Law Firm of Allan C. Smith, P.C.

April 15, SENT VIA (Revdex.com) [redacted] Chanhassen , MN [redacted] RE: Lisa Smith [redacted] - Revdex.com Dear [redacted] ***: My name is Ryan C [redacted] and I am The Compliance Attorney at the Law Firm of Allan CSmith, P.C (hereafter, the “firm”)I have reviewed the complaint received in my office on April 15st, regarding your account I am very sorry you had difficulty reaching our firmOver the last week, we have had some technology issues associated with our data and phone networksWhile that is true, I am sorry it had made you unable to reach us or unable to discuss your accountYour fax was received by our office on 4/14/and a call was placed to your phone number ###-###-####Unfortunately a message indicated that calls could not be received at that time With regards to your account, your placed balance was $On a call on June 30th, with our collection professional, you agreed to a payment plan with a down payment on June 31, of $and remaining payments of $Payments of $were made in August, September, October, November, December, January, February, and March for a total of $455.08, leaving a remaining balance of $You have three remaining payments of $remaining in the settlement: April, May, & JuneThese payments all all scheduled for the last day of the month I invite you to contact my office via my e-mail ( [redacted] @dbgnlaw.com) or via phone at ###-###-#### to discuss this matter furtherI hope by providing the balance and remaining payment schedule, I may have been able to answer your concerns Sincerely, Ryan *C***, Esq

[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 is satisfactory to me. Regards, [redacted] ***

April 2, 2015
SENT VIA (Revdex.com)
[redacted]
[redacted].
Portland , OR [redacted]
RE: [redacted]
[redacted] - Revdex.com
Dear **. [redacted]:
My name is Ryan C[redacted] and I am The Compliance Attorney at the Law Firm of Allan C. Smith, P.C (hereafter, the “firm”). I have reviewed...

the complaint received in my office on April 1st, 2015 regarding your account.
According to our records, your wife spoke to the firm on February 13, 2015 with Sandy S[redacted], a collection manager. During that conversation, your wife agreed to make a one-time payment of $897.21 which would be paid by a mailed in Money Order on February 27th. We agreed to transmit that writing to your wife via her e-mail address: [redacted].[redacted]@[redacted].net. After that conversation, we had not heard from yourself or your wife until April 1st. Our collection manager had left multiple messages at the ###-###-#### which your wife had previously stated was a good contact number to reach you. I can also assure you that our firm does not charge interest on your account.
I invite you to contact me at my office at ([redacted] [redacted] so I may ensure your matter is addressed properly and you will be able to resolve this account. I will be in the office until 5PM EST on April 2nd and I will return to the office on Monday April 6th. You may also ask for Sandy Snow whom would also be able to assist you.
Sincerely,
Ryan E. C[redacted], Esq.

April 15, 2015
SENT VIA (Revdex.com)
[redacted]
[redacted]
Chanhassen , MN [redacted]
RE: Lisa Smith
[redacted] - Revdex.com
Dear [redacted]:
My name is Ryan C[redacted] and I am The Compliance Attorney at the Law Firm of Allan C. Smith, P.C (hereafter, the “firm”). I have...

reviewed the complaint received in my office on April 15st, 2015 regarding your account.
I am very sorry you had difficulty reaching our firm. Over the last week, we have had some technology issues associated with our data and phone networks. While that is true, I am sorry it had made you unable to reach us or unable to discuss your account. Your fax was received by our office on 4/14/2015 and a call was placed to your phone number ###-###-####. Unfortunately a message indicated that calls could not be received at that time.
With regards to your account, your placed balance was $655.08. On a call on June 30th, 2014 with our collection professional, you agreed to a payment plan with a down payment on June 31, 2014 of $55.08 and 12 remaining payments of $50.00. Payments of $50.00 were made in August, September, October, November, December, January, February, and March for a total of $455.08, leaving a remaining balance of $150.00. You have three remaining payments of $50.00 remaining in the settlement: April, May, & June. These payments all all scheduled for the last day of the month.
I invite you to contact my office via my e-mail ([redacted]@dbgnlaw.com) or via phone at ###-###-#### to discuss this matter further. I hope by providing the balance and remaining payment schedule, I may have been able to answer your concerns.
Sincerely,
Ryan *. C[redacted], Esq.

[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 is satisfactory to me. 
Regards,
[redacted]

Review: I have been repeatedly harrassed by this firm via telephone regarding a debt even after I informed them innumerable times my only income is from my Social Security Disability. They refuse to stop harrassing me regarding this matter although, if this firm is indeed a law firm, they are aware that it is against federal law to debit my Social Security Disability for any debt. I have repeatedly attempted to resolve this matter, although this law firm has never provided anything in writing to me as to the nature of this entire matter. I live in New York City and the New York City Department of Consumer Affairs has informed me this firm has no in-state or out-of-state Debt Collectors License to practice in the City of New York, a requirement for the firm to engage in debt collection activity against a New York City resident. This firm has received a "D" rating from the Revdex.com involving 16 complaints against them in the last three years. I cannot get this firm to stop their harrassing telephone calls over a debt they claim I owe even though they are well-aware this debt is uncollectible, for the reasons stated above.Desired Settlement: I wish this firm to stop contacting me regarding this matter, as it is aggravating my disability condition and could result in a hospitalization if this constant harrassment continues.

Business

Response:

Dear [redacted],

My name is [redacted] and I am the

Chief Compliance Officer for the Law Firm of Allan C. Smith. I have reviewed

**. [redacted]’s file. **. [redacted]’s file was placed with our firm on 10/1/2013. An

initial letter was mailed on 10/2/2013 to the address on record, which matches

the address **. [redacted] listed on the Revdex.com Complaint. **. [redacted]

was reached by a Collection Professional on that date in which he stated he was

on SSI and Disability. He stated he wanted to receive a letter from our firm

prior to taking action.

Attempts were made

to contact **. [redacted] during the month of October at a rate of approximately one

call every five or six days. These were unsuccessful, except for one time in

which **. [redacted] hung up the phone when a Collection Professional Attempted to

verify his identify prior to communicating. **. [redacted] at no time, requested we

not contact him through phone or by mail.

Furthermore, **.

[redacted], in his complaint, stated his debt was uncollectable. Our client has made

no decisions yet regarding further collection activities so any discussion of

debiting a SSI or Disability income is premature and speculative on **. [redacted]’s

part. At no time did a Collection Professional state such an action was being

contemplated by the client or the firm. We simply invited **. [redacted] to

voluntarily resolve an outstanding matter. Additionally, **. [redacted] is correct

that our firm is not a licensed by the New York City Department of Consumer

Affairs for the Collection of Debt. As a law firm, with a New York licensed

attorney, we are exempted from licensing by the New York City Department of

Consumer Affairs. I can understand how **. [redacted] could confuse our exemption.

I have notated that

**. [redacted] wishes to no longer receive mail or phone calls from this account. I

have requested the account be returned to the client. The Firm will have no

further business with **. [redacted] regarding this account.

Sincerely,

[redacted] Calef, Esq.

Consumer

Response:

[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.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: On April 3, 2013 I went to my ATM to withdraw my pay check, when trying to withdraw my money it stated insuffient funds. I have an account with attorney smith, Cash,LLC, which I have been making $100.00 month payments, and when I was unable to I would contact them in writing. Now they went into my account and I have a negative balance of 6431.37, they took all my money and file a hold on my account without my knowledge, so now I have nothing to pay my bills, purchase food, etc. I would like to know legally if they can do so, I thought you had to give the person a chance to make payment arrangments or pay the balance in full. I am writing to inquire as to what I can do as far as getting this Law Firm to withdraw the hold on my account, also about 1 year ago I had a sheriff contact me at my home and stated they were going to sheriff sale my goods if I did not pay them, and I had again been making regular payments. Please advise me as to what action I can take against this Law Firm.Desired Settlement: I would like to have the money refund to my savings account so I can pay my bills and I agree to continue to make regular payments of $100.00 month until it is paid in full. I also would like a letter from the firm stating that this was done incorrectly so that I can provide a copy to my creditors.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: I spoke to a [redacted] at the law firm several times and she told me she spoke with Attorney Smith regarding this and I made an agreement that if they would take the $980.00 from my savings account at [redacted] I would be willing to pay $170.00month for the next 24 months until the balance is paid in full. I don't feel the lines of communication at this debt collection company is very good as in the attachment they stated they contacted me several times, I believe this is incorrect and I contacted them either in writing or by phone and last week I had numerous conversations with [redacted] and I spoke to her on Tuesday and she stated that it could take several days until the issue could be resolve she did state she spoke with ATtorny Smith and the legal department had sent a document to my bank to assure them that they would receive my pay of $980.00, so yes I am rejected and requesting a different resolution as apparently the person who is legally representing this firm has not communicated with the employees. I again am requesting the writ be removed from my account as I have made agreement to make payments but have yet heard back from [redacted] regarding this matter.

Regards,

Business

Response:

Please see attached.

Review: Concerns CACH, LLC, Law firm of Allan Smith, [redacted]. It was a [redacted] account where last statement was in 2009. I repeatly ask [redacted], for proof of what I was being charge for. It seemed high and I wanted to know. Then they turned it over to [redacted] in NJ April 09. They then quit and [redacted] took over and I repeatly asked them for proof. Then it went to [redacted] from [redacted] CO. Then I started getting it from this Law Firm of Allan Smith in Bristol, PA. I sent repeatly letters to them for verification, the complete payment history and all. I have confirming letters of this and the certified mailing receipt. I never received anything but now I got served that they were suing me in court. Complete unfairness and they are not following the Federal Trade Commission laws about verification, etc. They are breaking the law. ThanksDesired Settlement: I want them to quit bothering me and give me proof and verification which they have not done so.

Business

Response:

September 13, 2013

Dear **. [redacted],

My name is [redacted] and I am the Firm's Chief Compliance Officer. I have reviewed the notes on **. [redacted]'s file. Our firm takes compliance extremely seriously and follows our obligations under the Fair Debt Collections Practices Act, and FTC Opinions. Upon reviewing the notes, our firm followed our obligations under the law for validation.

**. [redacted]'s account was placed with our firm in February 2013. An initial notification letter of our representative of CACH, LLC was sent to the consumer. Prompted by that initial notification letter, **. [redacted] sent in a request for validation on 2/19/2013. We responded to that request on 2/21/2013 by sending the following documentation to **. [redacted] by way of US Mail:

• Multiple Statements from her account

• The Affidavit of Sale from her original Creditor to CACH, LLC.

• The Original Creditor's Charge Off Statement

• The Bill of Sale

These documents are considered sufficient to establish validation of debt for the purposes of the request. **. [redacted] responded to that information on 3/5/2013 demanding more information, falsely stating she was entitled to additional information under the FDPCA and FTC. As part of that letter, was a request to Cease and Desist Communication. The firm honored her request to cease communication. **. [redacted] sent in a second demand for additional information on 3/26/2013.

The Firm filed suit on 8/8/2013 in proper jurisdiction as per the client's guidelines. **. [redacted] had no further contact after the 3/26/2013 letter. Attached to that complaint was the documentation previously sent to **. [redacted]. **. [redacted]'s received the documentation she was entitled in order to establish a debt was owed, that **. [redacted]'s was obligated to that debt, and that CACH, LLC was entitled to the proceeds of that recovery.

Thank you.

I have been repeatedly harrassed by this firm via telephone regarding a debt even after I informed them innumerable times my only income is from my Social Security Disability. They refuse to stop harrassing me regarding this matter although, if this firm is indeed a law firm, they are aware that it is against federal law to debit my Social Security Disability for any debt. I have repeatedly attempted to resolve this matter, although this law firm has never provided anything in writing to me as to the nature of this entire matter. I live in New York City and the New York City Department of Consumer Affairs has informed me this firm has no in-state or out-of-state Debt Collectors License to practice in the City of New York, a requirement for the firm to engage in debt collection activity against a New York City resident. This firm has received a "D" rating from the Revdex.com involving 16 complaints against them in the last three years. I cannot get this firm to stop their harrassing telephone calls over a debt they claim I owe even though they are well-aware this debt is uncollectible, for the reasons stated above.