Waters & Associates

Revdex.com spoke with the owner of the business who gave the following response:
He said that the restaurant contacted him to collect this debt when the check was returned, and that he sent a letter which is standard for the
industry, and is in compliance with applicable federal debt collection lawsHe said that is unsure why she didn't receive a notice from her bank informing her of the returned check and that she should have been aware of the returned check prior to receiving his letterHe did receive phone calls from her, but that she paid the restaurant directly after calling, and he considered the issue resolvedHe said that he has another location in Richmond that he works out of, and that when he is out of the office, he does padlock the door when he is not at that locationHe also stated that the reason he does not have a sign is that he doesn't want to make himself vulnerable to people by advertising that he collects money, as he is located in a part of town where he could be made vulnerable by advertising thatHe stated that he acted in accordance with standard debt collection practices and he is in compliance with federal debt collection laws

Revdex.com spoke with the owner of the business who gave the following response: He said that the restaurant contacted him to collect this debt when the check was returned, and that he sent a letter which is standard for the industry, and is in compliance with applicable federal debt collection lawsHe
said that is unsure why she didn't receive a notice from her bank informing her of the returned check and that she should have been aware of the returned check prior to receiving his letterHe did receive phone calls from her, but that she paid the restaurant directly after calling, and he considered the issue resolvedHe said that he has another location in Richmond that he works out of, and that when he is out of the office, he does padlock the door when he is not at that locationHe also stated that the reason he does not have a sign is that he doesn't want to make himself vulnerable to people by advertising that he collects money, as he is located in a part of town where he could be made vulnerable by advertising thatHe stated that he acted in accordance with standard debt collection practices and he is in compliance with federal debt collection laws

Review: I had a check to a restaurant (for circumstances beyond my control) returned. Instead of calling me this restaurant submitted my check to John F W[redacted] of Waters & Associates. I was unaware that the check was returned until I received a VERY nasty threatening letter from this John W[redacted]. First contact and he was threatening legal action. I proceeded to try to reach him by phone for 2 days in which I received a "this century link voicemail is full" message. I decided I would go by the "office" to pay the amount of the check. When I finally found the address in which he was supposed to be at, there was no indicator that this was actually Waters & Associates but it was the correct physical address. There was no business name anywhere and the very small building looked as though it was abandoned and there was a pad lock on the door. In this man's threatening letter he stated to mail him cash, money order or cashiers check. I was uncomfortable mailing untraceable funds to this "company" since I had never heard of them. He also said do not pay the store. I did anyway because of the circumstances. The restaurant apologized and told me paying them directly was ok due to the circumstances.I tried to find a website but there is none. He is virtually unreachable.Desired Settlement: I want my check that he is in possession of returned to me. He should be out of business. This is a very shady operation. The letter has a PO Box listed but the physical address is 714 Rose Hill Dr. Charlottesville VA 22903. I believe he should be out of business since he is running a very shady operation and he is unreachable. I want a letter stating that this debt has been cleared since the restaurant was paid in full on 2/25/16.

Business

Response:

Revdex.com spoke with the owner of the business who gave the following response: He said that the restaurant contacted him to collect this debt when the check was returned, and that he sent a letter which is standard for the industry, and is in compliance with applicable federal debt collection laws. He said that is unsure why she didn't receive a notice from her bank informing her of the returned check and that she should have been aware of the returned check prior to receiving his letter. He did receive phone calls from her, but that she paid the restaurant directly after calling, and he considered the issue resolved. He said that he has another location in Richmond that he works out of, and that when he is out of the office, he does padlock the door when he is not at that location. He also stated that the reason he does not have a sign is that he doesn't want to make himself vulnerable to people by advertising that he collects money, as he is located in a part of town where he could be made vulnerable by advertising that. He stated that he acted in accordance with standard debt collection practices and he is in compliance with federal debt collection laws.