P. Scott Lowery, P.C.

Complaint: [redacted] I am rejecting this response because: My husband has been in contact with [redacted] and she was suppose to call him about a Vacated Judgement deal and have yet to receive a call back from herShe stated that she would call once the Revdex.com reply was done on her endIts been days since the your reply and have not gotten a callCalled 2/with the number she gave to contact herShe does not have a voicemail and the line continuously rings Sincerely, [redacted] ***

On February 29, 2016, our office made arrangements with *** *** to resolve the ***er Mr*** indicated that the ***er has been resolved to his satisfaction

Complaint: [redacted]
I am rejecting this response because: My husband has been in contact with [redacted] and she was suppose to call him about a Vacated Judgement deal and have yet to receive a call back from her. She stated that she would call once the Revdex.com reply was done on her end. Its been 2 days since the your reply and have not gotten a call. Called 2/26 with the number she gave to contact her. She does not have a voicemail and the line continuously rings
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/08/03) */
In response to [redacted]'s complaint, we have attached a verification of this account. To help her better understand this specific account, it may help her to know the sub-original creditor was [redacted]
Our office has never received...

correspondence previously from [redacted] as she states in her complaint. We have never seen any paid receipt and she has not called the office to discuss that it has been paid previously. This complaint is the first we have heard of the allegation it has been paid to [redacted] in September of 2014. We would request she send a copy of these documents showing it was paid previously so we may review it. She may fax it to XXX-XXX-XXXX, email it to [redacted] at [redacted]@lowerylawgroup.com or mail it to [redacted] XXXXX.
Pursuant to her request, we have marked her account as "do not call." Once we have reviewed her paperwork, we will write to her letting her know our decision if it has been paid previously. We look forward to working with her to resolve this matter amicably.
Initial Consumer Rebuttal /* (3000, 7, 2015/08/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I reached out to [redacted] via the email address she provided for P. Scott Lowery services and forwarded the payment information I have showing the account satisfied and paid in full. Since the info I provide would be public through Revdex.com, I opted to forward to her directly. Hopefully she will review the info and we can reach an agreement. The email was sent today, 8/4/15, and I look forward to her acknowledgement of receipt of info and a speedy resolution.
Final Consumer Response /* (4200, 20, 2015/09/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Once again, I will stress that I am NOT corresponding directly to this company because of the unprofessional rude misconduct of the service reps. I will continue though the Revdex.com process and if a resolution cannot be obtained, I will move forward with a civil complaint and through the [redacted] I have once again attached the [redacted] document that has been submitted numerous times with my responses through Revdex.com and via mail service and fax, each time being told it's not received or legible. The account I paid through [redacted] partially then paid off through [redacted] is the same as P. Scott Lowry's account [redacted] That is glaringly obvious. And still to date, I have yet to receive a response from Lowry's to verify/confirm this debt, only a multi page document from the company with signatures from their offices. I am still requesting the proof/verification of this debt since Lowry's has not provided it yet, as I know my legal consumer rights that this company must be able to provide this. Still waiting...
Final Business Response /* (4000, 22, 2015/09/11) */
[redacted]'s additional documents and the credit card statements that recently arrived from the original creditor, we have a theory as to what happened on her [redacted] account. The credit card statements that were received from the original creditor are attached to this response for [redacted]'s review. The information from the original creditor provides the last paid date as May 25, 2012 and a last paid amount of $57.00. This approximately matches [redacted]'s [redacted] of [redacted] which lists the last payment to [redacted] on May 24, 2012 and [redacted] paid $57.00. However, [redacted]'s [redacted] account in May of 2012 had a minimum monthly payment due of $338.00 and a total balance due of $1,411.55. It does not appear [redacted] or [redacted] paid any other money to this [redacted] account after May 24, 2012. This account was charged off on July 2, 2012 for $1,232.16. The account number for the [redacted] card as provided on the statements attached is XXXXXXXXXXXXXXXX. This is the account number we provided previously to [redacted] as the account number we are attempting to collect on from the original creditor which also matches the number from her [redacted] records. This account number is not the same at [redacted] account number XXXXXXXXXXXXXXXX. As always, [redacted] is welcome to discuss her account with our office at any time if she wishes to resolve this matter. Please contact us at XXX-XXX-XXXX.

P. Scott Lowery, P.C. (“Lowery”) is a law firm engaged in debt collection.  At Lowery, we strive to negotiate debt settlements that are fair to both the consumer and our client.  In some cases, peoples’ notions of fairness differ.  If a party is seeking a balance reduction, we do our...

best to protect our client’s interest by ensuring that the balance reduction is warranted.  This requires due diligence, which often means that we will request financial information from consumers that are seeking a hardship balance reduction.  Whether the consumer provides this information is completely at their discretion, just like it is completely discretionary for our client to agree to reduce the balance, even if part of that balance is composed of interest.  Lowery would be more than happy to evaluate your financial circumstances for a hardship reduction after we receive requested information.  Lowery routinely negotiates settlements for amounts less than the full balance if there are persuasive justifications to do so.  In absence of that, we would certainly welcome any payments on any account.  We are looking forward to resolving your issue.

Complaint: [redacted]
I am rejecting this response because: the company is not interested in negotiations, only exploitation. Also, the company broke the law be discussing my mothers case with someone other than my mother or me.
Sincerely,
[redacted]

Ms. [redacted]'s complaint relates to a civil action that was filed in Arapahoe County Court.  Ms. [redacted] did contact our office following service of the complaint and summons and payment arrangements were agreed upon.  Because it was necessary to initiate suit, our office informed her that she...

would need to pay court costs and attorney's fees related to the civil action.  An arrangement was made and a stipulation for judgment was prepared that detailed the terms of the payment arrangement, including payment of court costs and attorney's fees related to the lawsuit.  The stipulation was sent to Ms. [redacted] for signature on July 8, 2014 and the cover letter specifically indicated that the signed stipulation must be received in our office by July 22, 2014 or the arrangement would be null and void.  The stipulation was never returned to our office for filing with the court.  At the return date on August 11, 2014, Ms. [redacted] did not appear and a default judgment was obtained for the same amount as set forth in the stipulation for judgment, which included court costs and attorney's fees.  Ms. [redacted] and her husband have been in contact with our office since the filing of her complaint with the Revdex.com and we are working with the [redacted]s to resolve the remaining balance.  [redacted] 
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]   [redacted]
[redacted]  [redacted]  [redacted]
[redacted]  [redacted]
[redacted]  [redacted]
[redacted]  [redacted]
[redacted] licensed in CO, NE and WY