Initial Business Response / [redacted] (1000, 5, 2014/10/20) */ Here is a copy of the email that was sent back to the consumer on or about 10/1/14: Dear Ms [redacted] Our records indicate that there is a remaining balance of $3,Your account was placed with us on Oct 20, At that time you had a balance of $4,dueThis balance included all payments made to [redacted] & ***Since that time you have made payments totaling of $2,to our officesInterest per state law accrues on your account at the rate of 10% per annum or $per dayPayments are credited against interest first then principal We have reviewed the [redacted] & [redacted] file and do not show a written agreement regarding your paymentsIf you have such an agreement please provide a copy to us for our records Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/10/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) October 21, Dear Ms [redacted] Thank you for forwarding my complaint to Gordon & WongHowever, Gordon & Wong did not complete a full investigationI have a letter from Peck & [redacted] (dated March 26, 2009) in response to my request with an accounting of my payments from July through February Further, I have a letter from [redacted] & Wong (dated November 30, 2010) and would like to quote the applicable sentences below "This letter is to inform you that the account that was formally handled by the Law Offices of Peck & Ray has now been transferred to our officeOur office will continue to honor your payment arrangements." I have made monthly payments in the amount of $from July through September and fully expect my account to reflect a total of $4,has been paidI would also like to know the reason that two separate agents from Gordon & Wong informed me by telephone that my balance was $(as of September 15, 2014) Gordon & Wong did not address their lack of courtesyI still don't understand the reason that no one from their office would return a phone call or respond to an emailI would like to speak with someone from [redacted] & Wong that can assist meFurther, I would like to know to whose attention I can forward copies of correspondence mentioned aboveWould you be able to get a name for me? Sincerely, [redacted] Final Consumer Response / [redacted] (3000, 10, 2014/11/10) */ I will forward this to Ms [redacted] to address your additional request - we have supplied the information that is available to us and the information we provided in our response was completeThe records from Peck & Ray are not in our possession as Mr [redacted] has retiredAs we have told Ms [redacted] on numerous occasions, the balance sent to our office in already reflected payments madeIf Ms [redacted] would kindly produce the letter from Peck & Ray which would show the balance she agreed to pay, as well as if interest accrued on the payment plan, which would obviously increase her monthly balance, and the date of the letter, then this can be easily resolvedWe have requested this from her to no availPlease feel free to request this from Ms [redacted] , perhaps she will provide it to youEither myself or Ms [redacted] will reach out to you by the EOW
Initial Business Response /* (1000, 5, 2015/07/23) */
Dear Ms ***:
Our office is in receipt of your Revdex.com Complaint, filed on July 19, 2015, in which you have stated that a garnishment has been served due to non-payment on your fileAfter the Firm's merger with Peck & Ray (October
2010), the appropriate forwarding orders were put in place with the USPS to receive mail from the prior Peck & Ray San Francisco location as well as the former South San Francisco location (as of October 2011) for *** & WongOur records show the last payment posted in our office on or about October 24, This October payment, as well as eleven other payments, would have been received and posted at either the South San Francisco or our current offices located at *** *** Blvd*** *** Creek, California XXXXXThe Firm is unaware of any issue with receiving or having consumer's mail returned to them due to these relocationsAs it may have been inconvenient, a call to *** & ***, or even to the client directly, would have been forwarded to our office for assistance
Further our records show that numerous letters, as well as a copy of the Substitution of Attorney, were mailed to the last known address that we had on file for youOur office would be unaware that this address may be incorrect unless notification was received from the post office or from you directlyNone of these correspondences were returned to our officePlease note that our office is barred by statute from sending regular correspondence to you at your possible employer due to a risk of third party disclosureThe garnishment documentation that was received are court issued and not governed by these same statutes
As to your allegation that there is a possible statute of limitations issue relating to the underlying judgment, please note the judgment was entered on June 18, and is valid for years after entry per statute
Page
As you indicated in your complaint, you are currently enrolled in a debt consolidation programOur office does not have a Power of Attorney or Notice of Representation from any debt consolidation company on file and neither our office nor client has been contacted by a debt consolidation companyOur office actively works with all major debt consolidation companies and would be more than happy to discuss this matter directly with them if neededIn the alternative to the debt consolidation company contacting our office and in order to possibly modify the garnishment that is in place, please contact our offices at your earliest conveniencePlease consider this our formal response to your inquiry
Yours Truly,
*** & *** Law Group, P.C
*** ***,
Director of Operations
Final Business Response /* (1000, 11, 2015/07/28) */
Update to the previous response from *** & Wong Law Group:
Our firm has spoken with the consumer on July 27, and have reached an amicable resolution to this matter
Initial Business Response /* (1000, 5, 2014/10/20) */
Here is a copy of the email that was sent back to the consumer on or about 10/1/14:
Dear Ms. [redacted]
Our records indicate that there is a remaining balance of $3,583.15. Your account was placed with us on Oct 20, 2010. At...
that time you had a balance of $4,488.23 due. This balance included all payments made to [redacted] & [redacted]. Since that time you have made payments totaling of $2,450.00 to our offices. Interest per state law accrues on your account at the rate of 10% per annum or $0.98 per day. Payments are credited against interest first then principal.
We have reviewed the [redacted] & [redacted] file and do not show a written agreement regarding your payments. If you have such an agreement please provide a copy to us for our records
Initial Consumer Rebuttal /* (3000, 7, 2014/10/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
October 21, 2014
Dear Ms. [redacted]
Thank you for forwarding my complaint to Gordon & Wong. However, Gordon & Wong did not complete a full investigation. I have a letter from Peck & [redacted] (dated March 26, 2009) in response to my request with an accounting of my payments from July 2007 through February 2009. Further, I have a letter from [redacted] & Wong (dated November 30, 2010) and would like to quote the applicable sentences below.
"This letter is to inform you that the account that was formally handled by the Law Offices of Peck & Ray has now been transferred to our office. Our office will continue to honor your payment arrangements."
I have made monthly payments in the amount of $50.00 from July 2007 through September 2014 and fully expect my account to reflect a total of $4,400.00 has been paid. I would also like to know the reason that two separate agents from Gordon & Wong informed me by telephone that my balance was $2013.39 (as of September 15, 2014).
Gordon & Wong did not address their lack of courtesy. I still don't understand the reason that no one from their office would return a phone call or respond to an email. I would like to speak with someone from [redacted] & Wong that can assist me. Further, I would like to know to whose attention I can forward copies of correspondence mentioned above. Would you be able to get a name for me?
Sincerely,
[redacted]
Final Consumer Response /* (3000, 10, 2014/11/10) */
I will forward this to Ms. [redacted] to address your additional request - we have supplied the information that is available to us and the information we provided in our response was complete. The records from Peck & Ray are not in our possession as Mr. [redacted] has retired. As we have told Ms. [redacted] on numerous occasions, the balance sent to our office in 2010 already reflected payments made. If Ms. [redacted] would kindly produce the letter from Peck & Ray which would show the balance she agreed to pay, as well as if interest accrued on the payment plan, which would obviously increase her monthly balance, and the date of the letter, then this can be easily resolved. We have requested this from her to no avail. Please feel free to request this from Ms. [redacted], perhaps she will provide it to you. Either myself or Ms. [redacted] will reach out to you by the EOW.
Initial Business Response /* (1000, 5, 2015/12/15) */
Contact Name and Title: [redacted]
Contact Phone: XXXXXXXXXX
Contact Email: [redacted].com
Our office is in receipt of your Revdex.com Complaint Case #XXXXXXXX. We have researched the details of your inquiry and found that a...
balance is still due and owing on this account. Our records show that you had entered into a Stipulation for Entry of Judgment with prior counsel ([redacted]) on or about March 25, 2009, in which you had agreed to pay the total amount of $21,017.32, including interest to accrue at 10% per annum. This amount was to be paid in bi-monthly installments of $175.00 on the 1st and 15th of each month.
Our office has prepared a full accounting for all of the payments applied to your account which total $13,650.00. I have attached a copy of this payment history to this letter for your reference. Some payments on the payment history show duplicate dates - this is due to applying your payments to all three accounts shown above. This amount ($13,650.00) minus the agreed upon total of the Stipulation ($21,017.32) equals a remaining balance of $7,367.32 due and owing as of the date of this letter.
In an effort to help resolve this matter quicker, our office will apply the total payments shown above to the principal balance only shown on the Stipulation of $18,003.21, which would create a balance due of $4,353.21. Our office will also be open to renegotiating the monthly payment amount with you at your request. Finally, if your records do not show the same balance, or if you see any payments that may be missing, please forward that information to our office and we will be happy to research it. Please consider this letter our formal response to your inquiry.
Initial Business Response / [redacted] (1000, 5, 2014/10/20) */ Here is a copy of the email that was sent back to the consumer on or about 10/1/14: Dear Ms [redacted] Our records indicate that there is a remaining balance of $3,Your account was placed with us on Oct 20, At that time you had a balance of $4,dueThis balance included all payments made to [redacted] & ***Since that time you have made payments totaling of $2,to our officesInterest per state law accrues on your account at the rate of 10% per annum or $per dayPayments are credited against interest first then principal We have reviewed the [redacted] & [redacted] file and do not show a written agreement regarding your paymentsIf you have such an agreement please provide a copy to us for our records Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/10/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) October 21, Dear Ms [redacted] Thank you for forwarding my complaint to Gordon & WongHowever, Gordon & Wong did not complete a full investigationI have a letter from Peck & [redacted] (dated March 26, 2009) in response to my request with an accounting of my payments from July through February Further, I have a letter from [redacted] & Wong (dated November 30, 2010) and would like to quote the applicable sentences below "This letter is to inform you that the account that was formally handled by the Law Offices of Peck & Ray has now been transferred to our officeOur office will continue to honor your payment arrangements." I have made monthly payments in the amount of $from July through September and fully expect my account to reflect a total of $4,has been paidI would also like to know the reason that two separate agents from Gordon & Wong informed me by telephone that my balance was $(as of September 15, 2014) Gordon & Wong did not address their lack of courtesyI still don't understand the reason that no one from their office would return a phone call or respond to an emailI would like to speak with someone from [redacted] & Wong that can assist meFurther, I would like to know to whose attention I can forward copies of correspondence mentioned aboveWould you be able to get a name for me? Sincerely, [redacted] Final Consumer Response / [redacted] (3000, 10, 2014/11/10) */ I will forward this to Ms [redacted] to address your additional request - we have supplied the information that is available to us and the information we provided in our response was completeThe records from Peck & Ray are not in our possession as Mr [redacted] has retiredAs we have told Ms [redacted] on numerous occasions, the balance sent to our office in already reflected payments madeIf Ms [redacted] would kindly produce the letter from Peck & Ray which would show the balance she agreed to pay, as well as if interest accrued on the payment plan, which would obviously increase her monthly balance, and the date of the letter, then this can be easily resolvedWe have requested this from her to no availPlease feel free to request this from Ms [redacted] , perhaps she will provide it to youEither myself or Ms [redacted] will reach out to you by the EOW
Initial Business Response /* (1000, 5, 2015/07/23) */
Dear Ms ***:
Our office is in receipt of your Revdex.com Complaint, filed on July 19, 2015, in which you have stated that a garnishment has been served due to non-payment on your fileAfter the Firm's merger with Peck & Ray (October
2010), the appropriate forwarding orders were put in place with the USPS to receive mail from the prior Peck & Ray San Francisco location as well as the former South San Francisco location (as of October 2011) for *** & WongOur records show the last payment posted in our office on or about October 24, This October payment, as well as eleven other payments, would have been received and posted at either the South San Francisco or our current offices located at *** *** Blvd*** *** Creek, California XXXXXThe Firm is unaware of any issue with receiving or having consumer's mail returned to them due to these relocationsAs it may have been inconvenient, a call to *** & ***, or even to the client directly, would have been forwarded to our office for assistance
Further our records show that numerous letters, as well as a copy of the Substitution of Attorney, were mailed to the last known address that we had on file for youOur office would be unaware that this address may be incorrect unless notification was received from the post office or from you directlyNone of these correspondences were returned to our officePlease note that our office is barred by statute from sending regular correspondence to you at your possible employer due to a risk of third party disclosureThe garnishment documentation that was received are court issued and not governed by these same statutes
As to your allegation that there is a possible statute of limitations issue relating to the underlying judgment, please note the judgment was entered on June 18, and is valid for years after entry per statute
Page
As you indicated in your complaint, you are currently enrolled in a debt consolidation programOur office does not have a Power of Attorney or Notice of Representation from any debt consolidation company on file and neither our office nor client has been contacted by a debt consolidation companyOur office actively works with all major debt consolidation companies and would be more than happy to discuss this matter directly with them if neededIn the alternative to the debt consolidation company contacting our office and in order to possibly modify the garnishment that is in place, please contact our offices at your earliest conveniencePlease consider this our formal response to your inquiry
Yours Truly,
*** & *** Law Group, P.C
*** ***,
Director of Operations
Final Business Response /* (1000, 11, 2015/07/28) */
Update to the previous response from *** & Wong Law Group:
Our firm has spoken with the consumer on July 27, and have reached an amicable resolution to this matter
Initial Business Response /* (1000, 5, 2014/10/20) */
Here is a copy of the email that was sent back to the consumer on or about 10/1/14:
Dear Ms. [redacted]
Our records indicate that there is a remaining balance of $3,583.15. Your account was placed with us on Oct 20, 2010. At...
that time you had a balance of $4,488.23 due. This balance included all payments made to [redacted] & [redacted]. Since that time you have made payments totaling of $2,450.00 to our offices. Interest per state law accrues on your account at the rate of 10% per annum or $0.98 per day. Payments are credited against interest first then principal.
We have reviewed the [redacted] & [redacted] file and do not show a written agreement regarding your payments. If you have such an agreement please provide a copy to us for our records
Initial Consumer Rebuttal /* (3000, 7, 2014/10/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
October 21, 2014
Dear Ms. [redacted]
Thank you for forwarding my complaint to Gordon & Wong. However, Gordon & Wong did not complete a full investigation. I have a letter from Peck & [redacted] (dated March 26, 2009) in response to my request with an accounting of my payments from July 2007 through February 2009. Further, I have a letter from [redacted] & Wong (dated November 30, 2010) and would like to quote the applicable sentences below.
"This letter is to inform you that the account that was formally handled by the Law Offices of Peck & Ray has now been transferred to our office. Our office will continue to honor your payment arrangements."
I have made monthly payments in the amount of $50.00 from July 2007 through September 2014 and fully expect my account to reflect a total of $4,400.00 has been paid. I would also like to know the reason that two separate agents from Gordon & Wong informed me by telephone that my balance was $2013.39 (as of September 15, 2014).
Gordon & Wong did not address their lack of courtesy. I still don't understand the reason that no one from their office would return a phone call or respond to an email. I would like to speak with someone from [redacted] & Wong that can assist me. Further, I would like to know to whose attention I can forward copies of correspondence mentioned above. Would you be able to get a name for me?
Sincerely,
[redacted]
Final Consumer Response /* (3000, 10, 2014/11/10) */
I will forward this to Ms. [redacted] to address your additional request - we have supplied the information that is available to us and the information we provided in our response was complete. The records from Peck & Ray are not in our possession as Mr. [redacted] has retired. As we have told Ms. [redacted] on numerous occasions, the balance sent to our office in 2010 already reflected payments made. If Ms. [redacted] would kindly produce the letter from Peck & Ray which would show the balance she agreed to pay, as well as if interest accrued on the payment plan, which would obviously increase her monthly balance, and the date of the letter, then this can be easily resolved. We have requested this from her to no avail. Please feel free to request this from Ms. [redacted], perhaps she will provide it to you. Either myself or Ms. [redacted] will reach out to you by the EOW.
Initial Business Response /* (1000, 5, 2015/12/15) */
Contact Name and Title: [redacted]
Contact Phone: XXXXXXXXXX
Contact Email: [redacted].com
Our office is in receipt of your Revdex.com Complaint Case #XXXXXXXX. We have researched the details of your inquiry and found that a...
balance is still due and owing on this account. Our records show that you had entered into a Stipulation for Entry of Judgment with prior counsel ([redacted]) on or about March 25, 2009, in which you had agreed to pay the total amount of $21,017.32, including interest to accrue at 10% per annum. This amount was to be paid in bi-monthly installments of $175.00 on the 1st and 15th of each month.
Our office has prepared a full accounting for all of the payments applied to your account which total $13,650.00. I have attached a copy of this payment history to this letter for your reference. Some payments on the payment history show duplicate dates - this is due to applying your payments to all three accounts shown above. This amount ($13,650.00) minus the agreed upon total of the Stipulation ($21,017.32) equals a remaining balance of $7,367.32 due and owing as of the date of this letter.
In an effort to help resolve this matter quicker, our office will apply the total payments shown above to the principal balance only shown on the Stipulation of $18,003.21, which would create a balance due of $4,353.21. Our office will also be open to renegotiating the monthly payment amount with you at your request. Finally, if your records do not show the same balance, or if you see any payments that may be missing, please forward that information to our office and we will be happy to research it. Please consider this letter our formal response to your inquiry.