[redacted] (consumer) was contacted by our office on 2/5/in reference to a debt she owes that our office has been attempting to collect The consumer had set up a payment arrangement that day to resolve the account Our office had provided a payment arrangement letter the very same day to her email [redacted] @YAHOO.COM (aside from the original validation sent to the home address) On Monday 2/15/2016, one of our office representative had checked the company voicemail from over the weekend and had documented that the consumer called and left a request for call back about her payment that was processed 2/12/ Since the voicemail was checked our office attempted to reach the consumer on 2/15/2016, as well as 2/16/leaving two separate voicemail's Our office had even attempted to contact the consumer on 2/18/and 2/19/leaving two more voicemail's after this complaint was received and we have still yet to receive a return phone call from consumer I am not sure if consumer has now realized what the debt they are paying was for after they filed complaint and hasn't returned our phone calls because of this or if consumer just does not feel comfortable or has ability to pay the debt in which we would gladly pull her arrangement off file
Consumer has incorrect company There is a company out there who has been sending threatening emails stating people will be arrested if they do not pay This is 100% not our company but we are aware of the matter because we have had a few consumers call about the same issue If you refer back to the email it is from certain people (i.e [redacted] @***.com) This is not a Hewitt Capital email Our emails are addressed as ***@ [redacted] - [redacted] .com and anything not addressed from that email is not from our company I do apologize for the inconvenience and hassle these people have caused If you would like you can call the creditor who will refer you to our client [redacted] who will verify the debt is in our office and is paid
I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me This is agreeable to me, as long as they send the paid in full receipt they promised Regards, [redacted] ***
After review of the account the consumer had set up a payment arrangement within our office on 3/16/to resolve her debt At this point the consumer was notified that any changes to payment amounts or dates would need to be made hours in advance to the payment processingThe consumers first payment was due 4/16/ Unfortunately the consumers payment had not cleared and our office made several attempts to contact her regarding the payment The consumer had contacted our office back finally on 4/24/and had cleared her first paymentThe consumers next payment was scheduled for 5/8/ On this date (which was again after the hour request) the consumers payment declined and she had requested to move the payment to 5/13/Our office had moved this payment for the consumer for the second time to help her situation out and take care of the loan On 5/13/the consumers payment had processed and had cleared The consumer had then called in on that date and spoke with the representative from our office The consumer was not happy her payment was processed even though she had requested to have it processed for this date The consumer was then notified we cannot reverse the charge as she had already moved her payment dates twice within the late days and we have accommodated both her request The consumer was also notified that she was informed twice before that she must call in hours in advance to make any changes to her payments and our office cannot make adjustments after the payment has cleared The consumer was not happy with this response and had filed a complaint as well as charged back the payment with our officeRegards, Hewitt Capital LLC
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
As I assumed, this response is a complete farceWhen the shipping company called me to advise that there was a package, they also advised that they were unable to disclose any additional information, I requested that the connect me to the company sending the packageThe complied as well as provided a telephone number for the company in case the call was disconnected, they connected the call and set it up as a "warm call", therefore, they already had confirmed who I was before the call beganThe man that I spoke with would not identify himself, he would not provide any information regarding the company he represented, the only thing he consistently said was "if you are not home to sign for the package you will be arrested and sued"I disconnected the call, called the shipping company back and asked for help The woman I spoke with at the shipping company advised that she would do her best to get a woman on the phone in hopes that the call would go smoother That is how I was connected to Rachel P It wasn't until I notified them that I had filed a complaint with the FTC and the Revdex.com that I received an emailed letter confirming the company name, the debt, the amount - this was delivered to my email inbox on 11/23/ I mailed my letter advising them of the complaints filed on 11/20/15, they received it on 11/23/In that letter I requested the following things: A validation notice which (by law) must include the amount of the debt, the name of the creditor, and my
rights under the Fair Debt Collection Practices Act A copy of the agreed terms of repaymentProof that *** Capital, LLC operates in accordance with federal and state law (proof of licensing, bonding,
and registration required by the State of New York and any other state that *** Capital conducts business
The emailed letter I received from *** Capital, LLC stated the following:Original Account No*** Original Creditor ***.COM Current Balance $Please be advised that the balance on your delinquent account is due in our officeAll of your rights and
obligations regarding this account are with *** Capital LLC
Please contact your representative to schedule payments for this accountUpon clearance of funds, your
account will be considered paid in full, and a paid in full letter will be issued to you in which you can use
to update your credit reportIf you fail to adhere to the arrangement stated above, the balance in full, as
well as a $fee for any payment that is returned due to insufficient funds, shall be due immediately
If you have any questions regarding your account, you can reach us at ###-###-#### between the hours
of 8:am to 6:pm est., Monday through Friday
Federal law requires us to notify you that this is a communication from a debt recovery corporationThis is
an attempt to collect a debtAny information obtained will be used for that purpose. Date Amount Status 10/9/$POSTED 10/23/$POSTED 11/6/$POSTED Sincerely, *** Capital, LLC. This company has completely violated my rights protected by the Fair Debt Collection Practices Act by doing the following: Refusing to identify themselves Refusing to confirm the amount of the debt and the creditor Threatening arrest and litigationI am shocked and appalled that I have been threatened with arrest and being sued by anyone - especially a company who claims to be a debt collector and engages in behavior that clearly goes against a Federal Law The letter I received from *** Capital, LLC did not include the terms of the repayment agreement, nor did it include a copy of my rights protected by the Fair Debt Collection Practices Act Additionally, it did not include confirmation that *** Capital, LLC is a legitimate company By law, any debt collector who contacts you claiming you owe a payment on a debt is required to provide the name of the creditor, the amount owed, and how you can dispute the debt or seek verification of the debtIf the debt collector doesn't provide that information in the initial contact, the debt collector is required to send a written notice including that information within five days of the initial contactUntil this matter is resolved, I will not remit another payment, as I will not run the risk of opening myself up to yet another scam artist Enough is enough!
Regards,
*** ***
Not sure if [redacted] is still unaware that this account has been Paid in Full by [redacted] but we have issued 3 Paid in Full letters to [redacted] on September 4, 2017, December 20, 2017 and again on December 28, 2017. These were all sent to email address [redacted].com. [redacted]...
would have been made aware of this around the same time electronically. We cannot control how quickly [redacted] updates their records. If another copy of the Paid in Full letter is needed, please let us know by calling ###-###-####. We will assume that this complaint has been resolved as we have not heard back from [redacted] since, December 20, 2018.
Unfortunately after several attempts to locate the consumers account in our office we have not been able to do so. Our office does not have any consumer in our system for "[redacted]." I believe that this may be a mistake and the consumer has filed the complaint against the wrong...
company or the possibility that the complaint is for someone else in our system.
Consumer was contacted by our office on 10/7/2015 in regards to her debt. Unfortunately from what I am showing by the notes on the account the consumer was not willing to verify their identity. Because of this, the representative from our company would not disclose any information as...
this would be deviating from company protocol and FDCPA laws. Consumer had contacted our office back and spoke with a different representative. Consumer explained to the [redacted] rep that this was a case of identity fraud. The representative from our company then had gone through multiple series of verification with the information that was originally provided which all match the consumer. The purpose behind this is to make sure that this possibly wasn't a debt that the consumer may have forgotten about as the account was originally taken out 6-11-2013 and this was more than two years old. After verifying all the information on file was correct our representative notified the consumer that in order to dispute the account we would need her to obtain a police report for identity fraud. At this point the consumer had agreed that she would much rather resolve the account and pay it off in which we allowed her to set up biweekly payments. After this was scheduled our office immediately sent out a second notice of payment taken to the address listed on file (first validation notice sent 7/23/2015 when account was received in office). On 11/20/2015 consumer contacted our office because her payment that was scheduled for that day was returned as invalid card number. Consumer had notified our office that she has had too much identity theft and would not like to put her new card on file. Our representative then notified the consumer we would need some form of debit or prepaid on file to pay the account and suggested she obtain a prepaid if consumer was uncomfortable using bank account info. Consumer then notified our representative that she would just like to mail in her payments. Our rep then got an approval for the consumer to mail in all her payments because the supervisor was understanding towards Ms. [redacted] circumstances of having so much identity theft. Our office was unaware that the consumer had not received our payment arrangement letter we sent to her home. In order to resolve this, our office has sent two separate validation notices of the debt to both the consumers home address on file and her email address of [redacted].com. We hope this information is suffice for Ms. [redacted] and we look forward to helping her resolve her account in the future.
Consumer has incorrect company. There is a company out there who has been sending threatening emails stating people will be arrested if they do not pay. This is 100% not our company but we are aware of the matter because we have had a few consumers call about the same issue. If you...
refer back to the email it is from certain people (i.e. [redacted].com). This is not a Hewitt Capital email. Our emails are addressed as [redacted].com and anything not addressed from that email is not from our company. I do apologize for the inconvenience and hassle these people have caused. If you would like you can call the creditor who will refer you to our client [redacted] who will verify the debt is in our office and is paid.
After review of the account the consumer had set up a payment arrangement within our office on 3/16/2015 to resolve her debt. At this point the consumer was notified that any changes to payment amounts or dates would need to be made 24 hours in advance to the payment processing. The consumers...
first payment was due 4/16/2015. Unfortunately the consumers payment had not cleared and our office made several attempts to contact her regarding the payment. The consumer had contacted our office back finally on 4/24/2015 and had cleared her first payment. The consumers next payment was scheduled for 5/8/2015. On this date (which was again after the 24 hour request) the consumers payment declined and she had requested to move the payment to 5/13/2015. Our office had moved this payment for the consumer for the second time to help her situation out and take care of the loan. On 5/13/2015 the consumers payment had processed and had cleared. The consumer had then called in on that date and spoke with the representative from our office. The consumer was not happy her payment was processed even though she had requested to have it processed for this date. The consumer was then notified we cannot reverse the charge as she had already moved her payment dates twice within the late 30 days and we have accommodated both her request. The consumer was also notified that she was informed twice before that she must call in 24 hours in advance to make any changes to her payments and our office cannot make adjustments after the payment has cleared. The consumer was not happy with this response and had filed a complaint as well as charged back the payment with our office. Regards, Hewitt Capital LLC
According to our notes our office set up a mutual payment plan agreed to by Mr. [redacted] on 7-17-2017. In fact, Mr. [redacted] made a good faith payment of $34.05 on that same day in agreement. His next payment was due on July 31, 2017 for $182.65 and that one cleared on that...
day. The payment that Mr. [redacted] set up for August 31, 2017, defaulted. We were unable to get hold of Mr. [redacted] until, September 13, 2017 after several messages from the previous days. At that time, Mr [redacted] acknowledged the default and stated he will call back on September 15, 2017. On, September 15, 2017 we had to contact Mr. [redacted] and he stated that he cannot make a payment in September or October, 2017. When we advised him that we would not be able to keep the file in our office without payments represented each month, Mr. [redacted] proceeded to berate our phone representative along with using profanity. The call had to be manually terminated as we do not ask our employees to endure such language. This was the last contact with Mr. [redacted]. We never tried to contact him again and in-fact his file is no longer in our office and we have no ability to help him any longer.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. This is agreeable to me, as long as they send the paid in full receipt they promised.
Regards,
[redacted]
[redacted] (consumer) was contacted by our office on 2/5/2016 in reference to a debt she owes that our office has been attempting to collect. The consumer had set up a payment arrangement that day to resolve the account. Our office had provided a payment arrangement letter the very...
same day to her email [redacted]@YAHOO.COM (aside from the original validation sent to the home address). On Monday 2/15/2016, one of our office representative had checked the company voicemail from over the weekend and had documented that the consumer called and left a request for call back about her payment that was processed 2/12/2016. Since the voicemail was checked our office attempted to reach the consumer on 2/15/2016, as well as 2/16/2016 leaving two separate voicemail's. Our office had even attempted to contact the consumer on 2/18/2016 and 2/19/2016 leaving two more voicemail's after this complaint was received and we have still yet to receive a return phone call from consumer. I am not sure if consumer has now realized what the debt they are paying was for after they filed complaint and hasn't returned our phone calls because of this or if consumer just does not feel comfortable or has ability to pay the debt in which we would gladly pull her arrangement off file.
[redacted] (consumer) was contacted by our office on 2/5/in reference to a debt she owes that our office has been attempting to collect The consumer had set up a payment arrangement that day to resolve the account Our office had provided a payment arrangement letter the very same day to her email [redacted] @YAHOO.COM (aside from the original validation sent to the home address) On Monday 2/15/2016, one of our office representative had checked the company voicemail from over the weekend and had documented that the consumer called and left a request for call back about her payment that was processed 2/12/ Since the voicemail was checked our office attempted to reach the consumer on 2/15/2016, as well as 2/16/leaving two separate voicemail's Our office had even attempted to contact the consumer on 2/18/and 2/19/leaving two more voicemail's after this complaint was received and we have still yet to receive a return phone call from consumer I am not sure if consumer has now realized what the debt they are paying was for after they filed complaint and hasn't returned our phone calls because of this or if consumer just does not feel comfortable or has ability to pay the debt in which we would gladly pull her arrangement off file
Consumer has incorrect company There is a company out there who has been sending threatening emails stating people will be arrested if they do not pay This is 100% not our company but we are aware of the matter because we have had a few consumers call about the same issue If you refer back to the email it is from certain people (i.e [redacted] @***.com) This is not a Hewitt Capital email Our emails are addressed as ***@ [redacted] - [redacted] .com and anything not addressed from that email is not from our company I do apologize for the inconvenience and hassle these people have caused If you would like you can call the creditor who will refer you to our client [redacted] who will verify the debt is in our office and is paid
I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me This is agreeable to me, as long as they send the paid in full receipt they promised Regards, [redacted] ***
After review of the account the consumer had set up a payment arrangement within our office on 3/16/to resolve her debt At this point the consumer was notified that any changes to payment amounts or dates would need to be made hours in advance to the payment processingThe consumers first payment was due 4/16/ Unfortunately the consumers payment had not cleared and our office made several attempts to contact her regarding the payment The consumer had contacted our office back finally on 4/24/and had cleared her first paymentThe consumers next payment was scheduled for 5/8/ On this date (which was again after the hour request) the consumers payment declined and she had requested to move the payment to 5/13/Our office had moved this payment for the consumer for the second time to help her situation out and take care of the loan On 5/13/the consumers payment had processed and had cleared The consumer had then called in on that date and spoke with the representative from our office The consumer was not happy her payment was processed even though she had requested to have it processed for this date The consumer was then notified we cannot reverse the charge as she had already moved her payment dates twice within the late days and we have accommodated both her request The consumer was also notified that she was informed twice before that she must call in hours in advance to make any changes to her payments and our office cannot make adjustments after the payment has cleared The consumer was not happy with this response and had filed a complaint as well as charged back the payment with our officeRegards, Hewitt Capital LLC
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
As I assumed, this response is a complete farceWhen the shipping company called me to advise that there was a package, they also advised that they were unable to disclose any additional information, I requested that the connect me to the company sending the packageThe complied as well as provided a telephone number for the company in case the call was disconnected, they connected the call and set it up as a "warm call", therefore, they already had confirmed who I was before the call beganThe man that I spoke with would not identify himself, he would not provide any information regarding the company he represented, the only thing he consistently said was "if you are not home to sign for the package you will be arrested and sued"I disconnected the call, called the shipping company back and asked for help The woman I spoke with at the shipping company advised that she would do her best to get a woman on the phone in hopes that the call would go smoother That is how I was connected to Rachel P It wasn't until I notified them that I had filed a complaint with the FTC and the Revdex.com that I received an emailed letter confirming the company name, the debt, the amount - this was delivered to my email inbox on 11/23/ I mailed my letter advising them of the complaints filed on 11/20/15, they received it on 11/23/In that letter I requested the following things: A validation notice which (by law) must include the amount of the debt, the name of the creditor, and my
rights under the Fair Debt Collection Practices Act A copy of the agreed terms of repaymentProof that *** Capital, LLC operates in accordance with federal and state law (proof of licensing, bonding,
and registration required by the State of New York and any other state that *** Capital conducts business
The emailed letter I received from *** Capital, LLC stated the following:Original Account No*** Original Creditor ***.COM Current Balance $Please be advised that the balance on your delinquent account is due in our officeAll of your rights and
obligations regarding this account are with *** Capital LLC
Please contact your representative to schedule payments for this accountUpon clearance of funds, your
account will be considered paid in full, and a paid in full letter will be issued to you in which you can use
to update your credit reportIf you fail to adhere to the arrangement stated above, the balance in full, as
well as a $fee for any payment that is returned due to insufficient funds, shall be due immediately
If you have any questions regarding your account, you can reach us at ###-###-#### between the hours
of 8:am to 6:pm est., Monday through Friday
Federal law requires us to notify you that this is a communication from a debt recovery corporationThis is
an attempt to collect a debtAny information obtained will be used for that purpose. Date Amount Status 10/9/$POSTED 10/23/$POSTED 11/6/$POSTED Sincerely, *** Capital, LLC. This company has completely violated my rights protected by the Fair Debt Collection Practices Act by doing the following: Refusing to identify themselves Refusing to confirm the amount of the debt and the creditor Threatening arrest and litigationI am shocked and appalled that I have been threatened with arrest and being sued by anyone - especially a company who claims to be a debt collector and engages in behavior that clearly goes against a Federal Law The letter I received from *** Capital, LLC did not include the terms of the repayment agreement, nor did it include a copy of my rights protected by the Fair Debt Collection Practices Act Additionally, it did not include confirmation that *** Capital, LLC is a legitimate company By law, any debt collector who contacts you claiming you owe a payment on a debt is required to provide the name of the creditor, the amount owed, and how you can dispute the debt or seek verification of the debtIf the debt collector doesn't provide that information in the initial contact, the debt collector is required to send a written notice including that information within five days of the initial contactUntil this matter is resolved, I will not remit another payment, as I will not run the risk of opening myself up to yet another scam artist Enough is enough!
Regards,
*** ***
Not sure if [redacted] is still unaware that this account has been Paid in Full by [redacted] but we have issued 3 Paid in Full letters to [redacted] on September 4, 2017, December 20, 2017 and again on December 28, 2017. These were all sent to email address [redacted].com. [redacted]...
would have been made aware of this around the same time electronically. We cannot control how quickly [redacted] updates their records. If another copy of the Paid in Full letter is needed, please let us know by calling ###-###-####. We will assume that this complaint has been resolved as we have not heard back from [redacted] since, December 20, 2018.
Unfortunately after several attempts to locate the consumers account in our office we have not been able to do so. Our office does not have any consumer in our system for "[redacted]." I believe that this may be a mistake and the consumer has filed the complaint against the wrong...
company or the possibility that the complaint is for someone else in our system.
Consumer was contacted by our office on 10/7/2015 in regards to her debt. Unfortunately from what I am showing by the notes on the account the consumer was not willing to verify their identity. Because of this, the representative from our company would not disclose any information as...
this would be deviating from company protocol and FDCPA laws. Consumer had contacted our office back and spoke with a different representative. Consumer explained to the [redacted] rep that this was a case of identity fraud. The representative from our company then had gone through multiple series of verification with the information that was originally provided which all match the consumer. The purpose behind this is to make sure that this possibly wasn't a debt that the consumer may have forgotten about as the account was originally taken out 6-11-2013 and this was more than two years old. After verifying all the information on file was correct our representative notified the consumer that in order to dispute the account we would need her to obtain a police report for identity fraud. At this point the consumer had agreed that she would much rather resolve the account and pay it off in which we allowed her to set up biweekly payments. After this was scheduled our office immediately sent out a second notice of payment taken to the address listed on file (first validation notice sent 7/23/2015 when account was received in office). On 11/20/2015 consumer contacted our office because her payment that was scheduled for that day was returned as invalid card number. Consumer had notified our office that she has had too much identity theft and would not like to put her new card on file. Our representative then notified the consumer we would need some form of debit or prepaid on file to pay the account and suggested she obtain a prepaid if consumer was uncomfortable using bank account info. Consumer then notified our representative that she would just like to mail in her payments. Our rep then got an approval for the consumer to mail in all her payments because the supervisor was understanding towards Ms. [redacted] circumstances of having so much identity theft. Our office was unaware that the consumer had not received our payment arrangement letter we sent to her home. In order to resolve this, our office has sent two separate validation notices of the debt to both the consumers home address on file and her email address of [redacted].com. We hope this information is suffice for Ms. [redacted] and we look forward to helping her resolve her account in the future.
Consumer has incorrect company. There is a company out there who has been sending threatening emails stating people will be arrested if they do not pay. This is 100% not our company but we are aware of the matter because we have had a few consumers call about the same issue. If you...
refer back to the email it is from certain people (i.e. [redacted].com). This is not a Hewitt Capital email. Our emails are addressed as [redacted].com and anything not addressed from that email is not from our company. I do apologize for the inconvenience and hassle these people have caused. If you would like you can call the creditor who will refer you to our client [redacted] who will verify the debt is in our office and is paid.
After review of the account the consumer had set up a payment arrangement within our office on 3/16/2015 to resolve her debt. At this point the consumer was notified that any changes to payment amounts or dates would need to be made 24 hours in advance to the payment processing. The consumers...
first payment was due 4/16/2015. Unfortunately the consumers payment had not cleared and our office made several attempts to contact her regarding the payment. The consumer had contacted our office back finally on 4/24/2015 and had cleared her first payment. The consumers next payment was scheduled for 5/8/2015. On this date (which was again after the 24 hour request) the consumers payment declined and she had requested to move the payment to 5/13/2015. Our office had moved this payment for the consumer for the second time to help her situation out and take care of the loan. On 5/13/2015 the consumers payment had processed and had cleared. The consumer had then called in on that date and spoke with the representative from our office. The consumer was not happy her payment was processed even though she had requested to have it processed for this date. The consumer was then notified we cannot reverse the charge as she had already moved her payment dates twice within the late 30 days and we have accommodated both her request. The consumer was also notified that she was informed twice before that she must call in 24 hours in advance to make any changes to her payments and our office cannot make adjustments after the payment has cleared. The consumer was not happy with this response and had filed a complaint as well as charged back the payment with our office. Regards, Hewitt Capital LLC
According to our notes our office set up a mutual payment plan agreed to by Mr. [redacted] on 7-17-2017. In fact, Mr. [redacted] made a good faith payment of $34.05 on that same day in agreement. His next payment was due on July 31, 2017 for $182.65 and that one cleared on that...
day. The payment that Mr. [redacted] set up for August 31, 2017, defaulted. We were unable to get hold of Mr. [redacted] until, September 13, 2017 after several messages from the previous days. At that time, Mr [redacted] acknowledged the default and stated he will call back on September 15, 2017. On, September 15, 2017 we had to contact Mr. [redacted] and he stated that he cannot make a payment in September or October, 2017. When we advised him that we would not be able to keep the file in our office without payments represented each month, Mr. [redacted] proceeded to berate our phone representative along with using profanity. The call had to be manually terminated as we do not ask our employees to endure such language. This was the last contact with Mr. [redacted]. We never tried to contact him again and in-fact his file is no longer in our office and we have no ability to help him any longer.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. This is agreeable to me, as long as they send the paid in full receipt they promised.
Regards,
[redacted]
[redacted] (consumer) was contacted by our office on 2/5/2016 in reference to a debt she owes that our office has been attempting to collect. The consumer had set up a payment arrangement that day to resolve the account. Our office had provided a payment arrangement letter the very...
same day to her email [redacted]@YAHOO.COM (aside from the original validation sent to the home address). On Monday 2/15/2016, one of our office representative had checked the company voicemail from over the weekend and had documented that the consumer called and left a request for call back about her payment that was processed 2/12/2016. Since the voicemail was checked our office attempted to reach the consumer on 2/15/2016, as well as 2/16/2016 leaving two separate voicemail's. Our office had even attempted to contact the consumer on 2/18/2016 and 2/19/2016 leaving two more voicemail's after this complaint was received and we have still yet to receive a return phone call from consumer. I am not sure if consumer has now realized what the debt they are paying was for after they filed complaint and hasn't returned our phone calls because of this or if consumer just does not feel comfortable or has ability to pay the debt in which we would gladly pull her arrangement off file.