Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carmichael & Frost LLC
State: AZ

Complaint narrative:
Notice Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Creditor : XXXX XXXX Account Number : XXXX File Number : XXXX Balance Due : {$0.00} Dear XXXX XXXX XXXX XXXX Please be advised that we have received your payment for the above referenced account. We have notified our client of receipt and the account is considered settlement in full.

Please be advised that if your payment is nullified for any reason, this settled in full status will also become null and void. Please do not hesitate to contact our office should you have any questions or concerns.

Please be advised that our financial advisors may contact you in the near future to assist with resolving and negotiating with other creditors. For more information please dont hesitate to contact our office. It was a pleasure assisting you with your account. Please submit a review for your agent to the following link https : XXXX. 
Sincerely, XXXX XXXX XXXX XXXX Please make sure funds are available on the due date. Failure to have the funds available or if your payment is rejected or returned by your financial institution could result in your arrangement being forfeited.

A {$25.00} fee will apply to all payments rejected or returned by your financial institution.

We will issue you a release letter seven days after your payment posts to your account.

This is an attempt to collect a debt, and any information obtained will be used for that purpose.

This communication is from a debt collector. 
| XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX| XXXX. XXXX Fax XXXXXXXX | Website XXXX XXXX  HOURS OF OPERATION ARE : MONDAY FRIDAY XXXX XXXX EST AND SATURDAY XXXX XXXX XXXX EST Above is the company in XXXX which I paid my debt to bitty advance in full - they then resold the same debt to a new attorney who is threatening to come seize my property. Below is the most recent communication that they sent me : RE : UCC-LIEN ENFORCEMENT NOTICE / ACTION REQUIRED Creditor : XXXX XXXX Case # : XXXX Debtor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$11000.00} ( USD ) XXXX XXXX XXXX, This communication will serve as formal notice that Carmichael & Frost has been contracted to proceed with escalated recovery actions including UCC Lien Enforcement and all available legal remedies against the above listed Debtor in order to recoup the balance of {$11000.00}. 

With respect to the security interest pledged, Carmichael & Frost has also been hired to conduct a formal solvency investigation to locate the collateralized assets of the above listed debtor and individual guarantor in order to prepare our client their best options for liquidation remedies under Article-9 of the Uniform Commercial Code.

PLEASE NOTE : Actions taken during this investigation may include but are not limited to contacting state regulatory and licensing agencies, banking and financial institutions, vendor and trade references, landlords, local county clerk and assessor office. Additionally, given the size and nature of the claim, a field investigator or member of our recovery team may be dispatched to the business or residence of the Guarantor to execute an onsite location of assets.

* * ATTENTION REQUIRED * * Should you wish to avoid scheduled enforcement action ( s ) Please have you or your attorney contact our UCC Lien Department ( below ) to discuss voluntary payment, forfeiture of assets and/or collateral surrender at the residence within 72 hours of this notice. 

Contact : XXXX XXXX UCC Lien Department, Carmichael & Frost Telephone : XXXX Email : XXXX Understand that in the event of a lack of response, we will be forced to assume you are unwilling to address the matter voluntarily and thus expedite the investigative recovery process and UCC Lien Enforcement.

______ RE : UCC-LIEN ENFORCEMENT NOTICE / ACTION REQUIRED Creditor XXXX XXXX XXXX Case # : XXXX Debtor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX : {$11000.00} ( USD ) XXXX XXXX XXXX, This communication will serve as formal notice that Carmichael & Frost has been contracted to proceed with escalated recovery actions including UCC Lien Enforcement and all available legal remedies against the above listed Debtor in order to recoup the balance of {$11000.00}.

With respect to the security interest pledged, Carmichael & Frost has also been hired to conduct a formal solvency investigation to locate the collateralized assets of the above listed debtor and individual guarantor in order to prepare our client their best options for liquidation remedies under Article-9 of the Uniform Commercial Code.

PLEASE NOTE : Actions taken during this investigation may include but are not limited to contacting state regulatory and licensing agencies, banking and financial institutions, vendor and trade references, landlords, local county clerk and assessor office. Additionally, given the size and nature of the claim, a field investigator or member of our recovery team may be dispatched to the business or residence of the Guarantor to execute an onsite location of assets.

* * ATTENTION REQUIRED * * Should you wish to avoid scheduled enforcement action ( s ) Please have you or your attorney contact our UCC Lien Department ( below ) to discuss voluntary payment, forfeiture of assets and/or collateral surrender at the residence within 72 hours of this notice. 

Contact : XXXX XXXX XXXX XXXX Department, Carmichael & Frost Telephone : XXXX Email : XXXX Understand that in the event of a lack of response, we will be forced to assume you are unwilling to address the matter voluntarily and thus expedite the investigative recovery process and UCC Lien Enforcement.

Company response to consumer: Closed with explanation