PAID IN FULL, INC.

How often debts (awarded with judgment) actually get collected in full? Location: Philadelphia, PA I have just received an arbitration award which now needs to be docketed at my jurisdiction. From there a collection lawyer will need to pursue payment. My question is, how often do cases get paid in full once it goes to the collection stage? Also, when would it be appropriate to hire an investigator to determine what assets the debtor has? Finally, is this the job of the collection lawyer? Thank you in advance

On March 17th I was contacted via email, not phone or mail but email by Alliance Collection Agency for a medical bill with Atrium Health Wake Forest. I have never been contacted by email from a collections agency. On March 19th I took a screen shot and messaged billing through MyAtriumHealth to find out if it was legitimate or a scam. On April 9th they replied: Thank you for your e-mail inquiry. Atrium sends a total of 4 monthly invoices for patient payments for outstanding balances. Once the final notice has been issued, the balance must be paid in full or a formal monthly payment plan must be requested either on or before the due date indicated on the invoice to avoid collections. Once the account balance transitions to collections, it is no longer with Atrium and cannot be accessed via portal. Therefore, the system will indicate a zero balance. Please contact the collection agency,Alliance at 800-215-1547, to payoff the balance or request payment arrangements as the account is no longer with Atrium. The PDF attachment contains the itemized bill for your viewing. Should you have any further questions, please feel free to contact customer service at 704-512-7171. Thank you, Doris M. Patient Financial Services, Southeast Division Customer Service Digital Team Office: 704-512-7171 | Fax: 704.512.7511 Advocate Health Correspondence Mailing: PO Box 71108, Charlotte, NC 28272 I receive notifications through MyAtriumHealth and am fortunate enough to be able to pay the bills when they come. I never received notification online or by mail for this amount OR this date of service, (7/22/25). In addition, although it shows a zero balance online after 4 notices (A practice I think is predatory) All my past bills are listed there. The one that went to collections is not. In addition we were out of the country for the date of service in question. I have informed them I will not pay this bogus bill [BBB Scam Type: Fake Invoice/Supplier Bill] [Business: Atrium Health Wake Forest B

Rebecca Davis threatened to file suit against me for theft and to put a Lein on my home if I didn’t pay. This was a debt from 30 years ago if which Im sure paid in full [BBB Scam Type: Debt Collections] [Business: Lakeside Group Services] [Location: MI, USA - 48441]

I would rate this store zero stars if that were an option. I placed an order for clothing in October 2025, and now, six months later, I have received two fraudulent tracking notifications without any delivery of the product. Despite this, they are refusing to issue a full refund. Initially, they offered me 70% of the refund due to the unavailability of the item I never received, but I insisted on a complete refund since I had paid in full. They then informed me that they were handling numerous transactions and requested that I wait an additional 25 days for the refund. After that period, I have emailed them daily, only to receive generic responses. Now, after six months of this ordeal, I am left with no choice but to pursue a refund through my bank, as this site appears to be a scam. [BBB Scam Type: Online Purchase] [Business: Vashale] [Location: IN, USA - 47421]

A man called me from the phone number 8 times back to back. I answered and he said he was trying to serve me papers. He was aggressive and threatening. Then gave me a phone number (866-398-5239) and told me I needed to speak to a manager. He called 2 hours later before I had a chance to call the number he gave me because I was working. He was screaming in to the phone telling me to come out now with my hands up. Insinuating that he was an officer of the law and was commanding me. There was no person outside. I later called that number and was told that they could not provide me any paperwork regarding what the debt was, the amount, or anything until it was paid in full. Then they could give me a debt validation form. I said that I would not be doing anything until I received paperwork to confirm that the debt and company were valid. I think asked them about their “locator” and what papers he was trying to serve me if they couldn’t give me any information. She had no answer. Then I asked if the locator had any type of authority with the law. She said no that they were only a locator. I asked her to speak with the locator to let him know that his behavior was unacceptable and that if he kept calling me I would consider it harassment and seek legal counsel. She immediately said that they’d release the debt and hung up. [BBB Scam Type: Debt Collections] [Business: Unknown] [Location: AR, USA - 72205]

Afni, Subrogation, threatening to sue Location: Oregon In September of 2024 I was in a car accident involving another person. I was driving home through a green light (one way) and looked to my left (also a one way) to see another car about to hit me. we both claimed the light was green. I was very stupidly driving without insurance. I understand how ridiculous this was, at the time I had the typical nativity of a 22 year old who believed the worst wouldn’t happen to me until it did. I have paid the consequences since and will never make that mistake again. I am beyond thankful nobody was hurt. knowing I was wrongfully driving without it, I admitted fault to the officer. I don’t think he believed I was truly at fault because all of my tickets were dropped and he advised I obtain camera footage from the light. I tried doing so, but was basically told it would only be released to a lawyer. at that point I still owed 9k on my car which I paid off in full. I did not hire a lawyer, again under a naive belief that it wouldn’t be escalated. I received a letter from Afni working on behalf of progressive last summer claiming I owe 20k. I responded asking for evidence under the FDCPA- which I now understand they don’t work under. I received a letter back stating that I could instead pay a lump sum of 10k but only had a month to decide. I responded again reiterating that I did not have 10k, but was open to 3k. they did not respond for a year. they are contacting me again basically saying the same thing- they will reduce the 20k payment to 10k but only if paid in full. I attempted to negotiate the situation to which the man on the phone threatened to sue me instead. I called back later and had a way calmer person who again said my options were a payment plan on 20k or 10k lump sum. I again attempted to negotiate which he said goes against progressives guidelines and per those guidelines they will not lower the amount, nor would they accept payments on the discounted price and

[TX] Auto Insurance for Windshields LOCATION: TEXAS I am purchasing a car and have been told (by the dealership) that the windshield has a proprietary design with integrated electronics so only a branded dealership should do windshield replacements. They claim that a third party risks altering/damaging electronics like lane detection. [Note: Profit motive -- they are pushing a 5-year windshield warranty for $2100.] I have checked my insurance policy's comprehensive coverage which includes a zero deductible for glass repair and replacement. It is silent as to particulars on whether I can use a dealer and whether the dealer will be paid in full or if the insurance tries to cap payment at a "reasonable" amount as determined by what a third-party place like Safelite might charge. Nobody at the insurance company Claims Dept will answer my questions. Question: Given the vagueness of the policy particulars, where do I stand -- are they obligated to pay the full amount of a dealer windshield replacement should I need one? Also can they hide particulars of coverage under a "procedure", e.g. "Our procedure is to provide zero-cost windshield coverage only after you have had work done by one of our approved vendors."

Received over 20 letters in the mail from someone listed at PO Box 19595 Jacksonville, Fl claiming to be my mortgage lender. The letters demanded full payoff our our mortgage ($68,000) and said we would lose our house if not paid in full by a set date. I contacted my bank and was informed this is a SCAM! [BBB Scam Type: Phishing] [Business: Farmers National Bank - Mortgage Service Center] [Location: OH, USA - 44691]

paid insurance in full, now being charged months later due to “autopay discount” location: nyc hello everyone! i need some help with an insurance payment situation (ny). i paid my full annual of $5310 in august 1 2025 for a policy that starts on august 11, 2025. the payment was a manual, one-time payment for the full year. now in april-may im being told i owe $496 because they added an “autopay discount” to my policy and then removed it after 2 failed payment attempts. this doesn’t make sense to me because I already paid the entire premium in full before the policy even started. there was an initial charge for $101 labeled as "balance transfer". then another $395 as "policy change" my issue is- theyre also telling me the autopay was never actually added to my account. this confuses me: * i received an autopay discount * payments were “attempted and failed” * if autopay was never active in the first place also, i had already paid the entire premium upfront, so i don’t understand why any additional payments were attempted?? theyre also claiming they mailed me a bill that i hadn't received. i also didnt receive an email about a failed payment (which i dont get, because why are you trying to deduct money if ive already paid in full). the only place the bill showed up was in my online account, under bill statements, which i had no reason to check since I had already paid in full. this came to my attention on 04/18 when i got an email about an auto insurance bill and i called on 04/20 and was told if i filled out the autopay form my balance would be down to $0. timeline afterwards * 04/22: received autopay form (wouldn’t open, emailed back, no response) * 04/23: called again, form resent * 04/28: got confirmation the form was received (told 3–5 days processing) * 04/30: called again, now being told I still owe the $496 (theyre willing to bring it down to "some" amount- not sure what the "some" would be) i asked to speak to a supervisor and am waiting on a call

paid insurance in full, now being charged months later due to “autopay discount” location: nyc hello everyone! i need some help with an insurance payment situation (ny). i paid my full annual of $5310 in august 1 2025 for a policy that starts on august 11, 2025. the payment was a manual, one-time payment for the full year. now in april-may im being told i owe $496 because they added an “autopay discount” to my policy and then removed it after 2 failed payment attempts. this doesn’t make sense to me because I already paid the entire premium in full before the policy even started. my issue is- theyre also telling me the autopay was never actually added to my account. this confuses me: * i received an autopay discount * payments were “attempted and failed” * if autopay was never active in the first place also, i had already paid the entire premium upfront, so i don’t understand why any additional payments were attempted?? theyre also claiming they mailed me a bill that i hadn't received. i also didnt receive an email about a failed payment (which i dont get, because why are you trying to deduct money if ive already paid in full). the only place the bill showed up was in my online account, under bill statements, which i had no reason to check since I had already paid in full. this came to my attention on 04/18 when i got an email about an auto insurance bill and i called on 04/20 and was told if i filled out the autopay form my balance would be down to $0. timeline afterwards * 04/22: received autopay form (wouldn’t open, emailed back, no response) * 04/23: called again, form resent * 04/28: got confirmation the form was received (told 3–5 days processing) * 04/30: called again, now being told I still owe the $496 (theyre willing to bring it down to "some" amount- not sure what the "some" would be) i asked to speak to a supervisor and am waiting on a callback for 1-2 days. the bill is due on 05/11. is this normal? do I have a valid argument to dispute this?

?I hired this firm to provide architectural drawings and handle the permitting application at my property ?My complaint is based on professional negligence, failure to perform contractual duties after receiving full payment. ?Contract & Payment: I entered into a contract with AEDP Group . I paid the fees for this service in full upfront. ?Professional Competence: The initial application submitted to the City was significantly delayed. When finally submitted, the City noted that the application was filled with technical errors. ?Lack of Response: I immediately contacted AEDP Group’s head office. I have attempted to contact Mr. Hasan, paul,randy and his team numerous times via phone and email to request this revision. ?Refusal to Communicate: Mr. Hasan, Paul, Randy and AEDP Group have ceased all communication. They are ignoring my phone calls and have failed to reply to my emails, despite having been paid in full for the completion of this permit process. [BBB Scam Type: Home Improvement] [Business: AEDP GROUP] [Location: ON, CAN - N2N 3M7]

Paid in full for an electrical job that wasn’t completed and was certified dangerous by the city electric inspector He took money for substandard parts and money for labor. He left us without electricity took money and couldn’t complete Dollars Lost $4125 [BBB Scam Type: Home Improvement] [Business: Ryan Vaughn] [Location: IN, USA- 47374]

He was hired to do work and was paid in full and never did the work and refuses to return the money. His business is called Will-I-Can handyman services in Richland WA. Dollars Lost $1300 [BBB Scam Type: Home Improvement] [Business: Will-I-Can] [Location: WA, USA- 99336]

I extremely hate to do this however I want to share my experience with Mick Peterson (Micky Bobby) or his business sunset construction to help others make informed decisions". Hired in Dec 2024 for a 6 month basement remodel (phase 1). Upon completion of phase 1 we planned to build an addition (this would be atrial period). Ran into trouble with the basement wall repaired 10,000 (paid feb 2025) . Paid cash for help for other things around the house passing over 1000, paid cash for certain materials, flooring, shower etc. By July 17th 2025 he was paid in full (20,000) gifting an additional 2000 towards Dec 2025. Totaling over 33,000.00. However at that time (July 17th) he wasn't even close to being half way done but requested it anyways and only wanted to move forward with the addition. First completion date was supposed to be June, then Sept, then Dec of 2025 then March of 2026 with continuous response I'll get it done. Turn now to march 1 2026 and after continuous of not showing up, delays, working maybe 8 hours a week THIS WHOLE TIME, he has now officially abandoned the project. Just a warning to everyone. The continuous excuses of not showing up are recorded along with me being courteous, kind and respectful all while encouraging him to complete the work before set dates with a promise from him of completion every time This is how he left the basement given an almost 14 month project. Never got a contract from him after requesting it multiple times same with his insurance. A good friend of mine suggested him, he is/was a good friend of his. He said I could have trusted him but didn't know why he kept messing up. And obviously I kept giving him the benefit of the doubt seeing his previous work I never thought it was an issue however I do believe this is not his first issue with having issues with his customers resulting in court or settlement(unaware). [BBB Scam Type: Home Improvement] [Business: Sunset Construction] [Location: NY, USA- 14738]

I hired a moving company to move my family from Fort Erie Ontario to New Brunswick. Mark the guy I talked to said they would pick up everything on January 2nd and I would have all my items by January 4th. I had to pay right away he told me my belongings won’t leave until it was paid in full. So I did. Never got my things until February 2nd. I am missing a lot of things and I have so many damaged items. Dollars Lost [BBB Scam Type: Moving] [Business: Metro moving and storage] [Location: ON, CAN- L2A 5R5]