Neuheisel Law Firm P.C.

June 24, 2015Revdex.com[redacted] Re: Complaint filed by: [redacted] Complaint ID: [redacted] Complaint filed on: June 11, 2015 Our File No.: [redacted] County Superior Court Case Number:...

[redacted]To Whom It May Concern:This letter serves as my office’s response to the above-referenced complaint filed by [redacted]. We regret that Ms. [redacted] felt compelled to file a complaint against our office with the Revdex.com. However, we appreciate the opportunity to respond to the complaint for the reason that we continually strive to ensure that every customer experience is a positive and fruitful one for both our office and our customer. With regard to the actual complaint lodged against this office, we have reviewed this matter carefully and can respond to the complaint as follows:This office represents a client that has a judgment against Ms. [redacted] in [redacted] County Superior Court. That judgment was premised upon an arbitration award entered against Ms. [redacted] in 2004. The judgment was entered in 2006. Despite having the opportunity to do so, Ms. [redacted] did not appear in either the arbitration case or the lawsuit underlying the judgment to present any defense at all, much less one that she had already paid the original creditor. To the contrary, our records show a history of voluntary payments by Ms. [redacted] to our client spanning, off and on, from 2004 until February 2015. In February 2015, this office received from Ms. [redacted] a letter, dated January 30, 2015, that she presented as having been sent to her by the original creditor. The letter purported to confirm to Ms. [redacted] the date and amount of her last payment on the account. Moreover, the letter purported to state that she owed nothing more to the original creditor. Ms. [redacted] contended to this office that she had paid off the account to the original creditor and owed nothing. This was the first time Ms. [redacted] made any such contention to this office.This office has since learned that the original creditor sent a new letter to Ms. [redacted] correcting some of the statements in that January 2015 letter. That new letter advised Ms. [redacted] that the statement in the January 2015 letter that she owed nothing further on the account was incorrect and that she did, in fact, owe a balance and that the account had been sold to this office’s client. Based upon the foregoing, upon receipt of that new letter from the original creditor, Ms. [redacted]’s misunderstanding of the status of her account will have been addressed and should be resolved. If you require anything further, then please feel free to contact us. Thank you.

Dear [redacted]:

I am in receipt of your e-mail dated April 9, 2014 which sets forth the complaint made against our firm by [redacted]. This letter serves as Neuheisel Law Firm’s response.

Neuheisel Law Firm represents...

[redacted] who has purchased and been assigned the right to collect the amounts claimed due pursuant to a credit card agreement between [redacted] and [redacted]. **. [redacted]’s account was placed with Neuheisel Law Firm on October 1, 2013 with a balance of $1, 240.03.

**. [redacted] was sent an initial demand letter on October 2, 2013, and an offer letter to settle for less than the full amount on November 13, 2013.  Upon receipt of the November letter, **. [redacted] called our office to discuss a settlement, but no agreement was reached. On January 7, and March 14, 2014, **. [redacted] was sent letters offering to accept monthly payments, in any amount, for the full balance. Despite multiple phone conversations with **. [redacted], we were unable to agree on a satisfactory settlement amount.

It is not Neuheisel Law Firm’s practice to refuse to send settlement agreements via the U.S. Mail. We regularly send out settlement agreements, once we have an oral agreement; however there was never an agreement between Neuheisel Law Firm and **. [redacted]. Further, Neuheisel Law Firm never demanded that **. [redacted] pay $975.00 in two weeks or his claim will be sent to our lawyer.

The principal balance due on **. [redacted]’s account is $1,240.03.  Our client is entitled to collect the amount owed and is under no duty to accept less than the full balance. However, our client regularly engages in settlements and payment plans.

This case is no exception, Neuheisel Law Firm will work with **. [redacted] to resolve this account and will accept **. [redacted]’s offer to settle for $800.00 payable in four monthly payments of $200.00.

Neuheisel Law Firm apologizes to **. [redacted] for the confusion surrounding his settlement discussions and would ask that **. [redacted] contact me directly at [redacted], extension [redacted], so we may discuss the terms.

Thank you for your help in resolving this matter. Please let me know if you have any questions. Sincerely,

I am in receipt of your e-mail dated June 3, 2015 which sets forth the complaint made against our firm by [redacted].  This letter serves as Neuheisel Law Firm’s response.  Neuheisel Law Firm represents CACH, LLC who has purchased and been assigned the right to collect the amounts...

claimed due pursuant to a credit card agreement between [redacted] and the original creditor Admittedly, there was some confusion over the status of Mr. [redacted]’s account and whether certain settlement parameters were available.  We have reviewed the account and resolved the uncertainties. Neuheisel Law Firm will work with Mr. [redacted] to resolve this account and will accept Mr. [redacted]’s offer to make monthly payments of $200.00 until the balance is paid in full.  Our firm sent Mr. [redacted] a letter via email and US mail on June 3, 3015, asking him to contact us to discuss this matter and advising him that we will accept his monthly payments. Neuheisel Law Firm apologizes to Mr. [redacted] for the confusion surrounding his settlement discussions and would ask that Mr. [redacted] contact me directly at ###-###-####, extension [redacted], so we may discuss the terms.Thank you for your help in resolving this matter. Please let me know if you have any questions. Sincerely,[redacted]

I am in receipt of your e-mail dated April17, 2014 concerning **. [redacted]'s response:

 "I have reviewed the response made by the business in reference to complaint ID 10004737, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.  They did not even address the real issue that the complaint was regarding.  There was already a settlement that was agreed upon at $800 over a 4 month span with

$200 being paid each month.  They then refused to send it by mail and honor the offer that was already agreed upon. "

This letter serves as Neuheisel Law Firm's response.

Neuheisel Law Firm represents [redacted] who has purchased and been assigned the right to collect the amounts claimed due pursuant to a credit card agreement between [redacted] and FIA Card Services. **. [redacted]'s account was placed with Neuheisel Law Firm on October 1, 2013 with a balance of$1, 240,03.

Contrary to **. [redacted]'s response, we did address this issue by stating there was never an agreement between **. [redacted] and Neuheisel Law Firm.  Here is an excerpt from our original response:

 

"**. [redacted] was sent an initial demand letter on October 2, 2013, and an offer letter to settle for less than thefull amount on November 13, 2013.  Upon receipt of the November letter, **. [redacted] called our office to discuss a settlement, but no agreement was reached   On January 7, and March 14, 2014, **. [redacted] was sent letters offering to accept monthly payments,  in any amount, for the full balance. Despite multiple phone conversations with **. [redacted], we were unable to agree on a satisfactory settlement amount.

It is not Neuheisel Law Firm's practice  to refuse to send settlement agreements via the US. Mail.  We regularly send out settlement agreements, once we have an oral agreement; however there was never an agreement between Neuheisel Law Firm and **. [redacted]. "

On February 11,2014, **. [redacted] made an offer of$700.00 payable in 3 monthly payments which was not accepted.  He was then offered a settlement in the amount of $868.00, which was then reduced to

$850.00, which he did not accept.  When our firm contacted **. [redacted] on April4, 2014 concerning

the debt he told the collector that he had accepted an offer to settle for $800.00 payable in four monthly payments of$200.00 and that he was waiting to receive that offer in the mail. There is no record of this conversation or offer, which the collector tried to explain.

As stated in our previous response, we will mail out settlement agreements once we have an agreement in place. Again, Neuheisel Law Firm apologizes to **. [redacted] for the confusion and agrees to accept **. [redacted]'s offer of$800.00 payable in four monthly payments of$200.00.  We will put this agreement in writing and mail to **. [redacted] for his signature. If **. [redacted] would please contact me directly at [redacted], extension [redacted], we can discuss the terms and I can process that paperwork immediately.

Thank you for your help in resolving this matter.  Please let me know if you have any questions. Sincerely,

I am in receipt of your email dated June 19, 2014. This letter will serve as Neuheisel Law Firm's response to the Complaint filed by Ms. Veronica Smith. 

This law firm represents a creditor in its attempt to collect the amounts claimed due pursuant to a contract between Ms....

Smith's husband, Ernest Smith, and GE Money Bank who provides financing for Care Credit Veterinary Services. The Smiths were making regular monthly payments through March, 2014. A variety of things have happened since March and as of today there have been no payments on the Smiths account since then. 

Neuheisel Law Firm acknowledges some confusion with regard to the handling of her account. Nevertheless, the Smiths were responsible for making regular monthly payments on their account. Recently, a representative from Neuheisel Law Firm spoke with Ms. Smith and we believe a resolution to this matter has been reached. If this is not true, I encourage Ms. Smith to contact me directly. My direct extension is 401. 

Thank you for your consideration. If you have any questions or need additional information, please let me know. 

Very truly yours, 

Kathryn A. Neuheisel

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

They did not even address the real issue that the complaint was regarding.  There was already a settlement that was agreed upon at $800 over a 4 month span with $200 being paid each month.  They then refused to send it by mail and honor the offer that was already agreed upon.

Regards,

Review: I was contacted by this firm last year and had come to terms on payment arrangments. I was paying $50.00 every two weeks for 6 months at which point they would contact me to increase my payments. Shortly after my last $50.00 payment plan they called me and stated that I am in default and they are going to proceed with a Judgment. This came out of nowhere as the agreement was for them to contact me to increase payments. I explained that this was what both parties agreed to and they are not honoring that agreement. They stated that even though that this was the agreement that they made that they were not going to honor it. I had made the payment arrangements with them prior to being served papers. They said that since I was served that they no longer have to honor that agreement and they are bound without exception to proceed with judgment. I asked and pleaded to increase my payments as originally agreed upon and they refused to offer resonable payment options. They offered a settlement of aproximately $1000.00 which was only $80.00 less that the total balance on the account. I explained they I know I have the debt and I am doing everything I can to pay it but I do not have that much money. I explained that I am happy to continue with monthly payments and can double my payment amount and they refused citing terms of the court documents prohibit them from doing anything but settling. The person that contacted me was incredibly rude, condecending and refused to work with me to pay the debt. She kept telling me that it is my debt and my responsibility to pay it. I explained that is what I am trying to do but they will not work with me and be reasonable. I explained my life situation which was that I just had a newborn who was born early. I would have attempted to contact them myself to increase payments but life was a bit hectic at the time and it escaped me. The original agreement was for them to contact me but they would not own up to that. They kept stating that it was my debt and my responsibility and that since it had been longer than two weeks since my last payment that I was in default and they were going to proceed with judgment. I tried to explain that between having a child early, and a massive flood at our house that displaced us for months that I am doing everyting in my power to make good on the debt and they are just making it worse by refusing to work with me on what are very reasonable payments. I was trying to explain that we had a major flood in December and lost almost all of our possesions and we did not have a place to live for three months. Unfortunately we did not have renters insurance so our stuff was gone and we had no money to find a temporary place to live. We had to make do with my entire family staying at various friends places on couches or a small bedroom until our house was repaired. During that time our child was born and we were still out of a place to live. The lady did not want to hear my story or even care. She just kept rudely repeating the same things over and over as if I did not understand what she was saying. I just kept pleading to work with me. My family cannot take another financail blow and stay above water. The only thing that the representitve offered was that I could make payments through the mail if I want but they will not set up payment arrangements with me. That unless I agree to the settlement that they will proceed with judgment.The call was eventually ended after my extreme frustration got the best of me and they would not budge on anything less than the settlement described above. They said it was going to legal and that was the end of the issue and there was nothing else they could do. This all took place aproximately 6 weeks ago. Today, 6/3/2015, I received a call from the firm again. This time it was a different story all together but still with the same result. This time they were willing to set up payment arrangment with me which totally contradicts what I was told the first time. I told the lady, whom I believe is the same person I spoke to the first time, that I can make payments of $100.00 every two weeks until paid in full. I explained that I am stretched extremely thin and that this is the honest to god most I can pay. Between medical bills for the recent birth of our child, house, car, and regular bills that there isn't anything left to pay. I am already working over 60 hours a weeks to pay our bills and support my family. If there was any way I could pay more I would do it in a heartbeat. She rejected my payment offer and said they will not agree to any terms unless I make a payment of a little more than $400 immediately. I explained that I just do not have that much money in my account. She asked me how long it would take to get that much money. I said I cannot come up with it. I just do not make enough and skipping other bills isnt an option. They are determined to get their money by any means necessary. I understand that that is their job but at some point there has to be a litte give or compromise and possibly some sympathy or empathy. I explained that I just cannot pay that much and repeated my offer which was denied. I explained that any other terms would financially sink my family. We live on a tight budget that has no wiggle room. Again she said $400.00 plus up front and then they could talk about payment arrangements. I told them that this is ridiculous. That I am trying to pay and they keep flat our denying my attempts to pay them. That either I agree to their terms or nothing at all. This does not benefit either party. I am also concerned that they are not being honest with me. The first time when they refused my offer to make payments it was because they have to honor the terms within the papers I was served with even though we had already set up an arrangement prior to that. Now they seem to be offering new terms that do not line up with their prior offer. Still the new terms are not something that I can afford to pay so the situation is still the same. I am not trying to skip out on my debt. I take full responsibility for it and I truly want to pay it. I pleaded and begged for them to accept my payment offer and they just will not work with me. I have never heard of a place that refuses to take payments for outstanding debt. All I want to do is pay my debt as fast as I can and get this matter behind me. I would just like this company to show a little empathy / sympathy and work with me to get it resolved. It's not that much to ask.Desired Settlement: I would like for them to work with me to make reasonable payments. I would like them to conduct themselves professionally and be courteous and respectful unlike the representative that I keep having to deal with. I just want to pay my debt for $200.00 per month until it is paid in full which is aproximately 6 months. Had they not kept denying my plan I could have been paying this off for the last 6 weeks and not wasting my time writing this.

Business

Response:

I am in receipt of your e-mail dated June 3, 2015 which sets forth the complaint made against our firm by [redacted]. This letter serves as Neuheisel Law Firm’s response. Neuheisel Law Firm represents CACH, LLC who has purchased and been assigned the right to collect the amounts claimed due pursuant to a credit card agreement between [redacted] and the original creditor Admittedly, there was some confusion over the status of Mr. [redacted]’s account and whether certain settlement parameters were available. We have reviewed the account and resolved the uncertainties. Neuheisel Law Firm will work with Mr. [redacted] to resolve this account and will accept Mr. [redacted]’s offer to make monthly payments of $200.00 until the balance is paid in full. Our firm sent Mr. [redacted] a letter via email and US mail on June 3, 3015, asking him to contact us to discuss this matter and advising him that we will accept his monthly payments. Neuheisel Law Firm apologizes to Mr. [redacted] for the confusion surrounding his settlement discussions and would ask that Mr. [redacted] contact me directly at ###-###-####, extension [redacted], so we may discuss the terms.Thank you for your help in resolving this matter. Please let me know if you have any questions. Sincerely,[redacted]

Neuheisel Law Firm P.C. states they offer a fair square promise. They say they will work with the debtor based on their situation but Neuheisel filed a law suit without contacting the debtor about the debt and when told the 64 year old woman hadn't worked in 19 months (no one would hire someone that old) told her they would take her to court. When her sister said she could pay $3300 of the $10,000 owed (all she had in savings), they wouldn't settle but wanted $1700 more in six months. They are intimidating and very unfair. [redacted] sold them the debt and according to an employee of [redacted] it was probably for about $1000. Their website is circular and just goes around and around saying nothing but how "fair" they are. They are greedy and wanted more than any other creditor wanted $ for $. We settled $17,000 for less than they wanted for the $10,000. Intimidating.

Review: Neuheisel Law firm began contacting me several years ago stating I had a outstanding dept with [redacted] of [redacted]. I informed them on numerous occasions in writing and by phone that the balance was paid in full to the original creditor [redacted]. For the last few years I had been making payments to them in good faith to avoid them garnishing my wages which they threatened to do on several occasions. On February 1, 2015 I received a written confirmation letter from [redacted] of [redacted] stating my account was satisified in 2003(no balance). I faxed the letter to Neuheisal Law, again informing them there was no outstanding balance due to [redacted] of [redacted]. As of today, June 11th, I have been unable to speak with anyone regarding my account. I have received two letters stating they received the document butt hey are waiting to here from their client [redacted] of [redacted]. I have paid over $5,000 to their law firm over the last several years which needs to be reimbursed to me. Unfortunately, now there is no responds from their company. Approximately four years ago the placed a levy on my checking account without prior notification. Which caused a financial hardship for my family.Desired Settlement: I would like a full refund of all payments I made to them. This has caused a financial, emotional and medical hardship on me. I am a single mother that was dealing with healh issues and many times unable to purchase my medication due to having to send them payments. Any assistance with resolving this issue is greatly appreciated.

Business

Response:

June 24, 2015 Revdex.com[redacted] Re: Complaint filed by: [redacted] Complaint ID: [redacted] Complaint filed on: June 11, 2015 Our File No.: [redacted] County Superior Court Case Number: [redacted]To Whom It May Concern:This letter serves as my office’s response to the above-referenced complaint filed by [redacted]. We regret that Ms. [redacted] felt compelled to file a complaint against our office with the Revdex.com. However, we appreciate the opportunity to respond to the complaint for the reason that we continually strive to ensure that every customer experience is a positive and fruitful one for both our office and our customer. With regard to the actual complaint lodged against this office, we have reviewed this matter carefully and can respond to the complaint as follows:This office represents a client that has a judgment against Ms. [redacted] in [redacted] County Superior Court. That judgment was premised upon an arbitration award entered against Ms. [redacted] in 2004. The judgment was entered in 2006. Despite having the opportunity to do so, Ms. [redacted] did not appear in either the arbitration case or the lawsuit underlying the judgment to present any defense at all, much less one that she had already paid the original creditor. To the contrary, our records show a history of voluntary payments by Ms. [redacted] to our client spanning, off and on, from 2004 until February 2015. In February 2015, this office received from Ms. [redacted] a letter, dated January 30, 2015, that she presented as having been sent to her by the original creditor. The letter purported to confirm to Ms. [redacted] the date and amount of her last payment on the account. Moreover, the letter purported to state that she owed nothing more to the original creditor. Ms. [redacted] contended to this office that she had paid off the account to the original creditor and owed nothing. This was the first time Ms. [redacted] made any such contention to this office.This office has since learned that the original creditor sent a new letter to Ms. [redacted] correcting some of the statements in that January 2015 letter. That new letter advised Ms. [redacted] that the statement in the January 2015 letter that she owed nothing further on the account was incorrect and that she did, in fact, owe a balance and that the account had been sold to this office’s client. Based upon the foregoing, upon receipt of that new letter from the original creditor, Ms. [redacted]’s misunderstanding of the status of her account will have been addressed and should be resolved. If you require anything further, then please feel free to contact us. Thank you.

Review: Received a settlement offer of $800 with a payment plan of $200 every month for 4 months. I accepted and asked to receive the settlement offer by mail so I could have an official record of it. They refused to send it by mail and now claim I have to pay $975 in the next two weeks or they will send it to their lawyerDesired Settlement: The accepted original settlement offer to honored and mailed to me so it can be taken care of.

Business

Response:

Dear [redacted]:

I am in receipt of your e-mail dated April 9, 2014 which sets forth the complaint made against our firm by [redacted]. This letter serves as Neuheisel Law Firm’s response.

Neuheisel Law Firm represents [redacted] who has purchased and been assigned the right to collect the amounts claimed due pursuant to a credit card agreement between [redacted] and [redacted]. **. [redacted]’s account was placed with Neuheisel Law Firm on October 1, 2013 with a balance of $1, 240.03.

**. [redacted] was sent an initial demand letter on October 2, 2013, and an offer letter to settle for less than the full amount on November 13, 2013. Upon receipt of the November letter, **. [redacted] called our office to discuss a settlement, but no agreement was reached. On January 7, and March 14, 2014, **. [redacted] was sent letters offering to accept monthly payments, in any amount, for the full balance. Despite multiple phone conversations with **. [redacted], we were unable to agree on a satisfactory settlement amount.

It is not Neuheisel Law Firm’s practice to refuse to send settlement agreements via the U.S. Mail. We regularly send out settlement agreements, once we have an oral agreement; however there was never an agreement between Neuheisel Law Firm and **. [redacted]. Further, Neuheisel Law Firm never demanded that **. [redacted] pay $975.00 in two weeks or his claim will be sent to our lawyer.

The principal balance due on **. [redacted]’s account is $1,240.03. Our client is entitled to collect the amount owed and is under no duty to accept less than the full balance. However, our client regularly engages in settlements and payment plans.

This case is no exception, Neuheisel Law Firm will work with **. [redacted] to resolve this account and will accept **. [redacted]’s offer to settle for $800.00 payable in four monthly payments of $200.00.

Neuheisel Law Firm apologizes to **. [redacted] for the confusion surrounding his settlement discussions and would ask that **. [redacted] contact me directly at [redacted], extension [redacted], so we may discuss the terms.

Thank you for your help in resolving this matter. Please let me know if you have any questions. Sincerely,

Review: I was making monthly payments of 100.00 with no problems and was working with the California office. My Bank account was bought out by a new bank in our rural town and I called the person handling my account and I told him I was not sure the payment would go through at the date it was set up for because of the transition he stated it was not a problem at all and asked when the transition would take place, I told him everything would be finalized by May 5th he stated great give us a call around that time and we will set up new arrangements. I asked if there would be a problem he said no not at all and I also asked if he could tell me what my balance was because I had already paid into it for a while. He stated that when I called back he will have forwarded the message and they will have that information ready when I called. I called around May 5th Spoke to the new person working with mine and my husbands acct. he stated there was no record of that conversation in our notes and as far as he was concerned I had missed a payment without any phone call and my judgement was now in default I told him repeatedly what the conversation was and he said he can go back to the recording but it still did not help my case and I would have to either pay off the amount or more than half or higher monthly payments and wanted payment information as of that date. He also stated that I owed them a lot more because the fee's keep adding on. I finally made a payment arrangement and made and started having problems with not being able to make that payment. I did call and try to make another payment arrangement and he stated they were not going to do that anymore because I already had a dissatisfied check and that the fee's were still growing and I needed to hurry up and do something and recommended I get a loan. I did try and got denied and called him and he said to fax in denial letters but my judgement will probably go into default. I have offered to send in payments but it is not good enough unless it is a very payment and they only want to take it out of my account and they want up to 6 months set up. I just feel they are unfair and my payments are not doing any good and will have to file bankrupt just so they leave me alone. Nothing I do is good enough. I call them regularly and tell them everything that is going on and it never matters but they can switch my account and change everything and feel they do not have to send me any notice or any type of warning.Desired Settlement: Want them to leave me alone, or realistically give me an exact payoff amount without upping all the time and send some kind of monthly statements and work out something with me that I can afford. Or will have to do Bankrupt

Business

Response:

I am in receipt of your email dated June 19, 2014. This letter will serve as Neuheisel Law Firm's response to the Complaint filed by Ms. Veronica Smith.

This law firm represents a creditor in its attempt to collect the amounts claimed due pursuant to a contract between Ms. Smith's husband, Ernest Smith, and GE Money Bank who provides financing for Care Credit Veterinary Services. The Smiths were making regular monthly payments through March, 2014. A variety of things have happened since March and as of today there have been no payments on the Smiths account since then.

Neuheisel Law Firm acknowledges some confusion with regard to the handling of her account. Nevertheless, the Smiths were responsible for making regular monthly payments on their account. Recently, a representative from Neuheisel Law Firm spoke with Ms. Smith and we believe a resolution to this matter has been reached. If this is not true, I encourage Ms. Smith to contact me directly. My direct extension is 401.

Thank you for your consideration. If you have any questions or need additional information, please let me know.

Very truly yours,

Kathryn A. Neuheisel

Review: NeuHeisul bought a loan debt from [redacted]. They have put a Bank Levy on my account now I really will not be able to pay them. Or have a job or a car. So now what do I do.Desired Settlement: Return to original Loan debt with payments. Take to levy off leave the money in the bank so that I can continue my livelyhood.