Granite Community Loan Center

Mr [redacted] indicates that he has requested documentation from my office on several occasions and such documents were never provided I have thoroughly reviewed our account notes and I do not see any indication of such a request, nor do I see any evidence of a written request I do see that Mr [redacted] has made some payments on this account Mr [redacted] claims that the amount we are seeking to collect from him is much higher than what he agreed to Mr [redacted] fails to take into consideration that the loan he entered into with our client was a short-term title loan that was intended to be repaid in monthly installments with interest accruing at an annualized rate of 180% He defaulted on the loan, and the reason the repayment amount is so high is because of the extremely high rate of interest he agreed to, all as indicated in the loan documentation.I have attached the account level loan documentation which verifies the loan amount, rate of interest, payment history (both before the account was sent to my office and after), as well as numerous other account documents signed by Mr [redacted] acknowledging his obligations These documents have been redacted to remove sensitive information such as: account numbers, social security numbers, telephone numbers, date of birth, etc.These documents are intended to validate the debt and to satisfy Mr [redacted] 's request for documentation proving that he did, in fact, enter into a loan with my client and that he has defaulted on its repayment Should he have any questions, he is certainly welcome to call my office and speak with members of my staff responsible for the handling of this matter, as we are willing to try to establish a workable resolution.Thank you -- Mark K [redacted] THE LAW OFFICES OF MARK AK [redacted] Mark K [redacted] | PresidentWSouthern Ave2nd Floor Mesa, AZ 85210t: (480) 551-x117| f:(480) [email protected]|www.MAKPC.com

To Whom It May Concern:Our Office, on behalf of Sunwest Federal Credit Union, filed a civil action and ultimately obtained a money Judgment against Ms [redacted] The Judgment was on the merits, i.ein the form of summary Judgment, which was obtained after MsW [redacted] voluntary appearance in the case Absent voluntary payments to resolve the Judgment balance, our Office lawfully proceeded with a non-earnings garnishment, pursuant to A.R.S12-et seq., which does not require advance notice of the proceeding Within the garnishment proceeding, MsW [redacted] was provided notice of the proceeding directly by the banking institution, as required; namely, by delivery of (among other things) the Judgment, Writ, and Garnishee's Answer Suffice it to say, the garnishment is proper and lawful Should you have any further questions, feel free to contact our Office Regards,Joseph LW [redacted] , AttorneyMark AKi [redacted] , P.C

Mr*** -- I am not certain why you were told we could not provide documents, and our systems note do not reflect your requests. Nonetheless, I have now provided you with the documents verifying the existence of the obligation. I also cannot explain why you did not hear from anyone for almost years, but it might be because you moved away from the state and did not provide a forwarding address. This matter was not sent to my office until June of 2016. We began trying to contact you in July and made contact with you the first time in August of 2016. As such, any delays in communicating with you were not the fault of my office. I suspect that you do understand that this type of loan (a title loan) is intended to be short term and it carries a very high rate of interest. If not paid off in the short time period initially intended, the interest interest piles up at a very high rate. I have discussed this matter with our client and I have authorization to resolve the matter in exchange for one final payment in the amount of $150.00. That will bring the total amount paid to my office to $1,500.00, and we will close the account as settled for less than the full amount.I believe this to be a more than fair resolution since the accrued interest currently showing is now over $6,000.00. Please let me know if this is acceptable and upon receipt of the final payment we can provide you will a letter indicating that the account has been satisfied and closed.Thank you -- Mark K***

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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

The reason I reject this is because I have asked members of your staff to provide me with written documentation and was told they cannot send me anything by Mail or email and this is the first I have seen any documentation and as I told the representative at the Office that I do not make enough to pay $a month as I am already being Garnished 25%of my wages and my hours are now being cut and now I am behind on other bills now and would like to discuss these obligations and I am no longer in Phoenix nor have I been attempted to be contacted prior to years later so again since this is first time I seen this I do need to look it over and see if there is a different option especially since I have paid $into this and was told by your office if I pay $there would be no more required so please provide explanation as to why I have to pay $according to your paper work

To Whom It May Concern:Our Office, on behalf of Sunwest Federal Credit Union, filed a civil action and ultimately obtained a money Judgment against Ms. [redacted]  The Judgment was on the merits, i.e. in the form of summary Judgment, which was obtained after Ms. W[redacted] voluntary appearance in...

the case.  Absent voluntary payments to resolve the Judgment balance, our Office lawfully proceeded with a non-earnings garnishment, pursuant to A.R.S. 12-1570 et seq., which does not require advance notice of the proceeding.  Within the garnishment proceeding, Ms. W[redacted] was provided notice of the proceeding directly by the banking institution, as required; namely, by delivery of (among other things) the Judgment, Writ, and Garnishee's Answer.  Suffice it to say, the garnishment is proper and lawful.  Should you have any further questions, feel free to contact our Office.  Regards,Joseph L. W[redacted], AttorneyMark A. Ki[redacted], P.C.

Mr. [redacted] indicates that he has requested documentation from my office on several occasions and such documents were never provided.  I have thoroughly reviewed our account notes and I do not see any indication of such a request, nor do I see any evidence of a written request.  I do see...

that Mr. [redacted] has made some payments on this account.  Mr. [redacted] claims that the amount we are seeking to collect from him is much higher than what he agreed to.  Mr. [redacted] fails to take into consideration that the loan he entered into with our client was a short-term title loan that was intended to be repaid in 6 monthly installments with interest accruing at an annualized rate of 180%.  He defaulted on the loan, and the reason the repayment amount is so high is because of the extremely high rate of interest he agreed to, all as indicated in the loan documentation.I have attached the account level loan documentation which verifies the loan amount, rate of interest, payment history (both before the account was sent to my office and after), as well as numerous other account documents signed by Mr. [redacted] acknowledging his obligations.  These documents have been redacted to remove sensitive information such as: account numbers, social security numbers, telephone numbers, date of birth, etc.These documents are intended to validate the debt and to satisfy Mr. [redacted]'s request for documentation proving that he did, in fact, enter into a loan with my client and that he has defaulted on its repayment.  Should he have any questions, he is certainly welcome to call my office and speak with members of my staff responsible for the handling of this matter, as we are willing to try to establish a workable resolution.Thank you -- Mark K[redacted]    THE LAW OFFICES OF MARK A. K[redacted]Mark K[redacted]| President1119 W. Southern Ave. 2nd Floor Mesa, AZ 85210t: (480) 551-2173 x117| f:(480) [email protected]|www.MAKPC.com

The Law Firm of Mark K[redacted] is a law firm and not a collection agency. General Appliance Repair retained our services to collect on debt owed to them. The law firm relied on information provided by our client that Ms. [redacted] was the liable party to this debt. However, after receiving the...

information contained in this complaint, we have taken the following action: the account in question has been closed in our offices and we will cease all further communication with Ms. [redacted] and will not continue to attempt to collect this debt from Ms. [redacted]. Further, our office has not made any negative report related to Ms. [redacted] to any credit reporting agency regarding this debt.