Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Moneytree Inc
State: WA

Complaint narrative:
Subject : URGENT : Request for Debt Forgiveness/Hardship Consideration - Account : XXXX XXXX XXXX XX/XX/XXXX Dear Money Tree PO XXXX XXXX XXXX  XXXX I am writing regarding the outstanding balance of {$220.00} on account number XXXX for services rendered of the year XXXX I acknowledge that a lawyer representing me has contacted you previously regarding this matter. I am now writing to you directly to provide a comprehensive explanation of the extreme and permanent hardship that makes payment impossible.

1. Explanation of Vulnerability and Permanent Hardship The Consumer is a vulnerable adult with a neurodivergent mind and sensory processing challenges that severely limit their capacity to engage in substantial gainful activity in the workplace. This vulnerability is directly tied to a recognized XXXX status : * XXXX XXXX : Due to the nature of this XXXX, including issues with sensory overload in typical work environments, the Consumer faces systemic barriers to employment. Despite sincere attempts, including hiring professional job assistance, the majority of employers pass on hiring individuals with these specific needs.

* Income Status : As a result of this permanent inability to sustain employment, my only source of income is through Social Security benefits. I am on a severely limited and fixed income that is legally designated to cover basic necessities only.

2. Inability to Pay and Request for Forgiveness It is true that I owe this debt, and I would love to fulfill this obligation. However, the reality of my financial status is this : I am unable to pay the debt without compromising my basic health and housing security. My income is fixed, minimal, and will not improve.

Attempting to collect this debt against a person whose income is Social Security and who faces these permanent challenges constitutes collection against a vulnerable customer who is experiencing permanent financial hardship.

Therefore, to resolve this matter compassionately and permanently, I formally request that you : * Grant Full Debt Forgiveness and write off the outstanding balance of XXXX. 

* I understand that you have already Stop all collection activity and now I would like you to confirm that this debt will not be sold or transferred to any third-party debt collector.

* Confirm in writing that the debt has been fully forgiven and that my credit file will not be adversely affected.

3. Documentation and Proof of Status To support this claim of permanent disability and financial hardship, I can provide you with : * Accurate, Up-to-Date Documentation of my Social Security status below.

* Supporting evidence of my fixed, limited income I urge you to consider the consumer protection guidelines surrounding vulnerable adults and recognize that continued pursuit of this debt is futile and harmful. I look forward to your prompt response and confirmation of full debt forgiveness within [ 14 or 30 ] days of the date of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WA ID XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation