Fenton & McGarvey Law Firm P.S.C.

March 15, 2016Creditor: [redacted]RE: [redacted]Our Internal File No. [redacted]Case No. [redacted]To Whom it May Concern:Thank you for the opportunity to respond to the complaint filed by Ms. [redacted] your office. All ofher concerns will be addressed below, but ultimately her complaint...

appears to focus on the desire toreceive a paid or settled in full letter and that the debt still appears on her credit report. Ms. [redacted]paid the settlement via a check by phone on February 19, 2016. Because she made the payment withnon-certified funds, we require a period of time before any settlement actions, such as dismissal ofcases or settled letters, to allow the payment to clear. A check by phone payment is provided twentyone days generally because payments can take between 10-21 days to clear a consumers account. Ms.[redacted] called our office on February 24, 2016, five days after payment, and was told we couldexpedite the process if she provided proof the check had cleared her account. We did receive a fax thatwas posted to the account on February 25, 2016, but the fax was illegible and was not sufficient toprove the funds had cleared. We received no further communication from Ms. [redacted]. On March 7,2016 the satisfaction of judgment was prepared and the settled in full letter was prepared and mailedshortly there after. Ms. [redacted] should have received the settled letter as of the writing of thisresponse, but she is welcome to contact our office and have one faxed or emailed to her directly aswell.She also complains that the debt is still on her credit report. While she has settled the account, thecredit reporting takes time to update. The payment just recently cleared and the settlement finalized inour system. Once we processed the settlement, a code was sent to the client to update the status of theaccount. The client will update their reporting to the credit bureaus in accordance with the Fair CreditReporting Act and their internal policies, this takes time. Once the entry has been updated by myclient, it can take up to 180 days for the credit reporting agencies to update the report. There is simplynothing we can do to expedite the process.Ms. [redacted] also raises questions about the timing of the garnishment and time needed to process it.While her bank may not need 21 days, the process for garnishments and answers to garnishments is aformal process and on average takes at least 21 days. In this case, there was a bank garnishment inplace without a formal answer from the bank. At that time, it is impossible to discuss settlement in anysubstantive fashion because we need to know how much, if any, is on hold with the bank.Ultimately, while inconvient for Ms. Benajamin, the time frames for all of these issues and how theywere handled in this case comport with our general practices and the legal requirements surroundingthem. As stated above, the satisfaction of judgment and settled letter have been prepared and sent andMs. [redacted] is welcome to contact our office for copies to be faxed or emailed.Sincerely,/s[redacted]AttorneyFenton & McGarvey Law Firm, P.S.C.This communication is from a debt collector.This is an attempt to collect a debt.Any information obtained will be used for that purpose.Online Payment Available: https://fandm.accountpayment.net[redacted] - lblanklt.frm

[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 [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]- [redacted]