What Our Customers Say About Us

I just wanted to let you know that I had a fantastic experience with your company. I spoke with Pat Wallen several times today, and she just helped me with everything that I needed to know, and she made everything very simple for me also. It was fantastic news when I got the call with the settlement amount, and I just want to thank you. It was a pleasure working with all of you. So thank you, and have a great day!

I just wanted to say that I really appreciate the candidness, the respectfulness, the professionalism that I have been shown, not only by Janine, but also what appears to be a corporate motto. I’m a lawyer. I deal predominately with credit issues, foreclosure issues, tax issues and some of these calls with the collection agency can be real nasty. And I can just say this though, for CFS 2, as appears to be the philosophical and business philosophy behind this company. I call that a breath of fresh air, and I just want to say thank you.

Hi, Mr. Bill Bartmann. My name is Xxxxx Xxxxx, and today is Wednesday, March 2nd I think. I can’t keep up with it. I’m calling regarding Connie Quinn—she’s been helping me. We have a son who’s very, very ill. He has seven mental illnesses. He tried to murder me 13 years ago. He stabbed me 21 times, and he has been hospitalized for quite a long time. He’s been out for a little while and trying to live on his own. He went back onto some mania couple years back ago and charged some amounts on 10 different credit cards. He’s relapsed and was in the hospital in the psychiatric unit this summer. I’m working four jobs. My husband’s got one to try to take care of some of his, like car payment and utilities. **** having a struggle, he cannot pay his credit card bills—they’ve gone into collection. That’s why Connie, I’ve been dealing with Connie. I have just recently become my son’s power of attorney, and I’ve written letters, and sent doctor reports. Letters telling about my son’s illness, and I’m trying to see if his debt can be forgiven. And I just need to let you know, it’s very emotional in my heart about what a blessing Connie Quinn has been—I wanted to let you know. I just can’t say enough about her. She is somebody that’s helped to give me some peace and comfort. She is the most polite, kindest debt collector I’ve ever heard—working with these things I’m doing for my son. I just can’t say enough, and I just wanted to know. And I know I didn’t have to call, but the best thing is I wanted to let you know.

Although sometimes in life debt collection calls can be annoying, I understand that you are only doing your job.

I will say that Tonya Jones was extremely nice, professional, easy to talk to, and very understanding. You need more people like Tonya Jones in your company.

Thank You

This thank you is long overdue, but like I tell my children—a late thank you is better than no thank you. I have to tell you, Russell, that you and CFS 2 have been the best and most courteous debt collection company my husband and I have worked with—from the first person answering and transferring my initial call, then conversing with you last month, and now today with Amanda. I am so thankful for the kind people your company employs.

I don’t know if you have ever had financial problems, but it is very stressful and depressing. I don’t know how my husband and I got ourselves into so much credit card debt—well actually I do, and it’s just plain stupidity. Also, in the past year, we never suspected my husband’s hours and wages were going to be cut drastically, and we never suspected our youngest college age daughter would try to commit suicide which thankfully, her boyfriend got her to the hospital in time. My family comes first, and I took six weeks off with four of those unpaid while she got well. I am so thankful she is now healthy and happy and will graduate from the University of Montana in Missoula this May of 2011.

So, with that said, thank you for being so kind to me as I can tell you there have been a couple of agencies that were downright rude and accused me of making up stories and even made me cry. My husband and I are hardworking people and intend to pay all of our bills and we hope that in 18 to 24 month we have paid off all of our credit card debt and never use credit cards again.

Wishing you, Russell, and all of the staff in your company a wonderful and blessed Holiday Season. God bless.

To Whom It May Concern:

The reason that I am writing this email is because of my experience with CFS 2, but especially their representative, Forrest Elliot. I had the pleasure of working with him regarding my very outstanding balance with one of my credit cards. He was very understanding and compassionate. If more creditors would approach people that owe money this way, I think a lot of debt would be paid off.

When my husband abandoned my kids and I and filed for divorce, this left me with a lot of debt and no way to pay it. I had been a stay-at-home mom homeschooling our kids for 12 years. I had an education, but in this economy, the job market is very competitive, leaving me with few options of income. As I now receive support and have undertaken training for a new career, this will take time to complete before I am on my own two feet. Meanwhile, the debt increases with fees and penalties. I had pretty much given up on most of the debt with the attitude that it’ll just have to wait. I see the phone calles coming frequently from my creditors, and want to pay something, but it never seems to be enough.

Anyway, Mr. Elliot agreed on a good faith payment from me which is not much, but is a commitment to paying my debt. He was very pleasant and compassionate, and accepted my offer for a monthly payment until such time as I can pay more. This is so much better than trying to avoid creditors because what I can pay is never enough for them. I also want to avoid them because some of them are really nasty, and I have to hang up on them. This can be very stressful. I really appreciate the approach of this company to collect debts. It has truly been encouraging.

Hi. My name is Xxxxx Xxxxx calling on behalf of Xxxxx Xxxxx. My ID number is ######. I just recently this morning spoke to Cecil about getting Xxxxx’s account settled and I just wanted to report that he was wonderful to deal with and treated me with the utmost dignity. Thank you

I just wanted to say how completely impressed I was that the people you have working for you treated me with respect. They worked around my specific issues with not being gainfully employed at the moment. They listened to what I had to say. I’m just completely amazed, I have never had a collection agency treat me with so much respect and dignity. I really feel good about it and I rarely feel good about confronting debts. So you know, the people you have working for you did a bang up job and I just wanted to say so myself to tell you how impressed I was. So, thank you very much for your services and yes we will be in touch. Thank you.

Yes, in dealing with Sara Parrish, she has been more than helpful in getting us to clear up this account. If every other creditor worked with their clients the way she does, I don’t think there would be any problems with overdue bills. And I appreciate her working with me.

This was the single most amazing experience I have had in dealing with debt collectors. Your representative, Forrest Elliott, was courteous and eager to work with me to resolve the situation…which he did with amazing result.

I only wish that all debt collectors would be as helpful and respectful as this company, and work with us to resolve our debt.

This company has helped me, and I am very grateful and thankful.

I appreciate your help and helping me to correct this debt problem that I have. Carrie and Tonya were very nice to me, and I appreciate all that you’re doing for me, and I look forward to working with you to get my debt settled. Thanks so much for your help.

Hi, Bill. My name is Xxxxx Xxxxx, and I called in on behalf of my daughter. I wanted to let you know that I have been working on dealing with my debt myself over the past 5 years, and I called in and spoke to Carol Stotts and her supervisor Donna, and I wanted to let her know that at the end of our dealings that we have read the insert that you had within the notice that was sent to her and, you know, we were questioning the whole philosophy of it. But I wanted to let you know that everything that you stated in that letter about dealing with us with dignity and respect was completely followed by every single staff person that I spoke to whether it be who answered the phone, Carol, that I dealt with for my daughter’s account, Donna, her supervisor, and I was so impressed. I felt so comfortable talking to everyone, and they were so compassionate and helpful, and I just didn’t want the call to end without letting somebody know that if every debt collection type establishment could run and function the way yours did, things would be so much better for everyone, and I am sure there would be far more happy people who would be willing to settle their accounts. Everybody makes mistakes. So, I just wanted to let you know that. I want to thank you and especially, I want to thank Carol. Good night.

I dealt with Brian Murphy and he was amazing. He was very respectful. I was treated with dignity and he was very helpful. Because, until I got with him myself hopeless on getting this debt paid off, and now I’m gonna be debt free. So, I appreciate the manner which I was dealt with.

Hi, Bill. My name is Xxxxx Xxxxx, and I had a chance to work with Sarah, and I believe it’s her supervisor, Ryan, and they were excellent to work with. I appreciate their approach, and we had some tough times financially with the business I had owned and used the line of credit that we could not satisfy in full. And they worked with us cooperatively and collaboratively to find a schedule that we could pay off enough of the debt that we felt good about, and that the structure that was suitable for our situation. I appreciate their effort and their approach and just certainly set the hard higher and you know, highest that I have seen within your industry.

This email is to let you know that this company was wonderful to us—they did not get hateful or put us down.

They were very friendly and nice. I wish more would be like this. Chris and the lady that I talked to were very nice. They never raised their voice or tell us they are going to take the home if we didn’t pay this bill. They were very understanding. Great job.

Thank You So Much

To Whom It May Concern:

As too many Americans have issues with credit during these difficult times and are falling behind with payments, it has been a pleasure working with CFS 2 to correct my problem.

Not all agencies are polite and friendly, but rude and downright intimidating.

During my lifetime, I have never had an issue with debt, but due to a health issue with one of my children, I have fallen behind. This is not something I am proud of, and I think of it every day. Working with CFS 2 has been a pleasure, and no scare tactics have been used.

Thank you for your patience and understanding.

This letter is to describe my experience with your company, CFS 2. I initially got a phone call from Damon regarding my account being charged off from US Bank to your company, which I had no idea at the time. Damon was very polite and informed me of my balance and tried to see if I was in a position to pay at the time. During this brief conversation, I notified him that I was not able to pay my balance due to my hours being cut at work, and I could not talk to him at the moment because I was stepping into class. I asked if he could call back in a few days while I decided what I could do to resolve my debt.

Damon called back a few days later like we agreed, and was willing to work out an arrangement that would fit my budget and needs. He did not act rude, condescending, or treat me like a collector would just as I heard from other people’s experiences. This made me want to actually talk to him to work something out. After exchanging ideas, I was able to borrow money from my uncle and scrounge some myself to make a lump sum settlement. Damon took my payment information and thanked me for working with him.

My last thoughts of my experience would be that the collection industry needs more people like Damon to help others resolve their accounts.

Thanks again

Your company is currently responsible for collecting my past due balance formerly with Fulton Bank of Pennsylvania.

I would like to take this opportunity to express my gratitude for the courtesy that one of you staff members, Damon Baldridge, has shown me while discussing options to resolve my debt. Mr. Baldridge’s non-threatening approach and genuine concern during our conversations has been appreciated.

Being in this predicament is the last place I ever thought I’d be, but dealing with an individual like Mr. Baldridge certainly makes it less painful.

I am writing in response to working with CFS 2 on debt recovery in regards to a credit card debt that I have been working with Russell to satisfy. In these very difficult times, I have unfortunately been one of the many folks placed out of work due to my position being eliminated. My wife had previously tried to satisfy our debt with the credit card company in an effort to at least pay what we could, and the credit card company refused to accept a lesser payment thus placing this debt in default.

Russell has been assigned to recover the debt, and in brief conversations on the phone I appreciate his humanistic approach while dealing with me. He understands my situation and has approached me in a very professional manner. Russell’s approach is welcoming, and I wish others in his field do take the same approach. Instead of belittling people and making them angry, he encourages them to do what they can.

I appreciate his approach in working with me, and he deserves the respect that he gives people like me that are struggling to make ends meet. Great job, Russell.

I have regrettably had to deal with a lot of debt collectors recently due to some unexpected hardships. Over the past few months there have been some that have been willing and enjoyable to work with and others that have been extremely rude. Working with Amanda Wolfe and CFS 2 has been a great experience. They were friendly and easy to talk to. They worked with me on designing a plan that would work for me and my situation—making it a win-win. I feel that it is important to treat others with dignity and respect and generally people will treat you well in return. People who are having financial problems really don’t want them. They don’t want to be late on their payments, they don’t want handouts, they are just trying the best they can and the rug gets pulled out from under them. The creditors who treated me badly made me feel like I was a thief and dishonest and a horrible person. I try very hard to be honest, and I feel bad that I have not been able to meet all of my obligations. I am thankful for people like Amanda who are understanding and willing to give me a hand to get out of the pit I am in.