Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ID

Complaint narrative:
Email Received XX/XX/2020 Case File # : XXXX Legal Charges-Section 19 ( A ), Clause 21 ( US ).

Case Format- Fair Debt Collection Act 811 ( FC/SC ) Original Creditor Company ACE cash Financial Group Inc . 
Total Due Balance : {$1000.00} Dear : **, Settlement Amount : {$750.00} for Today or two payments of {$510.00} from Today. 


This is our official notice to you regarding the due payment and requires your immediate attention. 

This letter is to notify you that we have received a Summons of Garnishment on your wages. This means that someone you owe money to has been awarded a judgment by the court for payment of the debt. The court has ordered us your employer to deduct 25-30 % percent of your disposable earnings and make payment to the  court on your behalf. 

This is an important letter and requires your immediate attention. Despite sending you several reminders, we have received no response from you about your seriously past due account. We feel we have given you ample time and have been more than patient with you. Therefore, we feel there is no other recourse but to write this debt off of our books by reporting it as a bad-debt loss to the I.R.S. Through a 1099-C filing. You can avoid this by remitting payment today for the full amount due. 

At XXXX, our top priorities are the health and safety of our employees, customers, and their families. As the COVID-19 (  coronavirus ) situation continues to evolve, we are doing all we can to help you protect your credit during this unprecedented time. While your health and welfare are top priorities, you may also be concerned about how current economic conditions might affect your  financial situation. We encourage you to be proactive in monitoring your credit, staying on top of your personal finances, and using resources that may be available to you. 

The companies at ground zero of the COVID-19 outbreak provide insight into what works in a time of crisis. We will provide you the minimum settlement amount in order to settle this matter excluding the late fine fee and rate of interest. 

If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench by jury then you have to bear a lawsuit, which will be amounting to {$1000.00} and we are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount. 

If you have any questions about the garnishment, you should contact the persons named on the included Summons of Garnishment by email. 

Please reach out to us immediately if you would like to set up a repayment plan. 

I just want your final answer on whether you are going to make the payment today. Just answer me Yes or No. 

So that I can move on to the further steps on the base of your reply. 

It is an extremely time sensitive matter so reply me back immediately with your final answer so I can put a remark on your case file. 

If you have any questions or wish to discuss this matter, please Email us the undersigned immediately Thank You. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
Collection Agency/Legal Counsel, Settlement Team

Company response to consumer: Closed with explanation