Williams Excavating & Trading, Inc.

Dear *** ***, Please be advised that SRA Associates, Inctakes complaints seriously and that we follow all applicable State and Federal laws when attempting to collect from consumersAfter conducting an internal investigation, we have concluded the following: ***
*** Financial placed this account in our office for collection on November 15, SRA Associates tried to contact *** *** *** from a period of November 20, to March 8, SRA Associates reached a man who originally identified himself as *** *** on November 30, regarding the present balance owed to *** *** *** in the amount of $9,However, we were unable to let him know of the matter since he did not complete the authentication piece to ensure we are not divulging the matter to a third party; he ended the call On January 16, 2018, *** *** called into our office and spoke to one of our representatives, MsLuann S*We made him aware of the matterHe claims he was waiting on a call from the client, and that is why he didn’t pay itHe said that the client supposedly had a re-affirmation paperHe does not remember signing itThe representative said she would have her manager send an email to the client to look into the matter and received consent from *** *** to call and leave messages We contacted our client *** *** ***, who stated they did not have a copy of this on file, but that the consumer would retain a copy from the attorney they used in bankruptcy On January 23, 2018, our representative MsS***, spoke to *** *** and let him know that he will need to retain a copy of the re-affirmation agreement from his attorney, and that his attorney will know how to guide himShe said if his attorney tells him he owes it we have options, but that our representative did want to discuss that right now until she knows that is the case On January 23, 2018, *** *** called into our office and spoke to our representative MsS***His attorney said the re-affirmation is in the system, but the attorney claims that if the client does not have it, they cannot collect itMsS*** said she is not an attorney so she cannot speak to it, but that we will contact the client again in the morning On January 29, 2018, *** *** *** replied that after speaking to their own bankruptcy department that the information provided by the consumer’s attorney is untrueWhen *** *** signed the agreement, his attorney should of provided him with a copyThis copy of the agreement has no bearing on collection of the balance On January 29, 2018, our representative MsS*** spoke to *** ***She let him know that when he signed the re-affirmation agreement that his attorney should have supplied him with a copyThe consumer claims without them having it, he said they can’t prove it is a collectible debtAlthough we tried to let him know that his attorney should have provided it, *** *** stood firm that he would not pay it without proof On March 8, 2018, we received a call from a man who claims this number belongs to an attorney’s office and that he will file suitHe said he does not know the person and was assigned to someone elseWe told him it was a wrong number and that we did not know it was a wrong number, but the man said it does not matter and ended the call on our representativeThis number was removed following the call On March 9, 2018, we received the complaint from your office and placed the account in a “Hold” status, and will remain there until the matter is resolved On March 12, 2018, we received copy of the reaffirmation of agreement which will be sent to the consumer After reading the nature of the complaint provided by your office, we have concluded the following: Unfortunately the consumer is not able to understand that he signed the re-affirmation agreement, and therefore was obligated to repay the balance owed to *** *** Finance in the amount of $9,SRA associates acted accordingly, following all consumer lawsWe disagree that he is not aware that the debt is valid as he confirmed through his attorney, that the re-affirmation agreement is in the system so it does existIn addition, a bankruptcy is public record and the reaffirmation of debt was obtained to provide to the consumerOn the very first call we received consent from *** *** to call and leave messagesWe disagree with *** ***’s claims that he left a message several days later after initial contact to only communicate with him writingOur first contact with Mr*** was on November 30, He then contacted us on January 16, 2018, followed by calls with him on January 23, (twice) and another call on January 29, During none of these calls did he speak to communication in writing only, but only a desire to resolve the matterWe disagree with *** *** that we have called his family and friendsWe have had no contact with anyone identifying themselves as family or friendsThe only other person we spoke to was an inbound call on March 8, 2018, from a man who claimed no association with *** ***, in which we removed the number promptly after the call Finally, based upon the nature of these findings, we ask that this complaint be removed from your records, since SRA Associates, acted appropriately, and the nature of the complaint is the consumer’s claims that he does not owe the balance since he does not have a copy of the re-affirmation agreement from *** *** Finance as basis of paying the debt, although confirmation exists via his own attorney that it does exist and that a copy should have been provided to him from his counselThe consumer accepted the re-affirmation of agreement on August 11, SRA Associates tried to assist the consumer in understanding this matter, and should he decide to address the balance, SRA Associates would be happy to assist him in doing soThe account will remain in a “Hold” status until we have sent the reaffirmation agreement documentation to himAlthough we have received no request for “writing” communication only prior to this complaint, we will honor his request and only communicate in writing unless *** *** rescinds this demand Sincerely, Christopher O*** Chief Compliance Officer SRA Associates, LLC

To whom it may concern:     In response to this complaint, I wanted to respond to what was stated here.  SRA Associates does not report to any credit bureau.  We do not currently even have the capability of doing so.  Therefore, we are not reporting this...

individual as is described in this complaint.  Kindly remove this compliant from our record as it is inaccurate.     If I can be of further assistance, please don't hesitate to contact me.Thanks  [redacted]SRA Associates###-###-####

SRA Associates takes all complaints seriously and investigated the matter. The result of our investigation showed: 1) SRA Associates received an inbound call from [redacted] on December 9, 2016 in which he spoke to Mr. Ron H[redacted] from the PPA department. They went over...

the arrangement of $300.00 per month and a final payment of $153.32. Mr.H[redacted] reviewed with him that the payments were increased to $300.00 per month due to [redacted] stating that his retirement had started. 3) [redacted] then stated to Mr. H[redacted] that the payments would need to be changed going forward due to a new personal increase in personal bills, in which Mr. H[redacted] stated he had no issue with him doing that. The balance at this time was $753.32. [redacted] stated to do $200.00 per month and at this time, Mr. H[redacted] notified payment handling to pull back the existing post dated checks and placed [redacted] on hold to accomplish this for him. 4). Mr. H[redacted] let him know that it would be three payments of $200.00 and a final payment of $53.32. 5) Mr. H[redacted] should have let [redacted] know that the final payment should have been for $153.32. 6) On March 10, 2017, [redacted] called into our office stating that he did not want to pay the remaining $100.00 do to the fact that we miscalculated it and that he should only pay the $53.32.     Mistakes can happen from time to time to which can fall in the favor of the consumer. This does not mean that the consumer is entitled to pay less than what was legitimately owed. While SRA Associates admits that we asked for $100.00 less than what the consumer owes to our client during the March 10, 2017 call, [redacted] was not overcharged and does owe the difference on the account, and as of March 13, 2017, presently still owes a remaining balance of $153.32. SRA Associates accommodated the consumer in changing the arrangement to better suit his personal needs, and in the changing of the original arrangement which contained a final payment of $153.32, an oversight occurred to ask for the correct amount in the final payment when things were re-worked for the consumer's convenience. Therefore SRA Associates asks that this complaint be removed, as the consumer legitimately owes the remaining balance, and no consumer laws were violated.