Obviously, we have a serious disagreement of the facts and at this time, and calling names and making accusations about someone's character is not something I will get into in this forum The account information as Paid in Full has been sent to Equifax and Trans Union with our July 31, file upload We will rest on the facts of the court agreement for answers to the other accusations
To set the record straight: the consumer was served via restricted delivery of documents March 26, - so only she could have received the papers She did not reply or try to communicate with our office about her debts There are different accounts involved in the lawsuit that are unpaid, not one We have made dozens of attempts to communicate by mail and phone with the consumer over the years It is not the creditor's responsibility to keep address records current for debtors, and we cannot read people's minds as to where and when they move We finally got a good phone number May 12, and the consumer hung up on our collector We spoke again on January 8, and we were told the consumer was unemployed and could not make payments Trying to communicate again, we contacted the consumer again February 10, and she hung up on our employee again She called our office back on Feb12, and said she was unemployed and could not pay anything We called and spoke to her again March 24, and were told the same thing Over the next several years we did not hear from the consumer, but did receive more accounts for collection and tried to communicate via phone and mail, to no response.August 26, she called our office and acted like she had never heard from us, didn't know anything about the debt, and could not have lived where she was served She entered into a payment plan for $per month, then promptly asked to lower it to $per month, which we agreed to All of our payments plans are temporary for months and all consumers are told they need to communicate with our office after their 3rd payment and discuss their plan After her February payment was received, she did not call our office and a reminder letter was mailed March 22, She again refused to communicate with our office A garnishment has been issued to her employer.These debts have been owed for many years and at any time the consumer could have tried to pay them We communicated several times and at no time before was there any discussion she was not served legally Interest accrues at the legal rate allowed by law Unlike other creditors and collection agencies, all payments made to our office are applied to principle first, so making payments regularly will reduce the debt owed
Our records do not show someone who is willing to pay their bills in a timely manner Starting October 28, we received a voice mail indicating the consumer knew she owed bills and would be paying them This was after numerous notices and unanswered phone calls No payments were made until after the lawsuit had been filed in December The notes indicate several calls arguing over whether the consumer would or would not pay certain amounts and when These bills could have been paid long before they were assigned for collection they could have been paid for several months prior to the lawsuit was filed, and the consumer has confirmed knowing about them We have a payment plan for small amounts established for the consumer to get these paid, but the court fees will not be waived as it was up to the consumer to pay the bills in timely manner to avoid them
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meSincerely, [redacted]
After reviewing the files we have for Mr [redacted] it appears we made an error in communicating between collectors and the file notes This second file for him was inadvertently sent on to the legal department We will dismiss the case and a manager will contact Mr [redacted] today and let him know his current payment plan is acceptable and there will not be additional costs or fees incurred in this matter
Complaint: [redacted] I am rejecting this response because: I expect this rebuttal to be futileSOCS works to collect, not to give service to those collected fromIn that order, they are as good as any MafiaCongrats This response is insultingIt implies that all accounts they get are from deadbeats who are not paying what they owe to a creditorWe are not that type #SOCS has a record of the phone call wherein the SOCS person did indeed tell me to "just let the time window lapse and go into default and then we can negotiate the penalty" That is legal advice, and bad adviceSOCS defense is that it is not policy to do it, but it happenedAnd they know it We did agree for payments of $350/month that we paid for over two yearsWe requested statements, recorded by SOCS as "argue the balance due"Seems like the easy way to resolve a balance question is a statement of accountNone was renderedThree times was requested I did call to discuss the account and had a successful interaction, in 11/SOCS agreed to send a statement, since by my calculations we were near to a zero balanceNone cameI called back, and was told this time that since we had an attorney they could not talk directly to me, the debtorI did get a call back the next day that our account had been flagged as permissible to discuss with debtor directlyMistake acknowledged and apology acceptedThe account was flagged the entire time for direct communication Charges for phone calls: Since SOCS refused to talk to me despite our account being enabled for such, they required attorney involvement for even a balance inquiryTheir attorney is not cheap, and we did not find this out until punitive charges were added to our account as 'additional attorney fees', that we did not discover until we had hired a second attorney ourselvesSOCS did not charge for calls, they just deflected them to their attorney who did indeed chargeIn short, we 'got handled' by SOCS, and resent itI don't expect anything to come of this interaction, because SOCS is not my client, indeed, I am the adversaryWe paid a total of 2700+ in punitive chargesInterest and penalties were to be held in abeyance until or unless a default was made in paymentsTwo of the "argue about balances" phone calls were to find out why our balance kept going up despite paying $350/monthNow we know whyThey just declared default and added themThis is NOT about a court actionThis is arbitrary and slimeyI don't have the energy or cash to find out if it was legalWe gave a lump sum cash, whatever they said, plus my attorney fees, to get them to go away BTW my credit report is still not fixed, and this account is still shown in default, though we 'paid in full' well over a month agoSlimey company indeed Sincerely, [redacted] ***
There are a number of discrepancies between our records and Ms [redacted] complaint The account was placed for collection for patient [redacted] **on 3/4/ Ms [redacted] signed the contract for financial liability, which makes her additionally responsible for the debt Our employee spoke to Mr [redacted] 3/18/where he acknowledged the debt, did not dispute it, but said he was not in a financial position to make payments and needed to talk to his mom about it We made several attempts to talk again and finally spoke to him 5/2/where he again informed us he was a student with no income, lives on the east coast with his mom, but wanted to try to make payments At his request on 6/20/we sent an itemized statement of the debt He indicated he wanted to contact his insurance company and find out why they did not pay We again tried to follow up and finally spoke to him 8/21/where he again said he wanted to make payments but again needed to talk to his mom first We got a call from Ms [redacted] on 10/30/asking for us to again send documents so she can follow up with the insurance company Nothing ever happened and no further contact came from either party until 6/24/where once again Ms [redacted] wanted to know why the insurance company has not paid this and asked us about a possible settlement, which the employee gave an initial amount she could pay The account has since been disputed regarding credit reporting and validated according tot he FCRA Ms [redacted] called our office again asking for an itemized statement on 7/13/and asked us to ask the doctor to rebill insurance It has been years and neither debtor has done what they said in regards to contacting the insurance company even though we have sent the necessary documents to them The billing is not related to record retention, and has nothing to do with our office Ms [redacted] should be made aware that DrS [redacted] is deceased and closed his practice No one else has taken it over and he is not practicing in Florida as alleged If the patient had left a referring dentist on the financial forms all records were sent to that office when DrS [redacted] closed his operation If there was no other provider listed, records were put in storage by the trustee of the estate, Oregon Pacific Bank Since the insurance has been billed multiple times and the debt is well past time limitations, it is solely the responsibility of the debtor to get the insurance to pay at this date If they want to offer a settlement to pay the remainder of the debt and potentially have the debt removed from credit reporting, we are authorized to entertain such an offer No offer to settle and no payments have ever been made on this debt to date
Obviously, we have a serious disagreement of the facts and at this time, and calling names and making accusations about someone's character is not something I will get into in this forum The account information as Paid in Full has been sent to Equifax and Trans Union with our July 31, file upload We will rest on the facts of the court agreement for answers to the other accusations
To set the record straight: the consumer was served via restricted delivery of documents March 26, - so only she could have received the papers She did not reply or try to communicate with our office about her debts There are different accounts involved in the lawsuit that are unpaid, not one We have made dozens of attempts to communicate by mail and phone with the consumer over the years It is not the creditor's responsibility to keep address records current for debtors, and we cannot read people's minds as to where and when they move We finally got a good phone number May 12, and the consumer hung up on our collector We spoke again on January 8, and we were told the consumer was unemployed and could not make payments Trying to communicate again, we contacted the consumer again February 10, and she hung up on our employee again She called our office back on Feb12, and said she was unemployed and could not pay anything We called and spoke to her again March 24, and were told the same thing Over the next several years we did not hear from the consumer, but did receive more accounts for collection and tried to communicate via phone and mail, to no response.August 26, she called our office and acted like she had never heard from us, didn't know anything about the debt, and could not have lived where she was served She entered into a payment plan for $per month, then promptly asked to lower it to $per month, which we agreed to All of our payments plans are temporary for months and all consumers are told they need to communicate with our office after their 3rd payment and discuss their plan After her February payment was received, she did not call our office and a reminder letter was mailed March 22, She again refused to communicate with our office A garnishment has been issued to her employer.These debts have been owed for many years and at any time the consumer could have tried to pay them We communicated several times and at no time before was there any discussion she was not served legally Interest accrues at the legal rate allowed by law Unlike other creditors and collection agencies, all payments made to our office are applied to principle first, so making payments regularly will reduce the debt owed
Our records do not show someone who is willing to pay their bills in a timely manner Starting October 28, we received a voice mail indicating the consumer knew she owed bills and would be paying them This was after numerous notices and unanswered phone calls No payments were made until after the lawsuit had been filed in December The notes indicate several calls arguing over whether the consumer would or would not pay certain amounts and when These bills could have been paid long before they were assigned for collection they could have been paid for several months prior to the lawsuit was filed, and the consumer has confirmed knowing about them We have a payment plan for small amounts established for the consumer to get these paid, but the court fees will not be waived as it was up to the consumer to pay the bills in timely manner to avoid them
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meSincerely, [redacted]
After reviewing the files we have for Mr [redacted] it appears we made an error in communicating between collectors and the file notes This second file for him was inadvertently sent on to the legal department We will dismiss the case and a manager will contact Mr [redacted] today and let him know his current payment plan is acceptable and there will not be additional costs or fees incurred in this matter
Complaint: [redacted] I am rejecting this response because: I expect this rebuttal to be futileSOCS works to collect, not to give service to those collected fromIn that order, they are as good as any MafiaCongrats This response is insultingIt implies that all accounts they get are from deadbeats who are not paying what they owe to a creditorWe are not that type #SOCS has a record of the phone call wherein the SOCS person did indeed tell me to "just let the time window lapse and go into default and then we can negotiate the penalty" That is legal advice, and bad adviceSOCS defense is that it is not policy to do it, but it happenedAnd they know it We did agree for payments of $350/month that we paid for over two yearsWe requested statements, recorded by SOCS as "argue the balance due"Seems like the easy way to resolve a balance question is a statement of accountNone was renderedThree times was requested I did call to discuss the account and had a successful interaction, in 11/SOCS agreed to send a statement, since by my calculations we were near to a zero balanceNone cameI called back, and was told this time that since we had an attorney they could not talk directly to me, the debtorI did get a call back the next day that our account had been flagged as permissible to discuss with debtor directlyMistake acknowledged and apology acceptedThe account was flagged the entire time for direct communication Charges for phone calls: Since SOCS refused to talk to me despite our account being enabled for such, they required attorney involvement for even a balance inquiryTheir attorney is not cheap, and we did not find this out until punitive charges were added to our account as 'additional attorney fees', that we did not discover until we had hired a second attorney ourselvesSOCS did not charge for calls, they just deflected them to their attorney who did indeed chargeIn short, we 'got handled' by SOCS, and resent itI don't expect anything to come of this interaction, because SOCS is not my client, indeed, I am the adversaryWe paid a total of 2700+ in punitive chargesInterest and penalties were to be held in abeyance until or unless a default was made in paymentsTwo of the "argue about balances" phone calls were to find out why our balance kept going up despite paying $350/monthNow we know whyThey just declared default and added themThis is NOT about a court actionThis is arbitrary and slimeyI don't have the energy or cash to find out if it was legalWe gave a lump sum cash, whatever they said, plus my attorney fees, to get them to go away BTW my credit report is still not fixed, and this account is still shown in default, though we 'paid in full' well over a month agoSlimey company indeed Sincerely, [redacted] ***
There are a number of discrepancies between our records and Ms [redacted] complaint The account was placed for collection for patient [redacted] **on 3/4/ Ms [redacted] signed the contract for financial liability, which makes her additionally responsible for the debt Our employee spoke to Mr [redacted] 3/18/where he acknowledged the debt, did not dispute it, but said he was not in a financial position to make payments and needed to talk to his mom about it We made several attempts to talk again and finally spoke to him 5/2/where he again informed us he was a student with no income, lives on the east coast with his mom, but wanted to try to make payments At his request on 6/20/we sent an itemized statement of the debt He indicated he wanted to contact his insurance company and find out why they did not pay We again tried to follow up and finally spoke to him 8/21/where he again said he wanted to make payments but again needed to talk to his mom first We got a call from Ms [redacted] on 10/30/asking for us to again send documents so she can follow up with the insurance company Nothing ever happened and no further contact came from either party until 6/24/where once again Ms [redacted] wanted to know why the insurance company has not paid this and asked us about a possible settlement, which the employee gave an initial amount she could pay The account has since been disputed regarding credit reporting and validated according tot he FCRA Ms [redacted] called our office again asking for an itemized statement on 7/13/and asked us to ask the doctor to rebill insurance It has been years and neither debtor has done what they said in regards to contacting the insurance company even though we have sent the necessary documents to them The billing is not related to record retention, and has nothing to do with our office Ms [redacted] should be made aware that DrS [redacted] is deceased and closed his practice No one else has taken it over and he is not practicing in Florida as alleged If the patient had left a referring dentist on the financial forms all records were sent to that office when DrS [redacted] closed his operation If there was no other provider listed, records were put in storage by the trustee of the estate, Oregon Pacific Bank Since the insurance has been billed multiple times and the debt is well past time limitations, it is solely the responsibility of the debtor to get the insurance to pay at this date If they want to offer a settlement to pay the remainder of the debt and potentially have the debt removed from credit reporting, we are authorized to entertain such an offer No offer to settle and no payments have ever been made on this debt to date