CLB Backup 08/19/2015 CONTRACTORS
LICENSING
BOARD
Backup
August 19 , 2015
8/18/15 Full Credit Report I Credit Karma
Credit(' ai rria Reported as of Aug 18,2015
abel arredondo's Credit Report
Provided by
Overview
Your Credit Score Account Mix
580 640 Credit Cards 6
0
so
6 47 Auto 1
0
300 Fair 850 0
Total Accounts: 7
Personal Information
Names Reported
ABEL M ARREDONDO See something wrong?
MARTINEZ,ABELA Find out how to update personal information.
Addresses Reported Employer Reported Date Reported
® 1205 NE 7TH PL
CAPE CORAL,FL DESIGNER ABEL ARREDO Nov 8,2011
33909
SUPERIOR CUSTOM CABINET Mar 31,2006
I 1622 SE 21ST TE
CAPE CORAL,FL
33990
475 E GOLDEN GATE BV
NAPLES,FL
34120
Accounts
Account Name Account Type Open Date Status Balance
8/18115 Full Credit Report I Credit Karma
CHASE fB Credit Card Jun 30,2005 Closed $5,030
Account Details Payment History
Last Reported' Oct 29,2013 No payment history has been reported by this creditor.
Creditor Name CHASE Credit Utilization* 01109.35%
Account Type Credit Card
Account Status Closed-Derogatory
Creditor Contact Details
Opened Date Jun 30,2005
Closed Date Jul 29,2009 CHASE BANK USA NA
PO BOX 15298
Limit $4,600 WILIMNGTON,DE
19850
Term
(800)432-3117
Monthly Payment $0
Responsibility Individual See something wrong?
Balance $5,030 Learn more about how to dispute items on your credit report.
Highest Balance $7,114
Payment Status Collection/Charge-Off
Worst Paym e nt Status Unknown
Date of Last Payment Nov 25,2008
Amount Past Due $5,030
Times 30/50/90 Days Late 0/0/0
Remarks Charged off as bad
debt
Canceled by credit
grantor
8/18/15 Full Credit Report I Credit Karma
DISCOVERBANK 8 Credit Card Jun29,2003 Closed SO
Account Details Payment History
Last Reported Aug 12,2015 No payment history has been reported by this creditor.
Creditor Name DISCOVERBANK Credit Utilization* 0.00%
Account Type Credit Card
Account Status Closed-Paid
Creditor Contact Details
Opened Date Jun 29,2003
DISCOVER FINANCIAL SERVI
Closed Date Nov 30,2009
PO BOX 15316
Limit $3,800 WILMINGTON,DE
Term 19850
(800)347-2683
Monthly Payment $0
Responsbiliry Individual
See something wrong?
Balance $0 Learn more about how to dispute items on your credit report.
Highest Balance $5,101
Payment Status Collection/Charge-Off
Worst Payment Status Unknown
Date of Last Payment Jul28,2015
Amount Past Due $0
Times 30/60/90 Days Late 0/0/0
Remarks Payment after charge
off/collection
Settled-less than full
balance
s
8/18/15 Full Credit Report Credit Karma
SYNCB/CHEVRO g Credit Card Oct 18,2003 Closed $0
No Missed Payments
Account Details Payment History
Last Reported Jul 14,2015 2018 monEmzunot
2014
Creditor Name SYNCB/CHEVRO
2013 MISMIZEMBIEUMEIBINEE
Account Type Charge Account 2012®11111
Account Status Closed. 201t 1111111111111311111
J F M A R A J J A S O N D
Opened Date Oct 18,2003
Closed Date Mar 29,2008 Credit Utilization* 0.00%
Limit $600
Term —
Creditor Contact Details
Monthly Payment $0
SYNCB/CHEVRON PLCC
Responsibility Individual P0 BOX 965015
Balance $0 ORLANDO,FL.
32896
Highest Balance (800)243-8766
Payment Status Current
See something wrong?
Worst Payment Status Current
Date of Last Payment — Learn more about how to dispute items on your credit report.
Amount Past Due $0
Times 30/60/90 Days Late 0/0/0
Remarks Closed
CAP1/BSTBY 8 Credit Card Jut 25,2004 Closed SO
No Missed Payments
Account Details Payment History
Last Reported Jul 28,2009 2008
Creditor Name CAP1ABSTBY 2008®� ®®®®�
2007 111111111111911111101111111111
Account Type Charge Account 2005®®®®®131®
Account Status Closed-Paid
2005 11111111111111111111111
J F M A M J J A S o N 0
Opened Date Jul 25,2004
Unknown
Closed Date Feb21,2009
Limit $1,400 Credit Utilization* 0.00%
Term —
Monthly Payment $0 Creditor Contact Details
Responsibility Joint CAPITAL ONE/BEST BUY
Balance $0 PO BOX 30253
SALT LAKE CITY,UT
Highest Balance $1,403
84130
Payment Status Current (800)695-6950
Worst Payment Status Current See something wrong?
Date of Last Payment Mar 27,2006
Amount Past Due
$0 Leam more about how to dispute items on your credit report.
Times 30/60/90 Days Late 0/0/0
•
Remarks Closed
• 8/18/15 Full Credit Report I Credit Karma
CITI MI Credit.Card Nov14,1999 Closed SO
No Missed Payments
Account Details Payment History
Last Reported Aug 08,2007 2007 Millinallilin
2006.
Creditor Name CITI
2005
Account Type Credit Card 2004 En - -1 - - -
Account Status Closed-Paid 2003
J F M A M J J A S O N D
Opened Date Nov 14,1999
Closed Date Apr 18,2007 Credit Utilization* 0.00%
Limit $3,410
Term Creditor Contact Details
Monthly Payment $0
CITICARDS CBNA
Responsibility Individual PO BOX 6497
Balance $0 SIOUX FALLS,SD
57117
Highest Balance So (800)533-5600
Payment Status Current
See something wrong?
Worst Payment Status Current
Date of Last Payment May 24,2007 Learn more about how to dispute items on your credit report.
Amount Past Due $0
Times 30/60/90 Days Late 0/0/0
Remarks Account closed by
consumer
FRD MOTOR CR Auto Aug 20,2005 Closed $p
No Missed Payments
Account Details Payment History
Last Reported May 12,2007 2007 mem
Creditor Name FRD MOTOR CR 2006 ®®�®®®®®®NI
2005
Account Type Automobile J F M A M J J A S O N D
Account Status Closed
Opened Date Aug 20,2005 Creditor Contact Details
Closed Date May 12,2007 FORD MOTOR CREDIT
Limit _ PO BOX 542000
OMAHA,NE
Term 60 Months 68154
Monthly Payment 5609 (800)727-7000
Responsibility Individual See something wrong?
Balance $0
Learn more about how to dispute items on your credit report.
Highest Balance $29,330
Payment Status Current
Worst Payment Status Current
Date of Last Payment May 12,2007
Amount Past Due $0
Times 30/60/90 Days Late 0/0/0
Remarks Closed
8/18/15 Full Credit Report I Credit Karma
CAPITAL ONE g Credit Card Nov 28,2001 Closed $0
No Missed Payments
Account Details Payment History
Last Reported Apr 20,2007 2007 Dm
2006®®
Creditor Name CAPITAL ONE Mg=
Account Type Credit Card J F M AM J J A 5 D N D
Account Status Closed-Paid
Opened Date Nov 28,2001 Credit Utilization* N/A
Closed Date Apr 20,2007 No credit limit reported
Limit
Creditor Contact Details
Term —
Monthly Payment $o CAPITAL ONE BANK USA NA
PO BOX 30281
Responsibility Individual SALT LAKE CITY,UT
Balance $0 84130
(800)955-7070
Highest Balance $530
Payment Status Current See something wrong?
Worst Payment Status Current Learn more about how to dispute items on your credit report
Date of Last Payment Jan 08,2007
Amount Past Due $0
Times 30/60/90 Days Late 0/0/0
Remarks Account closed by
consumer
*Calculated using reported balance and credit limit on account.
Credit Inquiries
Creditor Name Inquiry Date Removed By Type
MIAMI CAR CR May5,2014 Jun2016 Automotive
Creditor Contact Details
See something wrong?
MIAMICARCRED I/MIAMICARCR
MIAMI,FL 33169 Find out how to dispute a hard inquiry.
(440)317-0010
MIAMI CAR CR May 4,2014 Jun2016 Automotive
Creditor Contact Details
See something wrong?
MIAMICARCRED I/MIAMICARC R
MIAMI,FL 33169 Find out how to dispute a hard inquiry.
(440)317-0010
8/18/15 Full Credit Report I Credit Karma
*Estimated based on the date of your inquiry and an assumed 2 year expiration period.
Collections
Agency Original Creditor Open Date Status Balance
MIDLAND FUND CITIBANK SOUTH Dec 27,2012 Closed $0
DAKOTA N A
Account Details See something wrong?
Last Reported Aug 07,2015 Learn more about how to dispute items on your credit report.
Collection Agency MIDLAND FUND
Original Creditor CITIBANK SOUTH
DAKOTA N A
Status Closed
Opened Date Dec 27,2012
Closed Date —
Responsibility Individual
Balance $0
High Balance $2,639
Remarks Account information
disputed by consumer,
meets FCRA
requirements
CAVALRY PORT 08 GE MONEY BANK Feb 20,2013 Closed $0
Account Details See something wrong?
Last Reported Jul22,2015 Learn more about how to dispute items on your credit report.
Collection Agency CAVALRY PORT
Original Creditor 08 GE MONEY BANK
Status Closed
Opened Date Feb 20,2013
Closed Date —
Responsibility Individual
Balance $0
High Balance $268
Remarks Account information
disputed by consumer,
meets FCRA
requirements
Public Records
8/18/15 Full Credit Report I Credit Karma
I �
j - As of Aug 18,2015,you have no public records on your credit report.
How to Read Your Credit Report
Your full credit report is divided into five important sections:
Personal and Employment Information
This section contains names,addresses and employers included on your credit report.This sort of information is added to your report after it's
been used on credit applications.Review this section for any information you don't recognize.
Accounts
This section contains details on each credit account on your credit report,including both open and closed!accounts.Details include payment
history,current status and reported balances.Review this section to ensure that your lenders have been properly reporting_your activity,and to
look for any accounts that you didn't open.
I-- Credit Inquiries
This section contains details on each hard credit inquiry on your credit report.Hard inquiries are typically added to your report when you apply
for new lines of credit.Review this section to verify that each inquiry is correct and authorized by you,and to find our approximation of when
each inquiry will be removed from your report.
CO Collections
This section contains information about any accounts reported as in collections.If you've fallen behind on payments and have outstanding
debts,a lender could send your account to collections.Review this section to check the accuracy of information about each collections
account and to find contact information for your collections agencies_
ity Public Records
This section contains details on any public record information included in your credit report.Public records include bankruptcies,civil
judgments and tax liens_Review this section to ensure that each item is reported accurately_If there is incorrect information,you could file a
dispute directly with the credit bureaus_
If you anticipate changes to your report over time,you can get an update to your credit report once a week through Credit Karma to check if new information
has been added and old information has been updated.Because lenders typically only report information to the bureau once a month,it may take time for
these updates to appear.View your report online to find highlights of information that could be important to your credit health.
' 8/18/15 Full Credit Report I Credit Karma
it
ureau
Services inc.
•
INFILE CREDIT REPORT
3503 NORTH DIXIE HIGHWAY, OAKLAND PARK, FL 33334 Reporting Bureau certifies compliance contractual requirements
Phone: 954-561-1400 governing check of public records with these results.
Fax: 954-567-1441 Public Records Found For: ❑Applicant ❑Spous.0
FILE# 471003 FNMA# DATE COMPLETED 8/10/2015 RQD'BY COLLIER COUNTY
SEND TO COLLIER COUNTY CONTRACTOR DATE ORDERED 8/10/2015
LICENSING BOARD
CUST.# 1042 REPOSITORIES PRPD'BY
2800 N HORSESHOE DR PRICE $49.35 LOAN TYPE
NAPLES, FL 34104 REF.#
PROPERTY ADDRESS
APPLICANT CO-APPLICANT
APPLICANT L C STONEWORKS, LLC CO-APPLICANT
SOC SEC# 342-06-3983 DOB SOC SEC# DOB
MARITAL STATUS DEPENDENTS
CURRENT ADDRESS 16005 ARBOR VIEW BLVD STE 417, NAPLES, FL 34110 LENGTH
PREVIOUS ADDRESS LENGTH
TRADELINES
***NONE***
PUBLIC RECORDS
***NONE***
INQUIRIES(LAST 90 DAYS)
***NONE***
REMARKS
0-THE CORRECT NAME OF THE COMPANY IS: L.C. STONEWORKS LLC
FLORIDA CERTIFICATE OF LIMITED LIABILITY COMPANY FILED 07/31/2015
DOCUMENT#L15000131430
STATUS:ACTIVE
MANAGING MEMBER(S):THOMAS LOCKE JR
THE REPORTING BUREAU CERTIFIES THAT: PUBLIC RECORDS HAVE BEEN CHECKED IN FEDERAL, STATE AND COUNTY
RECORDS FOR TAX LIENS,JUDGMENTS, GARNISHMENTS, BANKRUPTCIES,AND OTHER LEGAL INFORMATION. INFORMATION
HAS BEEN OBTAINED THROUGH THE USE OF A QUALIFIED PUBLIC RECORDS REPORTING SERVICE WITH THE RESULTS
INDICATED HEREIN: NONE
NAME OF QUALIFYING CONTRACTOR:THOMAS LOCKE JR
MISCELLANEOUS INFORMATION
- Instant View Password:A1-4D5101A
-To verify the authenticity of this credit report, please visit https://cbs.meridianlink.com and click on the Instant View link. Enter Identifier#
471003 and password A1-4D5101A to view the report. For any inquiries regarding this report or services provided by CREDIT BUREAU
SERVICES, INC.please contact us at 954-561-1400.
DISCLAIMER
An asterisk(*)following the payment amount indicates the repositories have no payment data and that the amount was automatically
calculated as a percentage of the account balance.
This is a repc't containing information supplied by the repositories listed above.The merge process is automated and the report may include
some duplications and/or omissions. Inquiries regarding any disputed items should be directed to the creditor reporting the item, or to the
appropriate repository service center(s)listed below.
ECOA KEY: B=BORROWER;C=CO-BORROWER;J=JOINT; U=UNDESIGNATED;A=AUTHORIZED USER; P=PARTICIPANT;S=CO-SIGNER
CREDIT BUREAU SERVICES,INC.:3503 NORTH DIXIE HIGHWAY,OAKLAND PARK,FL 33334(P)954-561-1400(F)954-567-1441
The information is furnished in response to an inquiry for the purpose of evaluating credit risks.It has been obtained from sources deemed reliable,the accuracy of which this organization does not guarantee.The
inquirer has agreed to indemnify that reporting bureau for any damage arising from misuse of this information,and this report is furnished in reliance upon that indemnity.It must be held in strict confidence and
complies with the provisions of Public Law 91-508,the Fair Credit Reporting Act.Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA,FHMC,FHA,VA
and the Farmers Home Administration.
Page I/2
FILE# 471003 FNMA# DATE COMPLETED 8/10/2015 RQD'BY COLLIER COUNTY
SEND TO COLLIER COUNTY CONTRACTOR DATE ORDERED 8/10/2015
LICENSING BOARD
CUST.# 1042 REPOSITORIES PRPD'BY
2800 N HORSESHOE DR PRICE $49.35 LOAN TYPE
NAPLES, FL 34104 REF.#
PROPERTY ADDRESS
APPLICANT CO-APPLICANT
APPLICANT L C STONEWORKS, LLC CO-APPLICANT
SOC SEC# 342-06-3983 DOB • SOC SEC# DOB
MARITAL STATUS DEPENDENTS
DISCLAIMER
EXPERIAN TRANSUNION EQUIFAX
PO BOX 2002 PO BOX 1000 PO BOX 740256
ALLEN,TX 75013 CHESTER, PA 19022 ATLANTA, GA 30374
888-397-3742 800-888-4213 800-685-1111
www.experian.com/reportaccess transunion.com/myoptions www.equifax.com/fcra
•
ECOA KEY:B=BORROWER;C=CO-BORROWER;J=JOINT;U=UNDESIGNATED;A=AUTHORIZED USER;P=PARTICIPANT; S=CO-SIGNER
CREDIT BUREAU SERVICES,INC.:3503 NORTH DIXIE HIGHWAY,OAKLAND PARK,FL 33334(P)954-561-1400(F)954-567-1441
The information is furnished in response to an inquiry for the purpose of evaluating credit risks.It has been obtained from sources deemed reliable,the accuracy of which this organization does not guarantee.The
inquirer has agreed to indemnify that reporting bureau for any damage arising from misuse of this information,and this report is furnished in reliance upon that indemnity.It must be held in strict confidence and
complies with the provisions of Public Law 91-508,the Fair Credit Reporting Act.Reporting bureau certifies that all Residential Mortgage Credit Reports meet the standards prescribed by FNMA,FHMC,FHA,VA
and the Farmers Home Administration.
***END OF REPORT 8/10/2015 7:34:46 AM***
Page 2/2
Experian I Report Page 1 of 2
FICO SCORE 8 Three Bureau Report with Score
Powered by Transunion Generated:August 17,2015
614 PRINT DISPUTE GUIDE(MEMBER#iREPORTS/DISPUTES?ATTRGROUP=DISPUTELINK&ATTRNAME JRLLINK) ARCHIVED
REPORTS
EXPERIAN
Credit Rating:Fair
TRANSUNION(HTTPS://EXPERIAN.EXPERANDIRECT.COM/MEMBER#/REPORFS/REPORTS?
300 850 BUREAU=TRANSUNION&VIEW=SUMMARY&REPORTID=399565867&ATTRGROUP=BUREAU_TRANSUNION&ATTRNAME=VIEW_SUMMARY&AI
Generated:Aug 17,2015 EQUIFAX(HTTPS://EXPERIAN.EXPERANDIRECT.COM/MEMBER#/REPORTS/REPORTS?
V BUREAU=EQUIFAX&VIEW=SUMMARY&REPORTID=399565867&ATTRGROUP=BUREAU_EQUIFAX&ATTRNAME=VIEW_SUMMARY&AID=&MID-:
Your score is below the average score COMPARE ALL
of U.S.consumers,though many
lenders will approve loans withthis
score.
View Summary 5j
e& Personal Information
Name THOMASJ LOCKE
Also known as
Year of birth 1972
Address 6069 HOLLOW DR NAPLES,FL 34112
Employer SURBURBAN MARBLE GRANITE
Personal Statement -
mil Credit Used
Revolving Debt $0.00
Revolving Credit Limit $300.00
Revolving Credit Usage 0%
Real Estate Debt $0.00
Installment Debt $0.00
Total Debt $26,398.00
Negative Information
Accounts Ever Late 12
Accounts In Collections 12
Time Since Negative 0.3 year(s)
Inquiries Summary
Inquiries 1
El Public Record Summary
Public Records 0
Length of History
Oldest Account 14.1 year(s)
Average Account Age 7.1 year(s)
The new app is here A
The new app makes staying in
touch with your credit easy.
Download the app today. d HELP
Trying to consolidate your debt?
Check out consolidation loans
https://experian.experiandirect.com/member 8/18/2015
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https://experian.experiandirect.com/api/Pdf Report/GeneratePdfReport 8/18/2015
DISCOVER°
P. O. Box 3025
New Albany, OH 43054-3025
August 11, 2015
Abel Arredondo
1405 SE 23rd P1
Cape Coral, FL 33990-1906
Discover® Card account ending in: 0166
Dear Abel Arredondo:
We received your payment of$1,500.00 on July 28, 2015.
We consider your account settled for less than the full balance.
Whenever $600 or more is forgiven as a result of settling a debt for less than the balance
owed the creditor may be required to report the amount forgiven to the Internal Revenue
Service on a 1099C form, a copy of which would be mailed to you by the creditor. If you
are uncertain of the legal or tax consequences we encourage you to consult your legal or
tax advisor.
If you have further questions, please contact our office at 1-800-347-3122 between the
hours of 8:00am and 5:00pm EST Monday through Friday.
Sincerely,
C. Benham
Sr. Account Manager
Discover Card
27B
DISCOVER
Account number ending in 0166
PO Box 3008 Jul 28 2015
New Albany, OH 43054-3008 y
Dear Abel Arredondo,
This letter is to confirm your authorization received over the phone on July 28, 2015 for the intended
post-dated payment to your Discover® Card from your bank account, using the information listed
below:
Payment Amount: $1,500.00
Date Payment Presented to Your Bank: July 28, 2015
Bank Account Number Ending In:
No other action is required on your part to make this payment.
Please call us at 1-800-347-7504 between the hours of Monday through Friday 8:00 am to 11:00 pm,
and Saturday 8:00 am to 12:30 pm EST for any questions or concerns you may have regarding this
account.
Sincerely,
Nathan Sperry
Cardmember Assistance, Discover Card
1-800-347-7504
Monday through Friday 8:00 am to 11:00 pm, and Saturday 8:00 am to 12:30 pm EST
This is an attempt to collect a debt and any information obtained may be used for that purpose.
Discover.com
Discover Card, issued by Discover Bank,member FDIC
CON 100187 Page 1 of 1
PO Box 3008
New Albany, OH 43054-3008 Account number ending in 0166
Current Balance $5,101.59
Amount Now Due $0.00
IIIIIIII"IIIII11IIIIIiliIII'IIII"II'IIIIIIIIIIIIIIIIIIIIIIIIIII
Amount enclosed $
LF11RA01 044837
Abel Arredondo Fes x 74
1405 Se 23rd PI
Cape Coral, FL 33990-1906
PO Box 6103
Carol Stream IL 60197-6103
11Ilillll"fllllulllllllI 11Iili11111111llllll1IIIIII1III1I1lIul
0000019866],8051057185051015900000000000000
FRSFINANCIAL RECOVERY SERVICES, INC.
P.O.BOX 385908
Minneapolis,MN 55438-5908
952-831-4800
Feb 03,2015 CURRENT CREDITOR:CAVALRY SPV II,LLC
ORIGINAL CREDITOR:GE MONEY BANK/JC PENNEY
CONSU
REGARDING:GE MONEY BANK/JC PENNEY CONSU
XXXXXXXXXXXX791 I
AB SE ARREDONDO DATE OF LAST PAYMENT:2015-02-03
A
B SE 23RD ARREDONDO DATE:2009-08-25
CAPE CORAL FL,33990 FRS FILE NUMBER:LWY672
ONLINE PIN NUMBER:30974137
SETTLEMENT PAYMENT:$192.33
SETTLEMENT RECEIVED:2015-02-03
******RECEIPT OF SETTLEMENT******
THIS LETTER IS TO NOTIFY YOU THAT WE ACKNOWLEDGE RECEIPT OF THE ABOVE REFERENCED FINAL SETTLEMENT
PAYMENT.UPON THE FUNDS CLEARING THE BANK,THE ACCOUNT WILL BE CONSIDERED SETTLED IN FULL FOR LESS
THAN THE FULL BALANCE.
CAVALRY SPV II,LLC IS REQUIRED BY THE IRS TO PROVIDE INFORMATION ABOUT CERTAIN AMOUNTS THAT ARE
DISCHARGED AS A RESULT OF A CANCELLATION OF A DEBT ON A FROM 1099C.IF CAVALRY SPV II,LLC IS REQUIRED TO
NOTIFY THE IRS,YOU WILL RECEIVE A COPY OF THE FORM 1099C THAT IS FILED WITH THE IRS.
IF YOU WISH TO DISCUSS THE MATTER FURTHER,I CAN BE REACHED AT THE NUMBER LISTED BELOW.
SINCERELY,
LAUREN LUOSTARI
ACCOUNT MANAGER
TOLL FREE: 1-866-522-9394
THIS COMMUNICATION IS FROM A DEBT COLLECTOR.SEE REVERSE SIDE FOR IMPORTANT INFORMATION.
Office hours are:Monday-Thursday,7am to 8pm;Friday 7am to 5pm;Saturday 7am to noon.
SEE REVERSE SIDE FOR MORE INFORMATION
4510 W 77th St,Ste 200-Edina,MN 55435
We are required under certain State and Local Laws to notify consumers of those States or Localities of the following
rights. This list does not contain a complete list of the rights consumers have under Federal,State,or Local Laws.
ADDITIONAL INFORMATION FOR CALIFORNIA RESIDENTS
The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except
under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using
threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at
work if they know or have reason to know that you may not receive personal calls at work. For the most part,collectors may not
tell another person,other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your
location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade
Commission at 1-877-FTC-HELP or www.ftc.gov.
ADDITIONAL INFORMATION FOR COLORADO RESIDENTS
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION. PRACTICES ACT, SEE
www.co loradoattorneygeneral.gov/ca
COLORADO OFFICE LOCATION:27 NORTH WILLERUP,SUITE B,MONTROSE,CO 81401
LOCAL PHONE:970-249-7514 TOLL-FREE PHONE: 1-866-436-4766
A CONSUMER HAS THE RIGHT TO REQUEST IN WRITING THAT A DEBT COLLECTOR OR COLLECTION AGENCY
CEASE FURTHER COMMUNICATIONS WITH THE CONSUMER. A WRITTEN REQUEST TO CEASE
COMMUNICATION WILL NOT PROHIBIT THE DEBT COLLECTOR OR COLLECTION AGENCY FROM TAKING ANY
OTHER ACTION AUTHORIZED BY LAW TO COLLECT TIIE DEBT.
ADDITIONAL INFORMATION FOR MASSACHUSETTS RESIDENTS
NOTICE OF IMPORTANT RIGHTS:
YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING
YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE
VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST
POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS
REQUEST BY WRITING TO THE DEBT COLLECTOR.
IF YOU WISH TO DISCUSS THIS MATTER, PLEASE CALL US DIRECT, BETWEEN THE HOURS OF 8 A.M. AND 5
P.M. CST, AT THE NUMBER LISTED ON THE FRONT OF THIS NOTICE. MASSACHUSETTS RESIDENT OFFICE
ADDRESS IS:5230 WASHINGTON ST,WEST ROXBURY,MA 02132 WITH OFFICE HOURS:M-TH 1OAM-3PM.
ADDITIONAL INFORMATION FOR MINNESOTA RESIDENTS
THIS COLLECTION AGENCY IS LICENSED BY THE MINNESOTA DEPARTMENT OF COMMERCE.
ADDITIONAL INFORMATION FOR NEW YORK CITY RESIDENTS
This collection agency is licensed by the New York City Department of Consumer Affairs.The license number is 1015506.
ADDITIONAL INFORMATION FOR NORTH CAROLINA RESIDENTS
North Carolina Department of Insurance permit number:3917.
ADDITIONAL INFORMATION FOR TENNESSEE RESIDENTS
This collection agency is licensed by the Collection Service Board of the State Department of Commerce and Insurance.
ADDITIONAL INFORMATION FOR WISCONSIN RESIDENTS
This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions,
www.wdfi.org.
NOTICE TO ALL CONSUMERS
Our staff is trained to conduct themselves in a businesslike and professional manner,and to leave you with a positive experience
in dealing with our Company. If you have a complaint,criticism,suggestion,or compliment about the way we are collecting this
debt,please write to us at P.O.Box 385908,Minneapolis,MN 55438-5908,email us at compliance u,fin-rec.com,submit on-line
at www.fin-rec.com,or call us toll-free at(866)438-2860 between 9am and 5pm CST Monday-Friday.
Federal Law prohibits certain methods of debt collection,and requires that we treat you fairly. You can stop us from contacting
you by writing a letter to us that tells us to stop contact or that you refuse to pay the debt. Sending such a letter does not make the
debt go away if you owe it. Once we receive your letter,we may not contact you again,except to let you know that there won't
be any more contact or that we intend to take a specific action.
The Federal Trade Commission(FTC)and the Consumer Financial Protection Bureau (CFPB)enforces the Fair Debt Collection
Practices Act(FDCPA). If you have an unresolved complaint about the way we are collecting your debt, please contact the ftc
online at www.ftc.gov., by phone at 1-877-ftc-help; or by mail at 600 Pennsylvania Ave NW, Washington, DC 20580. You can
reach the CFPB online at www.consumerfinance.gov or by phone at(855)411-CFPB(2372).
When you provide a check as payment,you authorize us either to use information from your check to make a one-time electronic
fund transfer from your account or to process the payment as a check transaction.
1005797v1
8/18/15 View Transaction Printable View
suNT usr
View Transaction Printable View
Account: Primary Business Checking - **************1788
Transaction: Debit 0
Customer Reference Number: 0
Date/Time Cleared: 07/17/2015 00:00
Amount: $(661.10)
Date/Time Initiated: 07/17/2015 00:00
FI Reference Number: 2015071700000000066110000000000002
Description: CHECK CARD PURCHASE AFNI INC. 217-4217000 IL
8/`18115 Su Trust Online Banking
+' ! SUN IRUST
Checking *7129 $1 ,083.75
Available
Search all transactions,from Feb 01,2015 to Feb 28,2015
Transaction Detail
Feb 02, 2015 Feb 05, 2015 *7278 $183.05
Transaction Posted Debit Card Number Amount
800-886-9177 MA
Location
CHECK CARD PURCHASE EOS CCA 800-886-9177 MA Dispute Transaction
Midland Credit Management, Inc. Telefono (800)265-8825
m c m 8875 Aero Drive Horario de atencion• Lu—Ju:6:00am—7:00pm
Suite 200 Vi: 6:00am—5:00pm
San Diego, CA 92123 Sab: 6:00am—2:00pm
Dom: Cerrado
Horario Pacifico
Acreedor original Citibank (South Dakota), N.A.
N.°de cuenta original
P5r132 •- -
1405 SE 23rd PI Saldo actual $0.00
Cape Coral, FL 33990-1906 Total de pagos realizado $1,500.00
I IiI'1161 I1iIII'III'h1hn1111"1111I.1III, .II''II •IIl .111
,
� b£ a _ N.° de cuenta de MCM: 8556975112
REF.: Citibank (South Dakota), N.A. /The Home Depot
Nos gustaria agradecerle por su pago en su cuenta Citibank (South Dakota), N.A. /The Home Depot.
Si el instrumento de pago es devuelto "no pagado"por cualquier razon, esta carta sera nula y sin efecto.
La cuenta antes mencionada se resolvio en su totalidad el 07-01-2015. Usted no tiene mas obligaciones
°° financieras con respecto a Ia cuenta 8556975112 de MCM.
O 8
oo�
s
Atentamente,
C. Weber, Gerente de division
" Saldo restante adeudado: $0.00
Fecha de Pago Monto del pago
07-01-2015 $1,500.00
, .,
Se enviara una actualizacion a las tres principales agencias de informes del consumidor indicandoles que registren Ia
cuenta como pagada*. Si tiene preguntas acerca de cuando se reflejara este cambio en su informe, comuniquese con
las agencias de informes por escrito o Ilame a:
Equifax/CBI Experian Trans Union
PO Box 740241 PO Box 2002 PO Box 2000
Atlanta, GA 30374-0241 Allen, TX 75013 Chester, PA 19022
(800) 685-1111 (888) 397-3742 (800) 916-8800
www.equifax.com www.exoerian.com/reoortaccess www.transunion.com
*Si paga su saldo completo, informaremos que su cuenta se pago en su totalidad. Si paga menos del saldo
completo, informaremos que su cuenta se pago en su totalidad por menos del saldo total.
Nosotros reportaremos condonacion de la deuda como lo requiere la normativa del IRS. La presentacion de informes
no se requiere cada vez que una deuda se cancela o liquida, y podria no ser necesaria en su caso.
InirvrtivittLavil uviruk IAN I t JUtskt UIVULGACION DE DATOS:
Favor de comprender que esta es una comunicacion de una agencia de cobranzas.
CONSULTE LA INFORMACION IMPORTANTE SOBRE DIVULGACION AL DORSO
Las Ilamadas desde y hasta esta compania pueden ser monitoreadas o grabadas.
ENVIE ONICAMENTE CORRESPONDENCIA(NO PAGOS)A: 8875 Aero Drive, Suite 200, San Diego, CA92123
Estamos obligados por la ley estatal de notificar a los consumidores de los siguientes derechos. Esta lista no
contiene un listado completo de los derechos que los consumidores tienen bajo Ia ley estatal y federal:
SI VIVE EN COLORADO LO SIGUIENTE SE APLICA A USTED:
PARA INFORMACION SOBRE LA LEY DEL ESTADO DE COLORADO EN MATERIA DE EQUIDAD EN LACOBRANZA DE
DEUDAS, CONSULTE EL PORTAL WWW.COLORADOATTORNEYGENERAL.GOV/CA
El consumidor tiene el derecho de solicitar por escrito que un cobrador de deudas o una agencia de cobranzas deje de
comunicarse con el consumidor. Una solicitud hecha por escrito no prohibira que el cobrador de deudas o una compania de
cobranzas tomen otros pasos autorizados por la ley para cobrar Ia deuda.
Midland Credit Management tiene una oficina en Colorado cuya direccion y nUmero telefOnico se indican a continuacion: 80
Garden Center, Suite 3, Broomfield, CO 80020. Numero telefonico: (303) 920-4763.
En esta oficina solo se aceptan pagos en persona. Todos los pagos por correo deben enviarse a la siguiente
direccion: P.O. Box 60578, Los Angeles, CA 90060-0578
SI VIVE EN MASSACHUSETTS LO SIGUIENTE SE APLICAA USTED:
AVISO DE IMPORTANTES DERECHOS: Usted tiene el derecho de hacer una solicitud oral o escrita de que no se hagan
Ilamadas telefOnicas, sobre su deuda a su lugar de empleo. Toda tal solicitud oral tendra validez durante unicamente diez(10)
dias a menos que usted proporcione una confirmaciOn por escrito de la solicitud con sello de correo o entregada dentro de los
siguientes siete (7)dias siguientes a tal solicitud. Para cancelar esta solicitud escriba a Midland Credit Management, Inc.
SI VIVE EN MINNESOTA LO SIGUIENTE SEAPLICAA USTED:
Esta agencia de cobranza cuenta con licencia del departamento de comercio de Minnesota.
SI VIVE EN LA CIUDAD DE NUEVA YORK LO SIGUIENTE SEAPLICAA USTED:
AutorizaciOn num. 1140603, 1207829, 1207820, 1227728 expedida por Ia Direccion de Asuntos del Consumidor de Ia ciudad
de Nueva York.
SI VIVE EN NORTH CAROLINA LO SIGUIENTE SE APLICA A USTED:
Permisos 101659, 4182,4250, 3777, 111895 y 112039 expedidos por la Secretaria de Seguros de Carolina del Norte. Midland
Credit Management, Inc. 8875 Aero Drive, Suite 200, San Diego, CA92123.
SI VIVE EN TENNESSEE LO SIGUIENTE SE APLICAA USTED:
Esta agencia de cobranzas esta autorizada por la Junta de Servicios de Cobranzas de la Secretaria de Comercio y Seguros.
SI VIVE EN CALIFORNIA LO SIGUIENTE SEAPLICAA USTED:
"La ley estatal de California Rosenthal y la ley de Cobranza Imparcial de Deudas (FDCPA) requieren que, salvo circunstancias
excepcionales, cobradores no pueden hacer contacto con usted antes de las 8 de Ia manana y despues de las 9 de Ia noche.
Ellos no pueden molestarle usando amenazas de violencia o de arresto o usando palabras obscenas. Los cobradores no
pueden usar informaciOn falsa o enganosa o contactarle en su trabajo si ellos saben o tienen razOn de saber que Ud. no
puede recibir Ilamadas personales en el trabajo. Generalmente, los cobradores no pueden hablar con nadie, aparte de su
abogado o su esposo/esposa, sobre su deuda. Los cobradores pueden hablar con otra persona para confirmar su direcciOn o
hacer cumplir un fallo. Para mas informaciOn sobre las actividades de cobranza, Ud. puede Ilamar gratis al 1-877-FTC-HELP
(1-877-382-4357); o puede visitar www.ftc.gov."
"Organizaciones no lucrativas de asesoramiento pueden estar disponibles en su area."
PO Box 520
av
Valhalla, NY 10595 5 Phone: (866)434-2995 • FAX: (914)347-1973
www.cavps.conl,
t'i.r RE: Original Institution: GE Money BanWJC Penney Consumer
En July ,
JUI 23 2015 Original Account No.:
Outstanding Balance: $0.00
IIIIIIIIIIIIIrIlIIIIIIuIIiIiniIIh IiIII11III iiIiiIluliiulil
Abel Arredondo
1405 Se 23rd PI_
Cape Coral, FL 33990-1906
Dear Abel Arredondo:
This letter confirms that Cavalry Portfolio Services, LLC has received settlement in full on the above-referenced
account.
Thank you for your cooperation and the opportunity to assist in resolving this account. If you have any questions,
please feel free to contact us directly at (866)434-2995.
We would like to hear from you. Cavalry is committed to improving customer experience by providing our
customers with excellent customer service and ensuring that all of our customers are treated fairly and respectfully.
Please tell us about your experience with your Cavalry team member by e-mailing us at cavcares @cavps.com.
Sincerely,
Cavalry Portfolio Services,LLC
The law limits how long you can be sued on a debt. Because of the age of your debt,we will not sue you for it.
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR
THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
SEE REVERSE SIDE FOR IMPORTANT INFORMATION CONCERNING YOUR;.t.,...PY� _
• ,r.rj
PMTRCP_LTR
CVN.wfd
546290
00000772
Page I of 2
Notice of Important Rights
We are required by law to notify consumers of the following rights. This list does not include a complete list of rights consumers have under state and
federal laws.
In California: The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection
Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after
9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors
may not use false or misleading statements or call you at work if they know or have reason to know that you may
not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney
or spouse, about your debt. Collectors may contact another person to confirm our location or enforce a judgment.
For more information about debt collection activities, you may contact the Federal Trade Commission at
1-877-FTC-HELP or www.ftc..gov. As required by law, you are hereby notified that a negative credit report
reflecting on your credit record be submitted to a credit reporting agency if you fail to fulfill the terms of your
credit obligations.
IN COLORADO: A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the
consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized
by law to collect the debt. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT,SEE
WWW.COLORADOATTORNEYGENERAL.GOV/CA. Our in-state office address and telephone number is 80 Garden Center,Suite 3 Broomfield,
CO 80020,(303)920-4763.
IN MASSACHUSETTS:Notice of important rights. You have the right to make a written or oral request that telephone calls regarding your debt not
be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the
request postmarked or delivered within seven days of such request. You may terminate this request by writing to the collector. You may contact us
by telephone at(866)483-5139 between 9:00 am and 5:00 pm Eastern Time Monday-Friday or in writing at 500 Summit Lake Drive Suite 400
Valhalla,NY 10595-1340.
IN MINNESOTA: THIS COLLECTION AGENCY IS LICENSED BY THE MINNESOTA DEPARTMENT OF
COMMERCE.
In New York City: This collection agency is licensed by the New York City Department of Consumer Affairs. The license numbers are 1143718,
1126502, 1126497,and 1126494.
In Tennessee: This collection agency is licensed by the Collection Service Board,State Department of Commerce and Insurance.
In Utah: As required by Utah law,you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit
reporting agency if you fail to fulfill the terms of your credit obligations.
In North Carolina: This collection agency is licensed by the North Carolina Department of Insurance. The license numbers are 3824,3910,3911,
and 3912. Its true name is Cavalry Portfolio Services,LLC. Its true addresses are: (a)4050 Cotton Center Boulevard,Building 2,Suite 20,Phoenix,
Arizona 85040;(b)500 Summit Lake Drive Suite 400 Valhalla,NY 10595-1340;(c)4500 South 129th East Ave,Suite 165,Tulsa,Oklahoma 74134;
and(d)408 St.Peter Street,St.Paul,Minnesota 55102.
Privacy Notice
In accordance with federal regulations,Cavalry is giving you this notice to tell you how we may use non-public personal
information aboutyou and your account("Private Information"). This notice applies whether you are a current or a former
customer of Cavalry.
COLLECTION AND USE OF PRIVATE INFORMATION
We collect Private Information about you from the following sources:
LI Information we receive from you either directly or indirectly,such as information on applications or other forms,which may
include your name,address,social security number and income.
❑ Information about your transactions with us or others,such as your account balance and payment history.
LI Information we receive from consumer reporting agencies,such as your credit history and credit worthiness.
DISCLOSURE OF PRIVATE INFORMATION
We only disclose information we collect to affiliated and non-affiliated third parties as permitted by the federal Fair Debt Collection
Practices Act. We may disclose information we collect to:
o Credit bureaus
o The original creditor and entities that have had an ownership interest in your account
o Entities that provide mailing services on our behalf
o Entities that provide collection-related services on our behalf
o Others,such as third parties,when you direct us to share information about you
o Affiliated and non-affiliated parties if not prohibited by the federal Fair Debt Collection Practices Act or by other applicable laws
MAINTENANCE OF ACCURATE INFORMATION
We have established procedures to correct inaccurate information in a timely manner. If you have any reason to believe that our record of
your Private Information is incorrect,contact us in writing at 500 Summit Lake Drive Suite 400 Valhalla,NY 10595-1340. We will
investigate the situation and,when appropriate,update our records accordingly.
PROTECTION OF INFORMATION
We restrict access to Private Information about you to our employees who need this information to provide products and services to you.
We maintain physical,electronic,and procedural safeguards that are consistent with federal standards to guard your Private Information.
For account questions,comments,or general customer service,you may contact us at(866)434-2995 Monday through Thursday 9am to
9pm Eastern Time,Friday 9arn to 5pm Eastern Time,Saturday 9am to 1pm Eastern Time,or you may write us at 500 Summit Lake Drive
Suite 400 Valhalla,NY 10595-1340.
By sending your check,please be aware that von are authorizing Cavalry Portfolio Services.LLC to use information on your check
to make a one-time electronic debit from your account at the financial institution indicated on your check.
PMTRCP_LTR,
CVN.wfd
546290
00000772
Page 2 of 2
Martha S. Vergara
From: Clements, Karen
Sent: Friday, September 04, 2015 3:02 PM
To: Martha S. Vergara
Subject: Order to be filed
Attachments: 201509041447.pdf
Good Afternoon Martha,
Please find the attached Case No. 2015-04, from the Contractors Licensing Board meeting of August 19th, 2015. Mike
Ossorio, Supervisor of Contractor Licensing, asked that I send this to you to be filed, not recorded, with the other
exhibits from the contractor licensing board from last month (August 19th, 2015). If you have any questions you can call
me at 252-2450 or Mike Ossorio at 252-5706.Thank you.
Karen Clements
Contractor License Compliance Officer
Operations Department/Licensing Section
Growth Management Division
239-252-2450 office
239-252-2469 fax
Under Florida Law,e-mail addresses are public records. If you do not want your e-mail address released in response to a public records request,do not send
electronic mail to this entity.Instead,contact this office by telephone or in writing.
1
CONTRACTORS LICENSING BOARD
COLLIER COUNTY, FLORIDA
BOARD OF COUNTY COMMISSIONERS )
COLLIER COUNTY, FLORIDA )
)
Petitioner, )
) Case No: 2015-04
vs. ) License No. 31217
)
Joseph Brown )
d/b/a Anything in Doors, L.L.C. )
)
Respondent(s) )
)
ORDER
THIS CAUSE came on for public hearing before the Contractors' Licensing Board
(hereafter Board) on August 19, 2015, for consideration of the Administrative Complaint
filed against Joseph Brown d/b/a Anything in Doors, L.L.C., the "Respondent". Service
of the Complaint was made in accordance with Section 22-202 of the Code of Laws
and Ordinances of Collier County, Florida. The Board made a finding of fact that the
service conformed with the requirements ofthe Code of Laws and-Ordii,ances-ofeollier—
County, Florida. The Board having at said hearing heard testimony under oath,
received evidence, and heard arguments respective to all appropriate matters,
thereupon issues its Findings of Fact, Conclusions of Law, and Order of the Board as
follows:
Page 1 of 8
395045.1 8125/2015
FINDINGS OF FACT
1. That Joseph Brown is the holder of record of Collier County License Number
31217, as a Glass & Glazing Contractor.
2. That the Board of County Commissioners of Collier County, Florida, is the
complainant in this matter.
3. That the Board has jurisdiction of the person of the Respondent and that Joseph
Brown was present at the public hearing and was not represented by counsel at the
hearing on August 19, 2015.
4. All notices required by the Code of Laws and Ordinances of Collier County,
Florida, have been properly issued, hand delivered and delivered by certified mail In
accordance with Section 22-202 of the Code of Laws and Ordinances of Collier County,
Florida.
5. The evidence presented and testimony given established that the Respondent
acted in a manner that is in violation of the Code of Laws and Ordinances of Collier
— Gounty—Floridaras-follows:_as_to_Caunti_contracted to do work outside of the scope of
his license pursuant to Section 22-201(2) of the Code of Laws and Ordinances of Collier
County, Florida, and as to Count II proceeded on a job without obtaining applicable
permits or inspections pursuant to Section 22-201(18) .and is the one who committed
the acts.
6. That the Contractors' Licensing Supervisor and Staff presented sworn testimony,
and the administrative complaint and exhibits thereto were admitted into evidence. The
Page 2 of 8
395045.1 8125!2015
4
Respondent was afforded an opportunity to present sworn testimony, exhibits, and to
cross examine the Contractors' Licensing Supervisor and witness. The Board was
afforded an opportunity to ask questions of the Respondent and witness. The Board
determined that the allegations of fact as set forth in the Administrative Complaint, as to
Count I, Code of Laws and Ordinances of Collier County, Florida, Section 22201(2)
and as to Count II, Code of Laws and Ordinances of Collier County, Florida, section 22-
201(2) are true and therefore such facts are hereby found to be supported by the
evidence presented at the hearing.
CONCLUSIONS OF LAW
1. The Conclusions of Law alleged and set forth in the Administrative Complaint as
to Count 1 and Count II were supported by the clear and convincing evidence presented
at the hearing on August 19, 2015, and said conclusions of law are hereby approved,
adopted, and incorporated herein, to wit, the Respondent violated Code of Laws and
Ordinances of Collier County, Florida, Section 22-201(2) and Section 22-201(18) in the
performance of his contracting business in Collier County by acting in violation of the
sections set out above with particularity.
2. Collier County has jurisdiction over this contractor.
ORDER OF THE BOARD
Based upon the foregoing Findings of Fact and Conclusions of Law, and
pursuant to the authority granted in Chapter 489, Florida Statutes, and the Code of
Laws and Ordinances of Collier County, Florida, by a vote of 7 in favor and 0 opposed,
Page 3 of 8
395045,1 8125/2015
a unanimous vote of the Board members present, the Respondent has been found in
violation as set out above.
Further, it is hereby ORDERED, by a vote of 7 in favor and 0 opposed, a
unanimous vote of the Board members present, that the following disciplinary
sanction(s) and related order are hereby imposed upon the Respondent as holder of
Contractor's License Numbers 31217:
1. The Respondent shall be placed on probation for a period of one year under the
supervision of the Collier County Contractor's Licensing Supervisor's office.
2. Respondent is ordered to pay a fine in the amount of two thousand five hundred
dollars ($2,500.00) to be paid within 30 days as to Count I.
3. Respondent is ordered to pay $250.00 in administrative and investigative costs to
the County within 30 days as to Count I.
4. Respondent is ordered to pay a fine in the amount of one thousand dollars
($1,000.00) to be paid within 30 days as to Count II.
5. Respondent is ordered to pay $250.00 in administrative and investigative cots-to
the County within 30 days as to Count II.
6. Respondent shall take the Glass & Glazing trades test and demonstrate a
passing score within 90 days.
7. Failure to pay the fine or administrative costs as set forth above shall result in the
revocation of the Respondent's license.
Page 4 of 8
395045.1 W25/2015
8. If the Respondent fails to take the test or report the passing grade as set forth
above the Respondent shall appear before the Board at its then next scheduled
hearing.
The Respondent, any other party, the chairman of the Contractors' Licensing
Board, the Contractors' Licensing Board as a body, or the assistant county attorney who
tried the case may request a rehearing of any decision of the Contractors' Licensing
Board, A request for rehearing shall be in writing and shall be filed with staff and a copy
thereof should be delivered to all other parties within twenty (20) days from the date of
mailing or other method of delivery to the Respondent(s) of the Board's written decision.
A request for rehearing must be based only on the ground that the decision was
contrary to the evidence or that the hearing involved an error on a ruling of law that was
fundamental to the decision of the Board. The written request for rehearing must specify
the precise reasons therefore. The decision of the Board that is the subject of the
rehearing request will remain in effect throughout the rehearing procedure unless the
Board orders otherwise.
The_Board_wilLmake a_determ.i.n-a-tion_ s to whether or not to rehear the matter
and its decision shall be made at a public meeting, which will be reduced to writing and
mailed to the interested parties within 21 days after the determination is made. If the
Contractors' Licensing Board determines it will grant a rehearing, it may:
a. Schedule a hearing where the parties will be given the opportunity of
presenting evidence or argument limited by the Board to the specific reasons for which
the rehearing was granted; or
Page 5 of 8
385045.1 8/25/2015
b. Modify or reverse its prior decision, without receiving further evidence,
providing that the change is based on a finding that the prior decision of the Board
resulted from a ruling on a question of law that the Board had been informed by its
counsel was an erroneous ruling and which ruling could affect the substantive decision.
The parties are further notified that upon the timely filing of a Notice of Appeal
within thirty (30) days you may have the decision of the Board reviewed pursuant to the
procedure set out herein. The Respondent may appeal a decision of the Board to the
Collier County Circuit Court. Such an appeal shall not be a hearing de novo but shall be
limited to appellate review of the record created before the Board. Any appeal shall be
filed with the Circuit Court and served on the parties within thirty (30) days of the mailing
of the decision of the Board under the Code of Laws and Ordinances of Collier County,
Florida, Section 22-202(g)(9). If there has been a re-hearing request granted, the
appeal shall be filed with the Circuit Court and served on the parties within thirty (30)
days of the mailing of the re-hearing decision under Code of Laws and Ordinances of
Collier County, Florida, Section 22-205.
In the event that the Respondent elects to appeal, a verbatim record and
transcript of the proceedings will be necessary. It shall be the sole responsibility of said
party to ensure that a record is made from which a transcript may be prepared which
includes the testimony upon which an appeal may be taken. Neither Collier County nor
the Board has any responsibility to provide a verbatim record transcript of the
proceedings.
Page 6 of 8
395045.1 8125/2015
in accordance with Section 489.131(7) (c) and ,(d), Florida Statutes, the
disciplined contractor, the complainant, or the Department of Business and Professional
Regulation may challenge the Board's recommended penalty to the State Construction
Industry Licensing Board. Such challenge must be filed within sixty (60) days of the
issuance of the recommended penalty to the State Construction Industry Licensing
Board in Tallahassee, Florida. If challenged, there is a presumptive finding of probable
cause and the case may proceed before the State Board without the need for a
probable cause hearing.
Failure of the disciplined contractor, the complainant, or the Department of
Business and Professional Regulation to challenge the Board's recommended penalty
within the time period set forth herein will constitute a waiver of the right to a hearing
before the State Construction Industry Licensing Board and be deemed as an
admission of the violation such that the penalty recommended will become a final order
according to the procedures developed by State Board rule without further State Board
action.
Pursuant to Section 120.59, Florida Statutes, the parties are hereby notified that
they may thereafter appeal the Final Order of the State Board by filing one copy of a
Notice of Appeal with the Clerk of the Department of Business and Professional
Regulation, Northwood Centre, 1940 Monroe Street, Tallahassee, Florida 32399-0792, •
and by filing the filing fee and one copy of the Notice of Appeal with the appropriate
District Court of Appeal within thirty (30) days of the effective date of said State Board
Order.
Page 7 of 8
395045.1 8/25/2015
ORDERED by the Contractors' Licensing Board effective the 19th day of August,
X15.
%Wild . ifs
Patrick White, Chairman
Contractors' Licensing Board
I HEREBY CERTIFY that a true and correct copy of the above and foregoing
Findings of Fact, Conclusions of Law, and Order of the Board has been furnished to the
Respondent; and Mr. Michael Ossorio, Licensing Compliance Supervi or, 2800 North
Horseshoe Drive, Naples, FL 34103, on thi ? day of , 2015.
ecreta /Contractors' Licensing Board
Page 8 of 8
395045,1 8/25/2015