Marigold Financial, LLC.

Initial Business Response /* (1000, 8, 2015/05/08) */
Our client assigned the account in question on XX-and we have sent various letter and made hundreds of phone attempts to clear the balance dueWe were just notified of Mrs***' bankruptcy on 03/23/through a credit agency consumer
dispute processOn 4/8/our office received verification from Mrs***' Bankruptcy attorney that the account in question was included in her bankruptcy filed in We are currently in the process of updating her credit record accordingly
Initial Consumer Rebuttal /* (2000, 10, 2015/05/08) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I appreciate after calling them and then my attorney they finally decided to abide by FDCPA regulationsIt's hilarious they act like they haven't pulled a cbr to see not only did I file bankruptcy but everyone I owed to, was notifiedNo wonder they are a low rates credit agency

Initial Business Response /* (1000, 8, 2015/04/29) */
When an account becomes delinquent in the State of California the law allows for interest to accrue at a 10% annual rate unless otherwise stated in the customers contract of agreement. The manager at Marigold Financial was correct in that we do...

not buy debt, we work accounts on our clients behalf. The interest that has accrued on the account is still owed but will no longer increase as the principle has been paid. Mr. [redacted] will have to contact our office directly to settle this balance.

Initial Business Response /* (1000, 5, 2015/04/13) */
Mr. [redacted] was offered a credit report deletion if a full payment was made and received by 02/19/2015. Mr. [redacted] paid approximately half of the balance on 02/26/2015. After several phone and letter attempts to correct the remaining balance...

Mr. [redacted] finally responded on 04/06/2015 and paid the balance in full. Mr. [redacted] was informed at this time that due to the broken arrangement that the status on his credit would reflect paid in full and no deletion would be granted.

Initial Business Response /* (1000, 10, 2015/07/14) */
Mrs. [redacted] has a total of 10 accounts assigned to us by one of our local medical clinics. (RMC) Her total balance due is 1410.78 and there are service dates ranging from 03/06/2012 through 09/23/2013. Mrs. [redacted] has been mailed many letters and...

received many calls trying to resolve these outstanding balances.
In order to stop collection activity we need to received a Cease and Desist letter in writing that identifies the accounts and also the phone numbers that she would like us to stop communication.