Through review of our firm’s notes, the consumer’s account was placed in our office for the purpose of collection and legal remedy by the original creditor, Equable Ascent Financial (EAF) on October 24, 2012. Cavalry Portfolio Services subsequently purchased this account from EAF. CIR,... Law Offices has not purchased this debt nor is the rightful owner of this account. CIR, Law Offices is a law firm specializing in the area of debt collection on behalf of its clients. On October 24, 2012 our office sent a validation letter via mail which stated that this account had been placed in our office and that the consumer had thirty (30) days to dispute the debt and/or request further validation of the debt. Our office did not receive a response within the 30 day period, thus, CIR Law Offices continued the statutory collections activity. Despite the multiple efforts our office has made to contact [redacted] in an attempt to collect and settle this matter, all results have returned unsuccessful with no response from the consumer in regards to this account. Consequently, our law office obtained a valid judgment on our client’s behalf on October 25, 2013, with a prejudgment interest of $676.31 and court costs of $435. The judgment awarded by the [redacted] Superior Court allows an annual interest rate of 10% of the judgment amount, which continues to accrue on a daily basis. In addition, due to [redacted] ’s failure to answer and make any payments whatsoever, our law office continues to incur court expenses in order to provide our client with legal remedy. Furthermore, [redacted] has received several settlement offers in which our client has agreed to forgive a portion of his debt. The settlement offers will reflect a lower amount of the balance due. However, once that letter expires, he is no longer privy to that settlement privilege, unless otherwise extended. Therefore, CIR, Law Offices has not violated the FDCPA through unfair, abusive, or deceptive practices and has fully complied with the applicable regulatory state of federal laws. In addition, [redacted] is not entitled to the judgment interest rate that continues to accrue which he is demanding as restitution. Should [redacted] wish to contact our office, he is more than welcome to contact [redacted] *** or [redacted] at [redacted] to resolve this matter.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.First of all, I never recieved this stateded validation letter,for if I had, I would have,responded.I have never had an account with Equable Ascent Financial or CalvaryPortableI think CIR Law office, uses law to scam people. CIR never explained, how they can can charge me or anyone in daysI dispute the vaiidity of thier claim
Regards,
*** ***
In response
to [redacted]’s dissatisfaction/rejection to the response that our firm has
provided, we reviewed our notes once again and have confirmed that the correspondence
concerning this matter was sent to the consumer’s address provided on his Revdex.com
complaint. Therefore, our law office is not at fault for his alleged failure to
receive the documents. Furthermore, our law office has proven to the court that
the Summons and Complaint were appropriately served and that the matter in
question is valid, thus obtaining a judgment on our client’s behalf. In
addition, the California civil legal system allows every Defendant reasonable
time to answer to the Summons and Complaint, which we received none for this
matter.
As stated on our original response,
the [redacted] Superior Court awarded our client a valid judgment on October
25, 2013, which allows an annual interest rate of 10% of the judgment amount. The
judgment amount is $12,131.70 and is accruing a daily interest of $3.37. From
the date the judgment was obtained until the date of the letter he received,
February 11, 2015, there are 474 days. This totals an accrued interest of
$1,597.38. The total balance due is the judgment amount plus the interest
accrued until that date, which sums to $13,729.08. If anything, [redacted]
received a letter for a lower balance than what should be owed to our client.
Therefore, our law office continues to contend that he is not entitled to the
judgment interest rate that continues to accrue which he is demanding as
restitution.
For the aforementioned reasons,
CIR, Law Offices has not violated the FDCPA through unfair, abusive, or
deceptive practices and has fully complied with the applicable regulatory state
of federal laws.
Should [redacted] wish to discuss further details of the EAF/Cavalry Portfolio Services
account and the line of credit to which it pertains, he is more than welcome to
contact [redacted] or [redacted] at [redacted] to resolve this matter.
Through review of our firm’s notes, the consumer’s account
was placed in our office for the purpose of collection and legal remedy by the
original creditor, Equable Ascent Financial (EAF) on October 24, 2012. Cavalry Portfolio Services subsequently
purchased this account from EAF. CIR,...
Law Offices has not purchased this debt
nor is the rightful owner of this account.
CIR, Law Offices is a law firm specializing in the area of debt
collection on behalf of its clients.
On October
24, 2012 our office sent a validation letter via mail which stated that this
account had been placed in our office and that the consumer had thirty (30)
days to dispute the debt and/or request further validation of the debt. Our
office did not receive a response within the 30 day period, thus, CIR Law
Offices continued the statutory collections activity. Despite the multiple
efforts our office has made to contact [redacted] in an attempt to collect
and settle this matter, all results have returned unsuccessful with no response
from the consumer in regards to this account.
Consequently, our law office
obtained a valid judgment on our client’s behalf on October 25, 2013, with a
prejudgment interest of $676.31 and court costs of $435. The judgment awarded
by the [redacted] Superior Court allows an annual interest rate of 10% of the
judgment amount, which continues to accrue on a daily basis. In addition, due
to [redacted]’s failure to answer and make any payments whatsoever, our law office
continues to incur court expenses in order to provide our client with legal
remedy. Furthermore, [redacted] has received several settlement offers in which
our client has agreed to forgive a portion of his debt. The settlement offers
will reflect a lower amount of the balance due. However, once that letter
expires, he is no longer privy to that settlement privilege, unless otherwise
extended.
Therefore, CIR, Law Offices has not
violated the FDCPA through unfair, abusive, or deceptive practices and has
fully complied with the applicable regulatory state of federal laws. In
addition, [redacted] is not entitled to the judgment interest rate that
continues to accrue which he is demanding as restitution.
Should [redacted] wish to contact our office, he is more than welcome to contact [redacted] or [redacted] at [redacted] to resolve this matter.
Through review of our firm’s notes, the consumer’s account was placed in our office for the purpose of collection and legal remedy by the original creditor, Equable Ascent Financial (EAF) on October 24, 2012. Cavalry Portfolio Services subsequently purchased this account from EAF. CIR,... Law Offices has not purchased this debt nor is the rightful owner of this account. CIR, Law Offices is a law firm specializing in the area of debt collection on behalf of its clients. On October 24, 2012 our office sent a validation letter via mail which stated that this account had been placed in our office and that the consumer had thirty (30) days to dispute the debt and/or request further validation of the debt. Our office did not receive a response within the 30 day period, thus, CIR Law Offices continued the statutory collections activity. Despite the multiple efforts our office has made to contact [redacted] in an attempt to collect and settle this matter, all results have returned unsuccessful with no response from the consumer in regards to this account. Consequently, our law office obtained a valid judgment on our client’s behalf on October 25, 2013, with a prejudgment interest of $676.31 and court costs of $435. The judgment awarded by the [redacted] Superior Court allows an annual interest rate of 10% of the judgment amount, which continues to accrue on a daily basis. In addition, due to [redacted] ’s failure to answer and make any payments whatsoever, our law office continues to incur court expenses in order to provide our client with legal remedy. Furthermore, [redacted] has received several settlement offers in which our client has agreed to forgive a portion of his debt. The settlement offers will reflect a lower amount of the balance due. However, once that letter expires, he is no longer privy to that settlement privilege, unless otherwise extended. Therefore, CIR, Law Offices has not violated the FDCPA through unfair, abusive, or deceptive practices and has fully complied with the applicable regulatory state of federal laws. In addition, [redacted] is not entitled to the judgment interest rate that continues to accrue which he is demanding as restitution. Should [redacted] wish to contact our office, he is more than welcome to contact [redacted] *** or [redacted] at [redacted] to resolve this matter.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.First of all, I never recieved this stateded validation letter,for if I had, I would have,responded.I have never had an account with Equable Ascent Financial or CalvaryPortableI think CIR Law office, uses law to scam people. CIR never explained, how they can can charge me or anyone in daysI dispute the vaiidity of thier claim
Regards,
*** ***
In response
to [redacted]’s dissatisfaction/rejection to the response that our firm has
provided, we reviewed our notes once again and have confirmed that the correspondence
concerning this matter was sent to the consumer’s address provided on his Revdex.com
complaint. Therefore, our law office is not at fault for his alleged failure to
receive the documents. Furthermore, our law office has proven to the court that
the Summons and Complaint were appropriately served and that the matter in
question is valid, thus obtaining a judgment on our client’s behalf. In
addition, the California civil legal system allows every Defendant reasonable
time to answer to the Summons and Complaint, which we received none for this
matter.
As stated on our original response,
the [redacted] Superior Court awarded our client a valid judgment on October
25, 2013, which allows an annual interest rate of 10% of the judgment amount. The
judgment amount is $12,131.70 and is accruing a daily interest of $3.37. From
the date the judgment was obtained until the date of the letter he received,
February 11, 2015, there are 474 days. This totals an accrued interest of
$1,597.38. The total balance due is the judgment amount plus the interest
accrued until that date, which sums to $13,729.08. If anything, [redacted]
received a letter for a lower balance than what should be owed to our client.
Therefore, our law office continues to contend that he is not entitled to the
judgment interest rate that continues to accrue which he is demanding as
restitution.
For the aforementioned reasons,
CIR, Law Offices has not violated the FDCPA through unfair, abusive, or
deceptive practices and has fully complied with the applicable regulatory state
of federal laws.
Should [redacted] wish to discuss further details of the EAF/Cavalry Portfolio Services
account and the line of credit to which it pertains, he is more than welcome to
contact [redacted] or [redacted] at [redacted] to resolve this matter.
Through review of our firm’s notes, the consumer’s account
was placed in our office for the purpose of collection and legal remedy by the
original creditor, Equable Ascent Financial (EAF) on October 24, 2012. Cavalry Portfolio Services subsequently
purchased this account from EAF. CIR,...
Law Offices has not purchased this debt
nor is the rightful owner of this account.
CIR, Law Offices is a law firm specializing in the area of debt
collection on behalf of its clients.
On October
24, 2012 our office sent a validation letter via mail which stated that this
account had been placed in our office and that the consumer had thirty (30)
days to dispute the debt and/or request further validation of the debt. Our
office did not receive a response within the 30 day period, thus, CIR Law
Offices continued the statutory collections activity. Despite the multiple
efforts our office has made to contact [redacted] in an attempt to collect
and settle this matter, all results have returned unsuccessful with no response
from the consumer in regards to this account.
Consequently, our law office
obtained a valid judgment on our client’s behalf on October 25, 2013, with a
prejudgment interest of $676.31 and court costs of $435. The judgment awarded
by the [redacted] Superior Court allows an annual interest rate of 10% of the
judgment amount, which continues to accrue on a daily basis. In addition, due
to [redacted]’s failure to answer and make any payments whatsoever, our law office
continues to incur court expenses in order to provide our client with legal
remedy. Furthermore, [redacted] has received several settlement offers in which
our client has agreed to forgive a portion of his debt. The settlement offers
will reflect a lower amount of the balance due. However, once that letter
expires, he is no longer privy to that settlement privilege, unless otherwise
extended.
Therefore, CIR, Law Offices has not
violated the FDCPA through unfair, abusive, or deceptive practices and has
fully complied with the applicable regulatory state of federal laws. In
addition, [redacted] is not entitled to the judgment interest rate that
continues to accrue which he is demanding as restitution.
Should [redacted] wish to contact our office, he is more than welcome to contact [redacted] or [redacted] at [redacted] to resolve this matter.