Nelson & Kennard

Thank you for allowing our firm the opportunity to respond to Ms [redacted] concerns filed with the Revdex.com on June 7, According to her comments, Ms [redacted] is rejecting our response to her previously filed inquiry because the letter verifying her debt did not include documents bearing her initials or signatureShe asks for a detailed statement showing all of the payments applied to her balanceFinally, she inquires about her responsibility for paying the $filing feeIn reply to your communication, our office has further investigated the issues raised thereinOur records reflect that Ms [redacted] Lending Club loan application was completed online and electronically signedAs such, the documents would not bear her signature or initialsA breakdown of all payments received on the account and how they were applied to the balance was included with the letter verifying the debt, sent to Ms [redacted] on May 22, 2017, along with the electronically signed contractA copy has been enclosed for your referenceA $filing fee was added to the outstanding balance when the lawsuit was filed on March 13, Ms [redacted] agreed to pay all costs incurred in the collection of her debt as stated in the aforementioned electronically signed contractWe appreciate your inquiry and the opportunity to assist Ms***We invite her to contact our office at anytime if she wishes to discuss her accountOur toll free number is provided above.I trust the above-information adequately addresses Ms [redacted] inquiryIf, however, she requires any additional information or has any additional questions or concerns, she should not hesitate to contact our officeThe firm is a debt collector attempting to collect a debtAny information obtained will be will be used for that purposeCalls may be monitored and are recorded for quality assuranceVery truly yours,Nelson & Kennard

Please allow our firm an extension of one week for our response to this complaintOur office has no record of receiving electronic notification of this complaint and only became aware of the issue when we received the hard copy via mail today, May Thank you

Thank you for allowing our firm the opportunity to respond to Mr [redacted] 's complaint, which was submitted on April 20, According to your inquiry, Mr [redacted] contends that our firm is wrongfully garnishing his wages and requests that we close the file in our office.Our office has conducted an extensive investigation of the issues raised therein and responds accordinglyOur records confirm that the Judgement against Mr [redacted] is valid and that the statute of limitations did not expire prior to suit or entry of that judgementThe Judgement was awarded on June 27, and is valid for ten years, at which time it can be renewed under Oregon lawThe Judgement was entered for the amount of $10,241.06, which included the principal amount of $5,along with prejudgment interest and prevailing party fees awarded by the courtAfter the accumulation of post-judgement interest, the current balances is $34,809.09.According to our records, Mr [redacted] was personally served with the summons and complaint and received documentation regarding the Judgement at the address which was, at that time, his last known addressMr [redacted] 's claim that he is not legally responsible for this debt is incorrect, as Mr [redacted] signed the contract and a Judgement at the address which was, at the time, his last known addressMr [redacted] 's claim that he is not legally responsible for this debt is incorrect, as Mr [redacted] signed the contract and a Judgement was awarded against himAny arrangement made between Mr [redacted] and his ex-spouse is a personal one and has no bearing over his legal responsibility for this debt.Overall, Mr [redacted] is legally responsible for the amount due and owing specified aboveI trust the above-information adequately addresses your inquiryIf, however, you require additional information or have any additional questions or concerns, please do not hesitate to contact our office.This firm is a debt collector attempting to collect a debtAny information obtained will be used for that purposeCalls may be monitored and are recorded for quality assurance.Very truly yours,NELSON & KENNARD [redacted] Attorney at Law

According to your client’s inquiry, Ms [redacted] believes the account balance should be zero and she is trying to prevent a 25% wage garnishmentMs [redacted] also indicated that she had contacted Capital One Bank who ostensibly advised her that she did not owe any money In reply to your client’s inquiry, our office has conducted an investigation of the issues raised thereinOur records reflect that on January 9, 2008, a Summons and Complaint was filed to collect the balance due and owing on the Capital One account referenced aboveJudgment was entered on that suit against Ms [redacted] on April 9, in the sum of $1,No payments have posted to the account since that timeOn October 16, 2014, Ms [redacted] filed her Chapter bankruptcy petition, staying ifurther collection activity against her with respect to the above-referencedAs the result of the bankruptcy petition filed by her, my office has forwarded a release of the pending wage garnishment t.o the Sheriff for processing We appreciate your client’s inquiry and the opportunity to assist youWe invite you to contact our office at anytime if you wish to discuss the accountOur toll-free number is provided above

Thank you for all allowing our firm the opportunity to respond to [redacted]’s Revdex.com (“Revdex.com”) complaint, ID number [redacted], filed on October 19, 2015. According to Ms. [redacted]’s inquiry, she received a notification of an involuntary lien being filed against another party with a...

similar name. as this notification was delivered to her home address, Ms. [redacted] believed the lien had been filed on the property located at that address. Ms. [redacted] asked for the lien to be removed from her property and for an apology for upsetting her. In reply to Ms. [redacted]’s inquiry, our office has conducted an investigation of the issues raised therein. Our records reflect that Ms. [redacted] called out office on October 21, 2015 and spoke with a representative. Ms. [redacted] stated that she had received a notification of an involuntary lien at her home address. She then stated that her name was different than the name referenced on the notification and the last four digits of her social security number were also different from those on the document. Our representative informed Ms. [redacted] that liens are recorded as to an individual, not as to a specific property and if she is not the Defendant which judgment was obtained against the lien would not pertain to her. He then advised her that he had removed her address from our system so she would not receive any correspondence from our office moving forward. We apologize for inconvenience to Ms. [redacted] and appreciate her inquiry and the opportunity to assist her. We invite her to contact our office at any time if she has any further questions or concerns. Our toll-free number is provided above. I trust the above-information adequately addresses Ms. [redacted]’s inquiry. If, however, she requires any additional information or has any additional questions or concerns, she should not hesitate to contact our office. This firm is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. Calls may be monitored and are recorded for quality assurance.

Dear Mr. [redacted]:Thank you for allowing our firm the opportunity to respond to Ms. [redacted]'s complaint, submitted on March 23, 2015. According to your inquiry, Ms. [redacted]s contends that our firm has failed to terminate the garnishment placed through her employer and refund any amounts taken from her...

paycheck.In reply to your inquiry, our office has conducted an investigation of the issues raised in therein. I have confirmed that we provided the levying officer with direction to release the garnishment and received confirmation from the Los Angeles County Sheriff's department that the termination had been processed and sent to Sherriff's department that the termination has been processed and sent to the employer on March 17, 2015.Additionally, all monies that were received as a result of the garnishment have been refunded to Ms. [redacted]s. As mentioned in her complaint, the amount of $209.71 was refunded to the consumer on March 5, 2015. We also sent a refund on March 23, 2015 in the amount of $343.29. Any additional funds received will be refunded by the Los Angeles County Sheriff or from Ms. [redacted]'s employer.I trust the above information adequately addresses your inquiry. If, however, you require any additional information or have any additional questions or concerns, please do not hesitate to contact our office. This firm is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. Calls may be monitored and are recorded for quality assurance.Thank you for your courtesy.Very truly yours,Nelson & Kennard [redacted]Attorney at Law

Ms. [redacted] concerns have been addressed in the attached letter, mailed to Ms. [redacted] Monday, November 16.  We invite Ms. [redacted] to contact our office with any questions or additional information and look forward to resolving this issue.

I am rejecting this response because: The garnishment release order was finally received by my employer on March 27, 2015.  I did receive check payment  dated March 20 2015 also after filing my complaint with you.  On April 27th I just received another reimbursement through my payroll.  This leaves two reimbursements that I have not yet received.   My payroll department informed me that I was also charged $1.50 for each garnishment.     So,  my final request for full reimbursement is that I be refunded the $7.50 (1.50 *5 garnishments) so that I am fully reimbursed for all of the monies that were wrongly garnished from my pay.Although I have not yet been repaid any of the money garnished from my March 6th and March 20th pay dates,  my payroll reimbursement yesterday April 27th makes it appear that the process has begun for me to receive them.

Thank you for allowing our firm the opportunity to respond to Mr.[redacted]’s complaint, which was submitted on May 27, 2015. According to your inquiry, Mr.[redacted] contends that he has never received any paperwork notifying him of a lawsuit and that the original debt was charged off in 2009. Our...

office has conducted an extensive investigation of the issues raised therein and responds accordingly. According tour records, Mr. [redacted] was served via substitute service by leaving a copy of our summons and complaint with Mr. Dillon Guinn, a co-resident, and then mailing a true and correct copy of those same documents to his last known address. Further, our records reflect that the judgment amount is valid. Subsequent to serving Mr. [redacted], a judgment was awarded by the court on April 12, 2011 for the amount of $7,479.87 plus post judgment interest rate at the legal rate of 10%. Said amount included the charge-off amount of $6,368.92 along with prejudgment interest and court cost awarded by the court. After crediting $411.97 from a previous garnishment, the current balance is $10,523.14. We have invited Mr. [redacted] to contact our office at anytime if he wishes to discuss his account and have provided him with out contact information if he chooses to do so. I trust the above-information adequately addresses your inquiry. If, however, you require any additional information or have any additional question or concerns, please do not hesitate to contact our office.

Please allow our firm an extension of one week to respond to this complaint. Our office has no record of receiving electronic notification of this complaint and only became aware of the issue today, May 7. Thank you.

After receiving Ms. [redacted]'s complaint, our office has conducted a thorough investigation of the matter at hand.  Ms. [redacted]'s concerns have been addressed in a letter mailed February 12, 2016.  A letter containing the same information has been sent to the Revdex.com the same...

day.  Out of concern for Ms. [redacted]'s privacy, the correspondence has not been uploaded.  Please do not hesitate to contact our office with any questions or concerns.

According to your client’s inquiry, Ms. [redacted] believes the account balance should be zero and she is trying to prevent a 25% wage garnishment. Ms. [redacted] also indicated that she had contacted Capital One Bank who ostensibly advised her that she did not owe any money.
In reply to your...

client’s inquiry, our office has conducted an investigation of the issues raised therein. Our records reflect that on January 9, 2008, a Summons and Complaint was filed to collect the balance due and owing on the Capital One account referenced above. Judgment was entered on that suit against Ms. [redacted] on April 9, 2008 in the sum of $1,621.12. No payments have posted to the account since that time. On October 16, 2014, Ms. [redacted] filed her Chapter 7 bankruptcy petition, staying i11 further collection activity against her with respect to the above-referenced. As the result of the bankruptcy petition filed by her, my office has forwarded a release of the pending wage garnishment t.o the Sheriff for processing.
We appreciate your client’s inquiry and the opportunity to assist you. We invite you to contact our office at anytime if you wish to discuss the account. Our toll-free number is provided above.

Thank you for allowing our firm the opportunity to respond to [redacted] inquiry filed on March 20, 2017. According to the inquiry, Mrs....

[redacted] believes that Chase sold her account to this firm in June of 2013, just prior to a settlement with the CFPB. She states that our firm previously levied her bank account and has recently levied her account again in an effort to recover the outstanding balance. She requests that her debt be forgiven due her health condition, because Chase allegedly sold the debt just prior to a settlement with the CFPB, and because the balance resulted from using the credit card to pay her mortgage with Chase.In reply to the inquiry, our office has conducted an investigation of the issues raised therein. First, this firm does not own Mrs, [redacted] debt. We represent the assignee of the account, Cavalry SPV I, LLC, in this matter.Our records reflect that the Washington Mutual/Chase Bank credit card account was opened June 26, 2000 and was open until May 31, 2009. It was subsequently assigned to [redacted], Ltd, and was placed with our firm in December 2010. A lawsuit was filed May 15, 2012. Judgement was obtained June 14, 2013. On May 31, 2016, the judgment was assigned to Cavalry SPV I, LLC. A copy of the Acknowledgement of Assignment of Judgement is enclosed.This office has previously spoken with Mrs. [redacted] on several occasions about resolving the outstanding balance. She contacted our office on August 7, 2013, and was informed at that time that if no mutually agreeable payment arrangement was in place, our office could attempt to execute on the Judgement to satisfy the outstanding balance. Subsequently, in March 2014, our office executed a bank levy on her account at US Bank. The sum of $194.58 was garnished from the bank account and the applicable amount credited to the outstanding balance. To date, no other funds have been received from a bank levy.The Chase Bank letter included with the complaint is in reference to a different account, ending in [redacted]. The letter, dated April 26, 2016, states that Chase will no longer try to collect on accounts they still own. The account in question was sold by Chase to our client, [redacted], LTD, prior to placement with our office in 2010. As such, it was no longer owned by Chase on April 26, 2016.Notwithstanding, in deference to Mrs. [redacted] perceived complaints and in recognition of her current financial circumstances, as a courtesy to her our client has requested that the judgement against her be satisfied. To this end, a satisfaction of judgement will be prepared and filed with the court. A copy will be provided to Mrs. [redacted].I trust the above-information adequately addresses Mrs. [redacted] inquiry. If, however, you require any additional information or have any additional questions or concerns, do not hesitate to contact our office. Our toll-free number is provided above.This firm is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. Calls may be monitored and are recorded for quality assurance.Very truly yours,NELSON & KENNARD[redacted]Attorney at Law

We have submitted Ms. [redacted]'s concerns to our client for its consideration.  I presume we will be in a position to respond to Ms. [redacted]'s requests no later than 7/29.  Thank you.

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

I am rejecting this response because:Thank you for taking the time to respond to my concerns.After receiving what you call "Debt Verification" I noticed that non had my initials and or my signature. I tried to call several times since then but was unable to connect with Rosie who is in charge of my account. I am still looking to resolve this issue as best as we can due to the circumstances. I do keep old emails and I do show that I paid in April of 2015 and by May of 2015 the account was already sent to collection. I would like to have a detailed statement that shows all my payments and how they were applied, please email to [redacted] as I don't have a permanent address.Also, after I responded to your letter last year I never heard back from you, why should I pay $370 in filing fee if you did not make an attempt to come to an agreement with me??Thank you.

Please allow our firm an extension of one week for our response to this complaint. Our office has no record of receiving electronic notification of this complaint and only became aware of the issue when we received the hard copy via mail today, May 7. Thank you.

Thank you for allowing our firm the opportunity to respond to Ms. [redacted] concerns filed with the Revdex.com on June 7, 2017. According to her comments, Ms. [redacted] is rejecting our response to her previously filed inquiry because the letter verifying her debt did not include documents bearing her initials or signature. She asks for a detailed statement showing all of the payments applied to her balance. Finally, she inquires about her responsibility for paying the $370.00 filing fee. In reply to your communication, our office has further investigated the issues raised therein. Our records reflect that Ms. [redacted] Lending Club loan application was completed online and electronically signed. As such, the documents would not bear her signature or initials. A breakdown of all payments received on the account and how they were applied to the balance was included with the letter verifying the debt, sent to Ms. [redacted] on May 22, 2017, along with the electronically signed contract. A copy has been enclosed for your reference. A $370.00 filing fee was added to the outstanding balance when the lawsuit was filed on March 13, 2017. Ms. [redacted] agreed to pay all costs incurred in the collection of her debt as stated in the aforementioned electronically signed contract. We appreciate your inquiry and the opportunity to assist Ms. [redacted]. We invite her to contact our office at anytime if she wishes to discuss her account. Our toll free number is provided above.I trust the above-information adequately addresses Ms. [redacted] inquiry. If, however, she requires any additional information or has any additional questions or concerns, she should not hesitate to contact our office. The firm is a debt collector attempting to collect a debt. Any information obtained will be will be used for that purpose. Calls may be monitored and are recorded for quality assurance. Very truly yours,Nelson & Kennard

Thank you for allowing our firm the opportunity to respond to Mr. [redacted]'s complaint, which was submitted on May 27,2015. We received notification on June 13, 2015 that Mr. [redacted] had rejected our response. according to your inquiry, Mr. [redacted] contends we have not provided proper evidence that the service of the Summons Complaint was valid.Our office has conducted an extensive investigation of the issues raised therein and responds accordingly. according to our records, the process server made several documented attempts to serve Mr. [redacted] personally, but were unsuccessful. Mr. [redacted] was then served via substitute service by leaving a copy of our summons and complaint with Mr. [redacted], a co-resident, and then mailing a true and correct copy of those same documents to his last known address. This last known address was the same address at which Mr. [redacted] received statements for the account in question until it was charged-off in May 2009.As Mr. [redacted] stated in his complaint, he did not move residences until August 1, 2010, therefore the service was valid. We have provided Mr. [redacted] with a copy of the Proof of Service of the summons and complaint as requested.We have invited Mr. [redacted] to contact our office at anytime if he wishes to discuss his account and have provided him with our contact information if he chooses to do so.I trust the above-information adequately addresses your inquiry. If, however, you require any additional information or have any additional questions or concerns, please do not hesitate to contact our office. This firm is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. Calls may be monitored and are recorded for quality assurance.

I am rejecting this response because:again Nelson and Kennard does not provide any documented evidence to show proof at attempts of service only that they state “the process server made several documented attempts to serve Mr. [redacted] personally, but were unsuccessful.” Where are the documents showing the attempts made by this so-called server? Name of service? Again Nelson and Kennard holds back information that is vital to their case. Why would they not rather present everything at the very beginning of this inquiry.Even prior to this service shouldn’t Nelson and Kennard already have made other attempts to work out some type of arrangement? I invite Nelson and Kennard to provide the following information:Number of attempted phone calls prior to the service?  Days?  Times?  Number of attempted phone calls after service? Days? Times?  Number of phone calls after judgement?  Days? Times?    As they state “Calls may be monitored and are recorded for quality assurance.”Number of letters mailed?  Days?  certified?Surely any “collection agency”would have this information readily available to show proof to any State or Federal agency inquiring?  Or to their client [redacted] to prove the validity of their service?