Since the filing of this complaint, our office has attempted to contact the consumer in connection with this actionWe have been unable to establish contact, and request the consumer contact our office directly so that we may assist her is resolution of this matter
As Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com complaintThe consumer correctly states that the parties entered into an amended agreement ordered on September 22, In this amended agreement, the consumer’s mother and co-signor on the
underlying loan, *** *** was included in the consumer’s settlement stipulationDue to a clerical error, the firm did not properly update Ms*** ***’s fileThis error caused further paperwork out to be served and filed upon Ms*** ***Upon receipt of this complaint our office immediately dismissed the pending action against Ms*** ***Additionally, the associated file has been properly updated to avoid further collection activityMachol & Johannes prides itself on compliance with all federal, state, and local laws and regulations. As a debt collection law firm, we strive to reach amicable resolutions and we work with individuals towards solutions. We invite the consumer to contact our office directly if there is anything further that our office may provide in resolution of this matter
Re: Discover Bank Thank you for forwarding the consumer’s additional commentsM&J has addressed the consumer’s concerns in its initial response to the Revdex.com. As afore-mentioned, VOD has been provided to the consumer previously in accordance with her requests. Nevertheless, attached is a copy of the judgment associated with Discover Bank credit account. Please note that the judgment constitutes sufficient VOD pursuant to applicable lawRe: Second Round, LP Thank you for forwarding the consumer’s additional commentsM&J has addressed the consumer’s concerns in its initial response to the Revdex.com. As afore-mentioned, VOD has been provided to the consumer previously in accordance with her requests. Nevertheless, attached is a copy of the judgment associated with SR credit account. Please note that the judgment constitutes sufficient VOD pursuant to applicable law
Initial Business Response /* (1000, 7, 2015/10/30) */
As the Compliance Attorney for Machol and Johannes LLC, I have reviewed this file and the consumer's Revdex.com ComplaintThis matter was placed as a foreign judgment in our office on July 18, Our office petitioned to domesticate the judgment
in the State of Washington on June 17, The Petition was granted and the judgment was domesticated as case number XX-X-XXXXX-XWe received a dispute from the consumer March 4, and our office responded with validation of the debt on May 22, The validation included a copy of the original judgment and the current case numberOur office requested a Court issued Writ of Garnishment, and a garnishment was issued May 26, Since filing the Revdex.com complaint, our office has reached out to our client in regards to the disputes stated hereinWe sent the consumer additional validation of the debtAdditionally, our client has agreed to satisfy the judgment and release the wage garnishment that issuedCopies of all documentation are attached heretoThe account has now been closed in our office and no further collection will be sought
Initial Business Response /* (1000, 6, 2015/11/03) */
As a Compliance Attorney for *** and ***, I have reviewed this file and the consumer's Revdex.com ComplaintOur firm entered an appearance into this matter November 5, Our firm was advised by our client and previous counsel that the
consumer had payment agreement with the consumerThus, our firm attempted to reach the consumer in an attempt to set up payments and honor the stipulationOur firm did not receive a response until the consumer filed the herein Revdex.com ComplaintUpon receipt of the complaint our firm sent validation of the debt including a letter from our firm explaining the case history, the referenced stipulation, the Affidavit of Service, payment activity and correspondence form our firmWe invite the consumer to contact us directly if there is any further information we can provide to assist with the resolution of this matter
Initial Consumer Rebuttal /* (3000, 10, 2015/11/12) */
Filled out a complaint two weeks ago with you guys then the business mailed me paperwork
So I stated I don't know who these guys are, you gave them my complaint and they mailed me a ton of paperwork
Issue 1, they have not made any attempt to contact me in over a year to tell me that I still owe money on this debtNo calls and no letterI have not changed my phone number in over three years
Issue I copied and pasted my last communication from *** and *** who indicated I was done paying them last year
from: ***
to: ***
date: Wed, Oct 10, at 1:PM
subject: Re: Payment
Dear Ms***,
Thank you for contacting usI am sorry to hear that you have tried to make a payment and have been unable to do thatWe have had some system changes recently so the representative might not have been able to find your accountI have viewed your account and our records show you are no longer obligated to pay us anything further
Please keep this for your records for future reference
Respectfully,
** ***
Collections Supervisor
*** ***
from: ***
to: ***
date: Wed, Oct 10, at 9:AM
subject: Payment
Hi, sorry to bother you and I hope you still work here, I saved your email from about a year or so ago when that double payment was misappliedI've been trying to make a payment and your website won't take itI tried to call and no one is answering and when I did get through the lady said she had no record of me or that I even owed a payment and hung up on meI never remember my account number so my social is XXX-XX-XXXX, *** M ***Can you help me figure this out as I only have a few more payments to go then I am done unless I miscalculated somewhere along the line
Thank you so much
*** * ***
Honor what *** and *** told me because I double paid *** and *** three times which twice they applied to the wrong account and as far as I knew had fixedI no longer have the bank account the funds came from and haven't had in over a yearI also don't have the records as they were lost in a theftThe first letter these guys sent said I owe them $the second indicated somewhere $which is not true
I'm sorry but I don't trust themI believe this is a scam
Final Business Response /* (4000, 12, 2015/11/23) */
As a Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer's Revdex.com ComplaintThis account was place with our firm for collection on October, X XXXXOur office notified the consumer of the placement on October 10, 2014, and filed a substitution of counsel in this action on or around November 5, The consumer provides a copy of an email from October 10, 2014, presumably from the prior firm stating that the consumer was no longer obligated to pay them furtherAt the time this email was sent, the account in question had already been placed with Machol and Johannes for collectionThus, any prior firm had no authority to speak on behalf of the account creditor at the time the email was sentMoreover, while the email states that the consumer is not obligated to *** *** it does not state that the account in question was paid or settled in fullIn fact, a full payment history has been provided by the prior firm and was included in the paperwork sent to the consumer in verification of the debtThe account has not been paid or settled in fullWe encourage the consumer to reach out to us to make arrangements in resolution of this matter
As a compliance attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com ComplaintThe consumer claims that we did not provide accurate verification of the debt, did not like her proof of payment, refused to drop the lawsuit for the debt, and that this debt was a
“robosigned” account that was charged wrongly transferred to ***Pursuant to Barbara consumer’s initial request, our firm sent a letter in verification of debtWe verified the balance with our client and we provided the consumer with notice of how and when the debt was originally incurred from which the she could sufficiently dispute the payment obligationSubsequently, our office determined that the account was appropriate for suitOn January 29, 2016, Ms*** informed us that suit had been attempted but not effectuatedAs no service was accomplished, no return of service was provided to our firmTherefore, our firm was not aware that service had been attemptedMs*** contacted our office after the service attempt and made arrangements to pay the account off in fullAfter making an online payment our office emailed our standard paid in full letterThis letter stated that the account has been paid in full and will remain paid in full provided payment is not later returned, rejected or disputedThe letter is standardized in form and cannot be altered by account representativesThe letter allows time for payment to clear and protect against later disputesOn the same day that payment was made, our office contacted the process service company and recalled the un-served suitOur office then rushed the payment through and was able file a Notice of Dismissal of the case on February 2, At this time the case has been dismissed and the file closed as paid in fullIt does not appear that any further action is required on this account at this timeHowever, I encourage Ms*** to contact us directly if there is anything further our office can provide in resolution of this matter
Initial Business Response /* (1000, 6, 2015/09/03) */
As a compliance attorney for *** and ***, I have reviewed this file and the consumer's Revdex.com ComplaintOur firm entered an appearance via Substitution of Counsel into Court Case NOXX-X-XXXXX-X on March 28, Our firm sent a
judgment letter to the Defendant at *** NE *** *** *** ** XXXXX on May 6, We received no response, and thus presumed the address for the Defendant was correctOur firm issued a garnishment for the named Defendant in Court Case NoXX-X-XXXXX-X, and in compliance with local rules sent a copy of the garnishment paperwork to the address on fileOn August 18, our firm received a communication from *** ***, the complainant in this matterMs*** stated that she was not the proper party and confirmed that she has a different Social Security Number from the named DefendantSubsequent to this communication we have noted the incorrect addressIn addition, we have sent Ms*** a letter confirming that no garnishment has or will be issued on this account for any person with her Social Security Number
Initial Consumer Rebuttal /* (2000, 8, 2015/09/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)
In a manner of two weeks my concerns were resolvedI was contacted by management and *** *** (Collection Special Ops Manager) was extremely professional and explained the concernInternally their records showed a subject with the same name as myself but the social securities didn't matchA list her company received with information on finding subjects contained a woman of the same name (me) and my addressAssuming it was the same subject I began receiving communicationsI now have a letter from *** & *** attorneys clarifying the account they are attempting to collect does not involve myselfThank you Revdex.com for assisting in this matter and thank you Ms*** for managing my personal concern swiftly
Initial Business Response /* (1000, 5, 2015/08/26) */
As a compliance attorney for Machol and Johannes, I have reviewed this file and the consumer's Revdex.com ComplaintAccording to the file, the consumer *** *** was personally served with a Summons, Complaint and Answer form December 2, Mr
*** failed to Answer the Complaint or otherwise dispute the debt and a judgment entered on January 11, As no payment arrangements were made on this account, Machol and Johannes initiated collections on behalf of our clientIn order to respond to the consumer's request, Machol and Johannes will send a letter in verification of the debt along with a copy of the judgment, affidavit of service and Plaintiff's affidavitWe invite the consumer to contact us directly to discuss any further action we can take to resolve this matter
As Compliance Attorney for Machol and Johannes LLC (“M&J”), I have reviewed and investigated *** ***’s complaintOur Compliance Department took the following steps to investigate the consumer’s complaint: Reviewed the claims made by the Mr*** and the associated fileDiscussed
account with the consumer in order to resolve the dispute.Issued a release of garnishment and closed file due to financial hardshipJudgment entered against Mr*** on November 5, M&J attempted to collect on the judgment subsequent to the entry and issued bank garnishments on May 10, and again on March 29, Thereafter, Mr*** disputed the account with our office in a letter received on August 16, The dispute was sent to our client for investigation and our office initiated an internal investigation as wellBefore our office or client could respond to the dispute, the herein complaint was filed indicating that Mr*** was financially impacted by the issued garnishment and believed his funds to be exemptAfter speaking with Mr*** our firm agreed that to release any funds captured, set aside the judgment and close the account back to our clientWe believe this matter to be resolved, however, if there is anything M&J can do to further resolve this matter, we encourage Mr*** to reach out to us directly
As a Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com complaintOur firm filed the Summons and Complaint for this claim on 10/26/along with a Return of Service which was served upon the consumer’s spouse at their place of abode on November 21st,
Our firm successfully filed a Motion for Default Judgment which was granted by the court on 01/31/Bank garnishments were then issued on 02/20/which the consumer acknowledged when the consumer filed a Claim of Exemption on 03/09/Our firm also sent a judgment reminder letter to the consumer in August of as well as made multiple attempts to contact the consumer by phone which were unsuccessfulThis firm still holds a legally valid judgment, and is acting within its rights to try to locate assets of the consumer’s that may be used to satisfy the outstanding debtSuch furnishing of a credit report is allowable under FCRA We invite the consumer to contact us directly if there is any further information we can provide to assist with the resolution of this matter and we encourage the consumer to contact our firm in order to set up a payment plan that will best benefit both parties
Initial Business Response /* (1000, 5, 2015/05/20) */
As Compliance Officer at Machol & Johannes, LLC, I have reviewed the consumer's complaint and investigated the allegations contained thereinThe consumer was served with a Summons and Complaint for an account in our office on July 31st,
The parties then negotiated an agreement, and on August 8, our office sent the consumer a payment agreement and an agreed judgment with payments for her signatureBoth documents are required in order to secure and process an agreementThe consumer did not sign and return the agreed judgmentOur office sent the consumer a letter on August 15, asking for the the agreed judgmentThat document was not returnedThe consumer did pay the settlement amounts contemplated by the payment agreement sent with the agreed judgmentAs we did not have the paperwork, the matter did get filed and scheduled with the court for hearingOn May 14, 2015, Ms*** contacted our office stating that the matter had been settled and asked our office to strike the hearingOur office did strike the hearing on May 14, An email from the Court striking the hearing and a settled in full letter were emailed to the consumer on May 15,
Initial Consumer Rebuttal /* (3000, 7, 2015/05/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Both required documents were returned to Machol and Johannes, and I called the office after I received the letter on August 8, and told them both documents were signed and mailed back to them they same day that I received them via emailWhen I received a phone call in January from this office at another attempt to collect this debt, I was apologized too as I did complete the agreement and was told that this matter was taken care of on my end and would be taken care on their end so I wouldn't receive any further collection callsThere was no mention of missing paperwork as the reason for getting an erroneous call to collect a debt that had been settledI appreciate that they were prompt in getting a letter and email to me that the matter has been struck in court and that I have settled this debt, however the mere fact that they summoned me again, after I satisfied the arrangement and the phone call in January, in Superior Court is harassmentThis is clearly unfair debt collection practice
Final Business Response /* (4000, 9, 2015/05/26) */
As a compliance attorney for Machol and Johannes, I have reviewed this file and the consumer's complaintWe agree that the consumer did return the payment agreement and paid the settlement amounts as contemplated by that agreementWe did not receive the agreed judgment, but we acknowledge that the consumer settled the debt in full prior to this matter being set for further proceedingsWe apologize for that inconvenienceAt this time the court hearing has been struck, and the consumer has been sent a settled in full letterThis file has been closed in our office, and no further collection activity will be pursuedWe invite the consumer to contact our office if there is anything further we can do to resolve this matter
Final Consumer Response /* (2000, 11, 2015/05/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI also did some digging and found it was in the wrong I have contacted michol and johanes to try and redeem the plan we had beforeI was in the wrong and I apologize
Sincerely,
*** ***
Initial Business Response /* (1000, 5, 2015/06/05) */
As a compliance attorney for *** & *** LLC., I have reviewed the consumer's complaint and investigated the allegations contained therein
Our records demonstrate that Defendant was served at *** W*** Ave Apt *** *** Co
XXXXX, via substitute service on August 11, Per the consumer's complaint, consumer disputes that serviceHowever, consumer has been served twice since that time with interrogatories and a revivor of judgment at the same address
In addition, consumer contacted our office in September of and attempted to make arrangements on this matterIn October 2008, our office agreed to a $a month payment plan with consumerThe consumer never returned the agreement or made the agreed upon payments
The consumer again contacted us to make arrangements on July of Our office again agreed to a $a month payment planThe consumer did not return the payment agreement or make the agreed upon payments
The consumer and our firm did reach a voluntary agreement in August of 2012, and the consumer made voluntary payments until March of We did not receive any additional voluntary payments and issued a garnishment in May of this year
We understand that this garnishment has caused a hardship to the consumer, thus, we invite the consumer to contact our office to review her finances and discuss debt resolution options that will reasonably resolve the outstanding balance
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.
Sincerely,
[redacted]
In further response, I have attached a copy of the settled in full letter issued to Mr. [redacted]. Additionally, Mr. [redacted] misstates the current creditor on this case, which is [redacted] They are the bearer of the judgment and our client. They have confirmed this account has been settled out.
After review, I have determined the complaint to be unsubstantiated. However, our client has requested we close the file and release the current Writ of Garnishment. Thus, I believe this manner to be resolved.
Complaint: [redacted]
I am rejecting this response because: Lawyer did not issue any response to me or any kind of letter showing bill was paid in full and to this day [redacted] bank has not receive any of the money from the Lawyer on the credit card I called the Lawyers office 4 times to get a letter saying the bill was paid in full and they have refused me 4 times they said they sent me a letter well they did not send me nothing so this is another lie from this lawyer M/J I want a Letter showing the Bill or settlement is paid in full I am going to call the Courts on this all so.
Sincerely,
[redacted]
Pursuant to the below, I have coded the consumer's file as disputed. However, the judgment attached is a Court issued judgment that is a matter of public record in court case [redacted] The consumer may verify the validity of the judgment by contacting the [redacted]. Our firm denies the consumer's allegations of FDCPA violations and believes that it is proceeding properly under the law. We do apologize for any inconvenience the consumer experienced in regards to hold times, we do often receive a high volume of phone calls. I encourage the consumer to reach out to his account representative directly at ###-###-####.
As a Compliance Attorney for Machol and Johannes LLC, I have reviewed this file and the consumer's Revdex.com Complaint. Our firm represented National Collegiate Student Loan Trust ("NCT")who placed a number of accounts with our office for collections involving the consumer. Machol and Johannes LLC...
brokered a payment agreement and processed payments made thereafter on behalf of its client. As stated in the complaint, the consumer's co-signer recently filed bankruptcy. This action triggered an account recall from our client. As our client has a right to terminate representation at will, we could no longer keep the consumer's account open in our office. This action does not affect the material terms of agreement made between the consumer and NCT, however we are no longer able to process payments on NCT's behalf. We have made a request to reopen the account in our office and if the account is replaced in our office we will continue to honor the payment agreement in place. However, as we cannot guarantee that the accounts will be replaced with our office, we encourage the consumer to contact the client directly. The consumer may call ###-###-#### to speak with a current client representative.
Complaint: [redacted]
I am rejecting this response because: no mention of stopping garnishment. I want that stopped immediately I need to buy food for my household
Sincerely,
[redacted]
Since the filing of this complaint, our office has attempted to contact the consumer in connection with this actionWe have been unable to establish contact, and request the consumer contact our office directly so that we may assist her is resolution of this matter
As Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com complaintThe consumer correctly states that the parties entered into an amended agreement ordered on September 22, In this amended agreement, the consumer’s mother and co-signor on the
underlying loan, *** *** was included in the consumer’s settlement stipulationDue to a clerical error, the firm did not properly update Ms*** ***’s fileThis error caused further paperwork out to be served and filed upon Ms*** ***Upon receipt of this complaint our office immediately dismissed the pending action against Ms*** ***Additionally, the associated file has been properly updated to avoid further collection activityMachol & Johannes prides itself on compliance with all federal, state, and local laws and regulations. As a debt collection law firm, we strive to reach amicable resolutions and we work with individuals towards solutions. We invite the consumer to contact our office directly if there is anything further that our office may provide in resolution of this matter
Re: Discover Bank Thank you for forwarding the consumer’s additional commentsM&J has addressed the consumer’s concerns in its initial response to the Revdex.com. As afore-mentioned, VOD has been provided to the consumer previously in accordance with her requests. Nevertheless, attached is a copy of the judgment associated with Discover Bank credit account. Please note that the judgment constitutes sufficient VOD pursuant to applicable lawRe: Second Round, LP Thank you for forwarding the consumer’s additional commentsM&J has addressed the consumer’s concerns in its initial response to the Revdex.com. As afore-mentioned, VOD has been provided to the consumer previously in accordance with her requests. Nevertheless, attached is a copy of the judgment associated with SR credit account. Please note that the judgment constitutes sufficient VOD pursuant to applicable law
Initial Business Response /* (1000, 7, 2015/10/30) */
As the Compliance Attorney for Machol and Johannes LLC, I have reviewed this file and the consumer's Revdex.com ComplaintThis matter was placed as a foreign judgment in our office on July 18, Our office petitioned to domesticate the judgment
in the State of Washington on June 17, The Petition was granted and the judgment was domesticated as case number XX-X-XXXXX-XWe received a dispute from the consumer March 4, and our office responded with validation of the debt on May 22, The validation included a copy of the original judgment and the current case numberOur office requested a Court issued Writ of Garnishment, and a garnishment was issued May 26, Since filing the Revdex.com complaint, our office has reached out to our client in regards to the disputes stated hereinWe sent the consumer additional validation of the debtAdditionally, our client has agreed to satisfy the judgment and release the wage garnishment that issuedCopies of all documentation are attached heretoThe account has now been closed in our office and no further collection will be sought
Initial Business Response /* (1000, 6, 2015/11/03) */
As a Compliance Attorney for *** and ***, I have reviewed this file and the consumer's Revdex.com ComplaintOur firm entered an appearance into this matter November 5, Our firm was advised by our client and previous counsel that the
consumer had payment agreement with the consumerThus, our firm attempted to reach the consumer in an attempt to set up payments and honor the stipulationOur firm did not receive a response until the consumer filed the herein Revdex.com ComplaintUpon receipt of the complaint our firm sent validation of the debt including a letter from our firm explaining the case history, the referenced stipulation, the Affidavit of Service, payment activity and correspondence form our firmWe invite the consumer to contact us directly if there is any further information we can provide to assist with the resolution of this matter
Initial Consumer Rebuttal /* (3000, 10, 2015/11/12) */
Filled out a complaint two weeks ago with you guys then the business mailed me paperwork
So I stated I don't know who these guys are, you gave them my complaint and they mailed me a ton of paperwork
Issue 1, they have not made any attempt to contact me in over a year to tell me that I still owe money on this debtNo calls and no letterI have not changed my phone number in over three years
Issue I copied and pasted my last communication from *** and *** who indicated I was done paying them last year
from: ***
to: ***
date: Wed, Oct 10, at 1:PM
subject: Re: Payment
Dear Ms***,
Thank you for contacting usI am sorry to hear that you have tried to make a payment and have been unable to do thatWe have had some system changes recently so the representative might not have been able to find your accountI have viewed your account and our records show you are no longer obligated to pay us anything further
Please keep this for your records for future reference
Respectfully,
** ***
Collections Supervisor
*** ***
from: ***
to: ***
date: Wed, Oct 10, at 9:AM
subject: Payment
Hi, sorry to bother you and I hope you still work here, I saved your email from about a year or so ago when that double payment was misappliedI've been trying to make a payment and your website won't take itI tried to call and no one is answering and when I did get through the lady said she had no record of me or that I even owed a payment and hung up on meI never remember my account number so my social is XXX-XX-XXXX, *** M ***Can you help me figure this out as I only have a few more payments to go then I am done unless I miscalculated somewhere along the line
Thank you so much
*** * ***
Honor what *** and *** told me because I double paid *** and *** three times which twice they applied to the wrong account and as far as I knew had fixedI no longer have the bank account the funds came from and haven't had in over a yearI also don't have the records as they were lost in a theftThe first letter these guys sent said I owe them $the second indicated somewhere $which is not true
I'm sorry but I don't trust themI believe this is a scam
Final Business Response /* (4000, 12, 2015/11/23) */
As a Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer's Revdex.com ComplaintThis account was place with our firm for collection on October, X XXXXOur office notified the consumer of the placement on October 10, 2014, and filed a substitution of counsel in this action on or around November 5, The consumer provides a copy of an email from October 10, 2014, presumably from the prior firm stating that the consumer was no longer obligated to pay them furtherAt the time this email was sent, the account in question had already been placed with Machol and Johannes for collectionThus, any prior firm had no authority to speak on behalf of the account creditor at the time the email was sentMoreover, while the email states that the consumer is not obligated to *** *** it does not state that the account in question was paid or settled in fullIn fact, a full payment history has been provided by the prior firm and was included in the paperwork sent to the consumer in verification of the debtThe account has not been paid or settled in fullWe encourage the consumer to reach out to us to make arrangements in resolution of this matter
As a compliance attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com ComplaintThe consumer claims that we did not provide accurate verification of the debt, did not like her proof of payment, refused to drop the lawsuit for the debt, and that this debt was a
“robosigned” account that was charged wrongly transferred to ***Pursuant to Barbara consumer’s initial request, our firm sent a letter in verification of debtWe verified the balance with our client and we provided the consumer with notice of how and when the debt was originally incurred from which the she could sufficiently dispute the payment obligationSubsequently, our office determined that the account was appropriate for suitOn January 29, 2016, Ms*** informed us that suit had been attempted but not effectuatedAs no service was accomplished, no return of service was provided to our firmTherefore, our firm was not aware that service had been attemptedMs*** contacted our office after the service attempt and made arrangements to pay the account off in fullAfter making an online payment our office emailed our standard paid in full letterThis letter stated that the account has been paid in full and will remain paid in full provided payment is not later returned, rejected or disputedThe letter is standardized in form and cannot be altered by account representativesThe letter allows time for payment to clear and protect against later disputesOn the same day that payment was made, our office contacted the process service company and recalled the un-served suitOur office then rushed the payment through and was able file a Notice of Dismissal of the case on February 2, At this time the case has been dismissed and the file closed as paid in fullIt does not appear that any further action is required on this account at this timeHowever, I encourage Ms*** to contact us directly if there is anything further our office can provide in resolution of this matter
Initial Business Response /* (1000, 6, 2015/09/03) */
As a compliance attorney for *** and ***, I have reviewed this file and the consumer's Revdex.com ComplaintOur firm entered an appearance via Substitution of Counsel into Court Case NOXX-X-XXXXX-X on March 28, Our firm sent a
judgment letter to the Defendant at *** NE *** *** *** ** XXXXX on May 6, We received no response, and thus presumed the address for the Defendant was correctOur firm issued a garnishment for the named Defendant in Court Case NoXX-X-XXXXX-X, and in compliance with local rules sent a copy of the garnishment paperwork to the address on fileOn August 18, our firm received a communication from *** ***, the complainant in this matterMs*** stated that she was not the proper party and confirmed that she has a different Social Security Number from the named DefendantSubsequent to this communication we have noted the incorrect addressIn addition, we have sent Ms*** a letter confirming that no garnishment has or will be issued on this account for any person with her Social Security Number
Initial Consumer Rebuttal /* (2000, 8, 2015/09/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)
In a manner of two weeks my concerns were resolvedI was contacted by management and *** *** (Collection Special Ops Manager) was extremely professional and explained the concernInternally their records showed a subject with the same name as myself but the social securities didn't matchA list her company received with information on finding subjects contained a woman of the same name (me) and my addressAssuming it was the same subject I began receiving communicationsI now have a letter from *** & *** attorneys clarifying the account they are attempting to collect does not involve myselfThank you Revdex.com for assisting in this matter and thank you Ms*** for managing my personal concern swiftly
Initial Business Response /* (1000, 5, 2015/08/26) */
As a compliance attorney for Machol and Johannes, I have reviewed this file and the consumer's Revdex.com ComplaintAccording to the file, the consumer *** *** was personally served with a Summons, Complaint and Answer form December 2, Mr
*** failed to Answer the Complaint or otherwise dispute the debt and a judgment entered on January 11, As no payment arrangements were made on this account, Machol and Johannes initiated collections on behalf of our clientIn order to respond to the consumer's request, Machol and Johannes will send a letter in verification of the debt along with a copy of the judgment, affidavit of service and Plaintiff's affidavitWe invite the consumer to contact us directly to discuss any further action we can take to resolve this matter
As Compliance Attorney for Machol and Johannes LLC (“M&J”), I have reviewed and investigated *** ***’s complaintOur Compliance Department took the following steps to investigate the consumer’s complaint: Reviewed the claims made by the Mr*** and the associated fileDiscussed
account with the consumer in order to resolve the dispute.Issued a release of garnishment and closed file due to financial hardshipJudgment entered against Mr*** on November 5, M&J attempted to collect on the judgment subsequent to the entry and issued bank garnishments on May 10, and again on March 29, Thereafter, Mr*** disputed the account with our office in a letter received on August 16, The dispute was sent to our client for investigation and our office initiated an internal investigation as wellBefore our office or client could respond to the dispute, the herein complaint was filed indicating that Mr*** was financially impacted by the issued garnishment and believed his funds to be exemptAfter speaking with Mr*** our firm agreed that to release any funds captured, set aside the judgment and close the account back to our clientWe believe this matter to be resolved, however, if there is anything M&J can do to further resolve this matter, we encourage Mr*** to reach out to us directly
As a Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com complaintOur firm filed the Summons and Complaint for this claim on 10/26/along with a Return of Service which was served upon the consumer’s spouse at their place of abode on November 21st,
Our firm successfully filed a Motion for Default Judgment which was granted by the court on 01/31/Bank garnishments were then issued on 02/20/which the consumer acknowledged when the consumer filed a Claim of Exemption on 03/09/Our firm also sent a judgment reminder letter to the consumer in August of as well as made multiple attempts to contact the consumer by phone which were unsuccessfulThis firm still holds a legally valid judgment, and is acting within its rights to try to locate assets of the consumer’s that may be used to satisfy the outstanding debtSuch furnishing of a credit report is allowable under FCRA We invite the consumer to contact us directly if there is any further information we can provide to assist with the resolution of this matter and we encourage the consumer to contact our firm in order to set up a payment plan that will best benefit both parties
Initial Business Response /* (1000, 5, 2015/05/20) */
As Compliance Officer at Machol & Johannes, LLC, I have reviewed the consumer's complaint and investigated the allegations contained thereinThe consumer was served with a Summons and Complaint for an account in our office on July 31st,
The parties then negotiated an agreement, and on August 8, our office sent the consumer a payment agreement and an agreed judgment with payments for her signatureBoth documents are required in order to secure and process an agreementThe consumer did not sign and return the agreed judgmentOur office sent the consumer a letter on August 15, asking for the the agreed judgmentThat document was not returnedThe consumer did pay the settlement amounts contemplated by the payment agreement sent with the agreed judgmentAs we did not have the paperwork, the matter did get filed and scheduled with the court for hearingOn May 14, 2015, Ms*** contacted our office stating that the matter had been settled and asked our office to strike the hearingOur office did strike the hearing on May 14, An email from the Court striking the hearing and a settled in full letter were emailed to the consumer on May 15,
Initial Consumer Rebuttal /* (3000, 7, 2015/05/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Both required documents were returned to Machol and Johannes, and I called the office after I received the letter on August 8, and told them both documents were signed and mailed back to them they same day that I received them via emailWhen I received a phone call in January from this office at another attempt to collect this debt, I was apologized too as I did complete the agreement and was told that this matter was taken care of on my end and would be taken care on their end so I wouldn't receive any further collection callsThere was no mention of missing paperwork as the reason for getting an erroneous call to collect a debt that had been settledI appreciate that they were prompt in getting a letter and email to me that the matter has been struck in court and that I have settled this debt, however the mere fact that they summoned me again, after I satisfied the arrangement and the phone call in January, in Superior Court is harassmentThis is clearly unfair debt collection practice
Final Business Response /* (4000, 9, 2015/05/26) */
As a compliance attorney for Machol and Johannes, I have reviewed this file and the consumer's complaintWe agree that the consumer did return the payment agreement and paid the settlement amounts as contemplated by that agreementWe did not receive the agreed judgment, but we acknowledge that the consumer settled the debt in full prior to this matter being set for further proceedingsWe apologize for that inconvenienceAt this time the court hearing has been struck, and the consumer has been sent a settled in full letterThis file has been closed in our office, and no further collection activity will be pursuedWe invite the consumer to contact our office if there is anything further we can do to resolve this matter
Final Consumer Response /* (2000, 11, 2015/05/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI also did some digging and found it was in the wrong I have contacted michol and johanes to try and redeem the plan we had beforeI was in the wrong and I apologize
Sincerely,
*** ***
Initial Business Response /* (1000, 5, 2015/06/05) */
As a compliance attorney for *** & *** LLC., I have reviewed the consumer's complaint and investigated the allegations contained therein
Our records demonstrate that Defendant was served at *** W*** Ave Apt *** *** Co
XXXXX, via substitute service on August 11, Per the consumer's complaint, consumer disputes that serviceHowever, consumer has been served twice since that time with interrogatories and a revivor of judgment at the same address
In addition, consumer contacted our office in September of and attempted to make arrangements on this matterIn October 2008, our office agreed to a $a month payment plan with consumerThe consumer never returned the agreement or made the agreed upon payments
The consumer again contacted us to make arrangements on July of Our office again agreed to a $a month payment planThe consumer did not return the payment agreement or make the agreed upon payments
The consumer and our firm did reach a voluntary agreement in August of 2012, and the consumer made voluntary payments until March of We did not receive any additional voluntary payments and issued a garnishment in May of this year
We understand that this garnishment has caused a hardship to the consumer, thus, we invite the consumer to contact our office to review her finances and discuss debt resolution options that will reasonably resolve the outstanding balance
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.
Sincerely,
[redacted]
In further response, I have attached a copy of the settled in full letter issued to Mr. [redacted]. Additionally, Mr. [redacted] misstates the current creditor on this case, which is [redacted] They are the bearer of the judgment and our client. They have confirmed this account has been settled out.
After review, I have determined the complaint to be unsubstantiated. However, our client has requested we close the file and release the current Writ of Garnishment. Thus, I believe this manner to be resolved.
Complaint: [redacted]
I am rejecting this response because: Lawyer did not issue any response to me or any kind of letter showing bill was paid in full and to this day [redacted] bank has not receive any of the money from the Lawyer on the credit card I called the Lawyers office 4 times to get a letter saying the bill was paid in full and they have refused me 4 times they said they sent me a letter well they did not send me nothing so this is another lie from this lawyer M/J I want a Letter showing the Bill or settlement is paid in full I am going to call the Courts on this all so.
Sincerely,
[redacted]
Pursuant to the below, I have coded the consumer's file as disputed. However, the judgment attached is a Court issued judgment that is a matter of public record in court case [redacted] The consumer may verify the validity of the judgment by contacting the [redacted]. Our firm denies the consumer's allegations of FDCPA violations and believes that it is proceeding properly under the law. We do apologize for any inconvenience the consumer experienced in regards to hold times, we do often receive a high volume of phone calls. I encourage the consumer to reach out to his account representative directly at ###-###-####.
As a Compliance Attorney for Machol and Johannes LLC, I have reviewed this file and the consumer's Revdex.com Complaint. Our firm represented National Collegiate Student Loan Trust ("NCT")who placed a number of accounts with our office for collections involving the consumer. Machol and Johannes LLC...
brokered a payment agreement and processed payments made thereafter on behalf of its client. As stated in the complaint, the consumer's co-signer recently filed bankruptcy. This action triggered an account recall from our client. As our client has a right to terminate representation at will, we could no longer keep the consumer's account open in our office. This action does not affect the material terms of agreement made between the consumer and NCT, however we are no longer able to process payments on NCT's behalf. We have made a request to reopen the account in our office and if the account is replaced in our office we will continue to honor the payment agreement in place. However, as we cannot guarantee that the accounts will be replaced with our office, we encourage the consumer to contact the client directly. The consumer may call ###-###-#### to speak with a current client representative.
Complaint: [redacted]
I am rejecting this response because: no mention of stopping garnishment. I want that stopped immediately I need to buy food for my household
Sincerely,
[redacted]