800-495-ext***Law Office of DScott Carruthers

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

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution satisfactory to meI consider this complaint resolved Regards, [redacted]

This is our reply in reference to: Revdex.com complaint ID *** - *** ***Pursuant to complainant's request, we ceased making phone calls to her.Complainant made several promises to repay her debt, but never followedthrough with a payment.Please be advised that we are in the process of filing
suit against complainantand the co-borrower on the account.If any additional information is needed, please get in touch.Kindly contact,*** ***800-495-ext325Law Office of DScott Carruthers

WE DISAGREE WITH HIS VIEW OF THE CALL, HE WAS GIVEN THE ACCOUNT INFORMATION, WHEN WE ACQUIRED THE ACCT, AND HOW THE BALANCE WAS CALCULATED WE ALSO MAILED AN ACCOUNTING TO MR*** ON JUNE 16TH, TO THE ADDRESS: *** *** *** *** *** *** ***THE ACCOUNT HAS NOT
BEEN RETURNED AS OF TODAYI WILL RESEND THE DOCUMENTS TO THE NEW ADDRESSMR*** CAN CONTACT ME DIRECTLY AFTER HE RECEIVES THE INFORMATION *** *** GENERAL MANAGER DSCOTT CARUTHERS ATTORNEY AT LAW ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
This collection company uses nothing more than scare tactics to settle on balancesYes, they mailed evidence there is a debt outstanding but what is owed is what's in questionI gave this collection company a figure and offered a $a month installment agreement and they refuse to listen or acknowledge thisJust pay in full now and our way or the highwayI will work with this company once a pay down balance is agreed upon at $a month and more when I'm working againThis is a terrible collection company and are real life ss using rogue collectors
Regards,
*** ***

This is our reply in reference to: Revdex.com complaint ID *** - *** ***At the request of Mr***, we have ceased all phone calls to his homeor place of business.This request by Mr***, absent an offer to repay his debt, leaves us fewoptions to collect the debtPlease be
advised that legal action is now being filed.If any additional information is needed, please get in touch.Kindly contact,*** ***800-495-ext***Law Office of DScott Carruthers

Dear Ms***,I have reviewed the complaint dated 10/26/from Ms*** and have investigated the allegations contained in our records.Ms***'s allegations are patently falseShe has been treated respectfully and been provided with an itemization of her debtMs*** agreed to a
greatly reduced monthly payment but bounced all three debits she provided my officeBecause of the high interestrate agreed to by Ms*** with the original lender, Cash Call, her balance is very highAs an accommodation, we will reduce the total balance by one half (to $7,200.00) and accept $per month, interest free, on the balanceAll new payments must be timely or there is no dealMs*** Can Contact me direct at 714-761-3976.Thanks for your involvementWe will advance our file two weeks for a resolution.Sincerely,DScott Carruthers

Complaint acknowledged, but please note that the sole effort of our office to reach the complainantwas sending her a legal notice of our involvement on 8/30/No other letters have been sent,and we have not made a single phone call to complainantOur records indicate this to be a valid debt
owed by complainant and we want her to be aware thata lawsuit may be filed to recover the total balance dueIf she wishes to discuss the matter she cancall our office at *** or toll free *** ***

This is our reply in reference to: Revdex.com complaint ID *** - *** ***Our records indicate a notice was mailed to complainant on 10/20/2015, andsupporting documentation was mailed on 1/28/at the complainant's request.The address we have on file is: *** *** *** *** **
***.If complainant would like us to re-mail this information to a different address,we'll be happy to do so in order to resolve the matter.If *** *** intends to resolve her account, we would like to propose thefollowing settlement:The current principal balance is $1,781.33, accrued interest is $594.32, a collection fee of $for a total due of $2,820.98.We will accept as settlement in full either, a) one payment of $1,due in days, or b) the principal of $1,to be paid in equal installments of $on the 20th of each month beginning on 8/20/2017.Should there be additional questions, don't hesitate to get in touch.Kindly contact,*** ***800-495-ext***Law Office of DScott Carruthers

This is our reply in reference to: Revdex.com complaint ID *** - *** ***Many attempts were made to work out arrangements with complainant, and at onepoint she promised to repay her CASHCALL account in monthly payments of $294, but nopayment was ever receivedOur client, ** ***,
acquired the account from CCI Acquisitionand we are making a legal collection attempt on their behalf.We will re-send the required validation documents to complainant at: *** *** *** *** *** ** ***.The current principal balance is $1,575.00, accrued interest of $6,815.65, leaving a total balance due of $8,390.65.If we hear from *** *** within days we will agree to freeze the balance at $8,and set her up onmonthly payments of $for months until the balance is paid.If any additional information is needed, please get in touch.Kindly contact,*** ***800-495-ext***Law Office of DScott Carruthers

This is our reply in reference to: Revdex.com complaint ID *** - *** ***We made many attempts to reach complainant by phone and our initial letter wasmailed to: *** *** *** *** *** ** *** with no return mail.Complainants address on this very complaint is different than the
one we have,but is also a partial address lacking a house number, so we can't use it.The matter concerns an outstanding account with CASHCALL and a past-dueprincipal balance of $2,598.03, accrued interest of $14,499.12, leaving a total amountdue of $17,097.15.All phones numbers have been removed from the account and no more calls will be madeWe'll gladly send *** *** supporting documentation of the account via mail if she will provide a complete and current mailing address.We will hold for a reply for days - at which point we will consider our remaining optionsto collect this debt.Kindly contact,*** ***800-495-ext***Law Office of DScott Carruthers

This is our reply in reference to: Revdex.com complaint ID *** - *** ***Subsequent to the filing of this complaint on 1/29/2016, the complainant and theLaw Office of DScott Carruthers came to a mutual agreement and payment arrangementswere made to satisfy the debtComplainant is
making timely payments to-date.If any additional information is needed, please get in touch.Kindly contact,*** ***800-495-ext325Law Office of DScott Carruthers

This is our reply in reference to: Revdex.com complaint ID *** - *** ***This matter is being handled directly through the California State Bar and isa matter of disputeThe account in question has been put in permanent suspense.If any additional information is needed, please get in
touch.Kindly contact,*** ***800-495-ext***Law Office of DScott Carruthers

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

This is our reply in reference to:  Revdex.com complaint ID [redacted] - [redacted]At the complainant's request, this office ceased all phone calls effective 5/13/16.The account has been assigned to a third party.If any additional information is needed, please get in touch.Kindly contact,[redacted]...

[redacted]800-495-8682 ext. [redacted]Law Office of D. Scott Carruthers