Our office has attempted to contact Ms. [redacted] by phone. However, our office has been unable to reach Ms. [redacted] at any number our office has on file. We encourage Ms. [redacted] to call our office at 866-729-3328 in order to discuss this matter.
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]
Complaint: [redacted]
I am rejecting this response because: when I have dealt with this company in the past, they have been nothing but rude and unprofessional. I have actually had people yell and curse at me on the phone. When they actually will talk to you or call you back. Yes I have made agreements and defaulted in the past, but not through any fault of my own. Each time I have told them I either wasn't working, or not making much and not making ends meet. That it would be very difficult for me. And every time something happened and I couldn't make a payment, they were unhelpful. They would tell me they didn't care about my personal or financial situations. They only wanted my money. If they had tried recently to contact me by phone, I have no way of knowing. They never ONCE left a voicemail. And my bank told me that LEGALLY they needed to send me something in writing that they were putting a hold on my account, and they failed to do that. When I tried contacting them, I heard nothing back. And now my phone is turned off, thanks to them. They say they have contacted me by email with what I owe. But they have not. I just checked again, both my email accounts, even my junk folders. There is nothing there. I would have been more inclined to work with them and make more payments when I had extra money, which has not been often these past several years, if they had talked to me and treated me like a human being. But when you get yelled at for losing your job and being unable to make a payment, it makes me not want to deal with them at all. I even offered to pay them off IN FULL in February if they could take the hold off my account for just a few weeks because I was getting more and more negative with insufficient fund fees. Its a snowball effect when you barely get by. If you get a little negative, it keeps getting worse. And unfortunately my husband wasn't able to work for almost two weeks in the middle of all of this. But they couldn't even work with me and wait a few weeks in order to get all their money. Instead they are trying to make a point. It is manipulative and not how a business should be run. How do they expect people to pay them when they are struggling to buy food or pay rent. Its not like I haven't wanted to pay. I literally have not had the money. But I'm in school, trying to better myself and make more money to never be in this situation. But they don't care about any of that. They don't care if you end up homeless with hungry children as long as they get paid. They need to realize that often it is poor people in debt who owe money like this. They will have times they can't make payments. If they work with them for a few months, the people will be more likely to pay when they can. I have dealt with other creditors who have treated me with respect and been more flexible. And I've always paid them off. How can I pay someone if they won't even talk to me?
Sincerely,
[redacted]
As a Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com Complaint. Our firm issued an initial communication and demand on December 10, 2013. There was no further contact with the consumer until January 22, 2014 at which point our office served the consumer...
with a Summons and Complaint. Our office received our first communication from the consumer on January 24, 2014 and again January 30, 2014. On February 6, 2014, our office sent a proposed stipulation for an agreed judgment containing agreeable payment terms. On February 10, 2014 the consumer rejected our proposal and collection activity moved forward as warranted. As of June 6, 2014 the consumer had not entered any appearance in the court case, nor returned any agreement. Thus, we submitted a lawful request for default judgment. Our office was contacted by the consumer on June 10, 2016 and she agreed to set up payment arrangements. We sent another proposed Agreed Judgment to the consumer on June 16, 2016. Again, nothing was returned and the Court entered judgment on June 23, 2016. On July 11, 2016 we received a signed Agreed Judgment from the consumer. At that time, our office agreed to set aside the judgment in favor of the payment agreement upon her request. I found no indication that any error was committed on the account. Rather, judgment entered properly in this matter, but was set aside at the behest of the consumer. Furthermore, the consumer claims our office is improperly reporting negative information to credit reporting agencies. However, our firm is not a data furnisher to credit bureaus and does not report any information to credit reporting agencies, negative or otherwise. We can only recommend the consumer contact our client’s directly for more information as to whether they are currently reporting these matters to credit reporting agencies. Finally, the consumer states that she has recently had difficulties reaching our office. The Account Representative [redacted], who was the consumer’s main contact, is no longer with our office. However, we encourage the consumer to contact us directly to discuss a possible resolution of the matter. She may reach our office toll free at ###-###-####. Collection Managers are available to assist during business hours and can be reached at Ext. [redacted] and [redacted].
On or about 3/24/17, ** sent its initial demand to the consumer at the address in [redacted]. ** has no record of the letter being returned by the [redacted] as undeliverable. It is presumed that the letter was either received by the consumer at that address or that it was forwarded to her at...
another address.
Pursuant to the [redacted]), the 3/24/17 letter notified the consumer that she had 30 days from the receipt of the letter to dispute the validity of the debt or it would be presumed to be a valid debt. The consumer was further notified that, if she disputed the debt within the 30 days, that it could take up to 30 days for the debt to be verified by **’s office.
The first documented contact which ** had with the consumer was on 10/18/17 when ** received an inbound call from the consumer. During the call she claimed that she had left messages for our office. Further, during her conversation with the account representative, the consumer disputed the balance of the debt and said that she thought it should be lower. During this phone call she threatened a lawsuit and a complaint to the Revdex.com. She was informed during this phone call that ** would open up a dispute. She thanked the account representative and the call ended.
The consumer’s 10/18/17 complaint was documented by ** and the dispute and verification processes were initiated by ** on the same day.
On 10/23/17, the consumer called ** and spoke with an account representative. The balance of the debt was stated by the account representative. Additionally the consumer was informed that ** is still processing her dispute and that she should receive the documentation supporting the amount of the debt in the next couple of weeks. The account representative explained that the consumer could try to prove that the balance is lower should she believe that is the case after the documentation is received.
The consumer's dispute has been investigated and supporting documentation and verification of the debt will be issued from the firm within the next 48 hours. After review, the consumer is encouraged to reach back out to the firm directly to discuss mutual resolution.
Mr. [redacted]’s complaint states that Machol and Johannes served a lawsuit that bore no case information and no seal from the Court. Additionally, he claims that the Court had no record of the case. Finally, he states that the amounts sought in Machol and Johannes’ suit are excessive and...
unsubstantiated[redacted] placed Mr. [redacted]’s account with Machol and Johannes for collection on November 16, 2015. Our firm sent a demand letter on November 17, 2015. However, we received no response from Mr. [redacted]. Therefore, our firm pursued suit in order to protect our client’s interests. Pursuant to CRCP 303, Machol and Johannes issued a lawsuit, which was served on January 28, 2016. The lawsuit was subsequently filed on February 2, 2016, within the time frame allowed by applicable court rule. On February 3, 2016, our firm received a letter from Mr. [redacted]. Machol and Johannes established contact with Mr. [redacted] the same day and reached a settlement agreement. Mr. [redacted] settled the matter in full on February 3, 2016, and the case will be dismissed at the Summons return date scheduled for February 24, 2016. Machol and Johannes acted properly as set forth by the applicable rules of civil procedure. Moreover, the parties reached an amicable resolution of the herein matter. However, we invite Mr. [redacted] to contact us directly if there is any additional assistance we can provide in resolution of this matter.
As a Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com Complaint. This matter was filed April 3, 2014 tolling the statute of limitations, thus the case that was recently reinstated is ongoing. The consumer’s complaint indicates that she may be represented...
by counsel, which prevents our firm from speaking directly with her. As long as the consumer is no longer represented, our firm is available and willing to discuss arrangements on this account. However, as our account representatives are not authorized to discuss detailed matter over email, we ask the consumer call us toll free at ###-###-####.
As Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com complaint. In her complaint, Ms. [redacted] states entered into an agreement for bi-weekly automatic payments. She is concerned that despite making regular payment she has received several default...
notices.M&J’s system is set to review for automatic payments pursuant to the written agreement filed with the court. Letters are sent automatically when payments are not received in accordance with the written agreement. Ms. [redacted] has made several adjustments to her payment schedule over the lifetime of her payment agreement. Each time she did approval from her account representative to submit payments outside of the parameters of the written agreement. However, the automatic notice itself was not affected. Ms. [redacted]’s has explained that the notice was sent either before the adjusted payment was received or already in process when the adjustment was made and thus sent in error. Despite the notice being sent, Ms. [redacted] has been reassured by her account representative that any change to her payment schedule has been accepted and no default has occurred. Additionally, M&J does not report to credit reporting agencies. M&J apologizes for any confusion the automatic notices may have caused and looks forward to continuing to service Ms. [redacted]’s account.
Local counsel has agreed to reach out to the consumer in this matter. Counsel will contact the consumer via email in an attempt to assist with settlement of this matter. As thee is pending court case in this matter, M&J will decline arbitration through the Revdex.com.
As a Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com Complaint. On January 2, 2018 our office received a voicemail from the consumer. We returned the call and left a voicemail on the same day. Additionally, our office made an outgoing attempt to the...
consumer again on January 4, 2018. Our firm left an additional message on January 8, 2018. On January 12, 2018 our office issued a balance letter to the consumer's last known address in an attempt to resolve the consumer's inquiry. We encourage the consumer to call us directly or to visit our website at Mjfirm.com for additional assistance.
As the Compliance Attorney for Machol and Johannes I have reviewed this complaint. Machol and Johannes properly served the consumer on 01/17/2015, thus giving fair notice of our impending suit. As the consumer failed to answer or otherwise enter an appearance, on 03/05/2015 Machol and Johannes filed...
a Motion for Default Judgment. This Motion was ordered and approved by the court on 03/27/2015. Once we received our judgment against the consumer, we made multiple attempts over the span of the year to contact the consumer in order to set up a payment plan. On 09/15/2015, we sent a judgment reminder letter stating the balance owed and that the letter was “an opportunity to avoid further legal action which may include garnishment and/or execution and levy on non-exempt wages or assets”. After the letter was sent, our office attempted to reach the consumer to negotiate payments. However, the consumer either did not answer or refused to verify her information. According to the FDCPA, we must verify a consumer’s information before we can discuss an account in order to prevent an unauthorized third-party disclosure. Due to our inability to discuss the account with the consumer, we could not negotiate a payment plan that would benefit both parties and decided to exercise our right to garnish the consumer’s wages and/or assets. The garnishment was applied for and issued in accordance with RCW 6.27. Machol and Johannes strives to reach amicable resolutions and we work with individuals towards solutions. However, once a garnishment issues, we are no longer in a position to set up payment arrangements against our client’s best interests However, we encourage the consumer to please make contact with our main office so that we may further discuss settlement of the account as a whole.
As this consumer is represented by counsel, we can only communicate with the consumer's attorney in regards to this matter. We encourage Ms. [redacted] to reach out to her attorney if she has further questions.
Our office has attempted to contact Ms. [redacted] by phone. However, our office has been unable to reach Ms. [redacted] at any number our office has on file. We encourage Ms. [redacted] to call our office at 866-729-3328 in order to discuss this matter.
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]
Complaint: [redacted]
I am rejecting this response because: when I have dealt with this company in the past, they have been nothing but rude and unprofessional. I have actually had people yell and curse at me on the phone. When they actually will talk to you or call you back. Yes I have made agreements and defaulted in the past, but not through any fault of my own. Each time I have told them I either wasn't working, or not making much and not making ends meet. That it would be very difficult for me. And every time something happened and I couldn't make a payment, they were unhelpful. They would tell me they didn't care about my personal or financial situations. They only wanted my money. If they had tried recently to contact me by phone, I have no way of knowing. They never ONCE left a voicemail. And my bank told me that LEGALLY they needed to send me something in writing that they were putting a hold on my account, and they failed to do that. When I tried contacting them, I heard nothing back. And now my phone is turned off, thanks to them. They say they have contacted me by email with what I owe. But they have not. I just checked again, both my email accounts, even my junk folders. There is nothing there. I would have been more inclined to work with them and make more payments when I had extra money, which has not been often these past several years, if they had talked to me and treated me like a human being. But when you get yelled at for losing your job and being unable to make a payment, it makes me not want to deal with them at all. I even offered to pay them off IN FULL in February if they could take the hold off my account for just a few weeks because I was getting more and more negative with insufficient fund fees. Its a snowball effect when you barely get by. If you get a little negative, it keeps getting worse. And unfortunately my husband wasn't able to work for almost two weeks in the middle of all of this. But they couldn't even work with me and wait a few weeks in order to get all their money. Instead they are trying to make a point. It is manipulative and not how a business should be run. How do they expect people to pay them when they are struggling to buy food or pay rent. Its not like I haven't wanted to pay. I literally have not had the money. But I'm in school, trying to better myself and make more money to never be in this situation. But they don't care about any of that. They don't care if you end up homeless with hungry children as long as they get paid. They need to realize that often it is poor people in debt who owe money like this. They will have times they can't make payments. If they work with them for a few months, the people will be more likely to pay when they can. I have dealt with other creditors who have treated me with respect and been more flexible. And I've always paid them off. How can I pay someone if they won't even talk to me?
Sincerely,
[redacted]
As a Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com Complaint. Our firm issued an initial communication and demand on December 10, 2013. There was no further contact with the consumer until January 22, 2014 at which point our office served the consumer...
with a Summons and Complaint. Our office received our first communication from the consumer on January 24, 2014 and again January 30, 2014. On February 6, 2014, our office sent a proposed stipulation for an agreed judgment containing agreeable payment terms. On February 10, 2014 the consumer rejected our proposal and collection activity moved forward as warranted. As of June 6, 2014 the consumer had not entered any appearance in the court case, nor returned any agreement. Thus, we submitted a lawful request for default judgment. Our office was contacted by the consumer on June 10, 2016 and she agreed to set up payment arrangements. We sent another proposed Agreed Judgment to the consumer on June 16, 2016. Again, nothing was returned and the Court entered judgment on June 23, 2016. On July 11, 2016 we received a signed Agreed Judgment from the consumer. At that time, our office agreed to set aside the judgment in favor of the payment agreement upon her request. I found no indication that any error was committed on the account. Rather, judgment entered properly in this matter, but was set aside at the behest of the consumer. Furthermore, the consumer claims our office is improperly reporting negative information to credit reporting agencies. However, our firm is not a data furnisher to credit bureaus and does not report any information to credit reporting agencies, negative or otherwise. We can only recommend the consumer contact our client’s directly for more information as to whether they are currently reporting these matters to credit reporting agencies. Finally, the consumer states that she has recently had difficulties reaching our office. The Account Representative [redacted], who was the consumer’s main contact, is no longer with our office. However, we encourage the consumer to contact us directly to discuss a possible resolution of the matter. She may reach our office toll free at ###-###-####. Collection Managers are available to assist during business hours and can be reached at Ext. [redacted] and [redacted].
On or about 3/24/17, ** sent its initial demand to the consumer at the address in [redacted]. ** has no record of the letter being returned by the [redacted] as undeliverable. It is presumed that the letter was either received by the consumer at that address or that it was forwarded to her at...
another address.
Pursuant to the [redacted]), the 3/24/17 letter notified the consumer that she had 30 days from the receipt of the letter to dispute the validity of the debt or it would be presumed to be a valid debt. The consumer was further notified that, if she disputed the debt within the 30 days, that it could take up to 30 days for the debt to be verified by **’s office.
The first documented contact which ** had with the consumer was on 10/18/17 when ** received an inbound call from the consumer. During the call she claimed that she had left messages for our office. Further, during her conversation with the account representative, the consumer disputed the balance of the debt and said that she thought it should be lower. During this phone call she threatened a lawsuit and a complaint to the Revdex.com. She was informed during this phone call that ** would open up a dispute. She thanked the account representative and the call ended.
The consumer’s 10/18/17 complaint was documented by ** and the dispute and verification processes were initiated by ** on the same day.
On 10/23/17, the consumer called ** and spoke with an account representative. The balance of the debt was stated by the account representative. Additionally the consumer was informed that ** is still processing her dispute and that she should receive the documentation supporting the amount of the debt in the next couple of weeks. The account representative explained that the consumer could try to prove that the balance is lower should she believe that is the case after the documentation is received.
The consumer's dispute has been investigated and supporting documentation and verification of the debt will be issued from the firm within the next 48 hours. After review, the consumer is encouraged to reach back out to the firm directly to discuss mutual resolution.
Mr. [redacted]’s complaint states that Machol and Johannes served a lawsuit that bore no case information and no seal from the Court. Additionally, he claims that the Court had no record of the case. Finally, he states that the amounts sought in Machol and Johannes’ suit are excessive and...
unsubstantiated[redacted] placed Mr. [redacted]’s account with Machol and Johannes for collection on November 16, 2015. Our firm sent a demand letter on November 17, 2015. However, we received no response from Mr. [redacted]. Therefore, our firm pursued suit in order to protect our client’s interests. Pursuant to CRCP 303, Machol and Johannes issued a lawsuit, which was served on January 28, 2016. The lawsuit was subsequently filed on February 2, 2016, within the time frame allowed by applicable court rule. On February 3, 2016, our firm received a letter from Mr. [redacted]. Machol and Johannes established contact with Mr. [redacted] the same day and reached a settlement agreement. Mr. [redacted] settled the matter in full on February 3, 2016, and the case will be dismissed at the Summons return date scheduled for February 24, 2016. Machol and Johannes acted properly as set forth by the applicable rules of civil procedure. Moreover, the parties reached an amicable resolution of the herein matter. However, we invite Mr. [redacted] to contact us directly if there is any additional assistance we can provide in resolution of this matter.
As a Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com Complaint. This matter was filed April 3, 2014 tolling the statute of limitations, thus the case that was recently reinstated is ongoing. The consumer’s complaint indicates that she may be represented...
by counsel, which prevents our firm from speaking directly with her. As long as the consumer is no longer represented, our firm is available and willing to discuss arrangements on this account. However, as our account representatives are not authorized to discuss detailed matter over email, we ask the consumer call us toll free at ###-###-####.
As Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com complaint. In her complaint, Ms. [redacted] states entered into an agreement for bi-weekly automatic payments. She is concerned that despite making regular payment she has received several default...
notices.M&J’s system is set to review for automatic payments pursuant to the written agreement filed with the court. Letters are sent automatically when payments are not received in accordance with the written agreement. Ms. [redacted] has made several adjustments to her payment schedule over the lifetime of her payment agreement. Each time she did approval from her account representative to submit payments outside of the parameters of the written agreement. However, the automatic notice itself was not affected. Ms. [redacted]’s has explained that the notice was sent either before the adjusted payment was received or already in process when the adjustment was made and thus sent in error. Despite the notice being sent, Ms. [redacted] has been reassured by her account representative that any change to her payment schedule has been accepted and no default has occurred. Additionally, M&J does not report to credit reporting agencies. M&J apologizes for any confusion the automatic notices may have caused and looks forward to continuing to service Ms. [redacted]’s account.
Local counsel has agreed to reach out to the consumer in this matter. Counsel will contact the consumer via email in an attempt to assist with settlement of this matter. As thee is pending court case in this matter, M&J will decline arbitration through the Revdex.com.
Complaint: [redacted]
I am rejecting this response because:This is not a validation of debt
Sincerely,
Rhonda Kahn
As a Compliance Attorney for Machol and Johannes, I have reviewed this file and the consumer’s Revdex.com Complaint. On January 2, 2018 our office received a voicemail from the consumer. We returned the call and left a voicemail on the same day. Additionally, our office made an outgoing attempt to the...
consumer again on January 4, 2018. Our firm left an additional message on January 8, 2018. On January 12, 2018 our office issued a balance letter to the consumer's last known address in an attempt to resolve the consumer's inquiry. We encourage the consumer to call us directly or to visit our website at Mjfirm.com for additional assistance.
As the Compliance Attorney for Machol and Johannes I have reviewed this complaint. Machol and Johannes properly served the consumer on 01/17/2015, thus giving fair notice of our impending suit. As the consumer failed to answer or otherwise enter an appearance, on 03/05/2015 Machol and Johannes filed...
a Motion for Default Judgment. This Motion was ordered and approved by the court on 03/27/2015. Once we received our judgment against the consumer, we made multiple attempts over the span of the year to contact the consumer in order to set up a payment plan. On 09/15/2015, we sent a judgment reminder letter stating the balance owed and that the letter was “an opportunity to avoid further legal action which may include garnishment and/or execution and levy on non-exempt wages or assets”. After the letter was sent, our office attempted to reach the consumer to negotiate payments. However, the consumer either did not answer or refused to verify her information. According to the FDCPA, we must verify a consumer’s information before we can discuss an account in order to prevent an unauthorized third-party disclosure. Due to our inability to discuss the account with the consumer, we could not negotiate a payment plan that would benefit both parties and decided to exercise our right to garnish the consumer’s wages and/or assets. The garnishment was applied for and issued in accordance with RCW 6.27. Machol and Johannes strives to reach amicable resolutions and we work with individuals towards solutions. However, once a garnishment issues, we are no longer in a position to set up payment arrangements against our client’s best interests However, we encourage the consumer to please make contact with our main office so that we may further discuss settlement of the account as a whole.
As this consumer is represented by counsel, we can only communicate with the consumer's attorney in regards to this matter. We encourage Ms. [redacted] to reach out to her attorney if she has further questions.