Arizona Tenants Advocates This Company Scammed Almost 700.00 and Ruined My Credit! Tempe Arizona

If you've gotten this far, you have enormous patience as a reader. Ms. Wallace's rebuttal to my rebuttal is almost 3,700 words long.

In her follow-up rebuttal, she claims that my initial rebuttal was vitriolic. Actually, if you go and re-read my rebuttal, above, you will see it was mostly factual in nature, and that the only vitriol was in quotes of Ms. Wallace from her own emails she previously sent to me.

Now, she adds fuel to the fire, but little substance. Here is the list of insulting and accusatory verbiage contained in her follow-up rebuttal:

hostility, 2x
overt hostility
attacking
aggressive
ruthlessness
contempt
cold-blooded contempt
contemptuousness
total disdain
mistreatment

acidic
vitriolic
caustic
blaming
rudely
sharp tongue

lied
vicious lies
deliberately lied
twisted the truth
false promises
deceived
deceptions
slanderous

scam
devious scam
deliberate fraud
lack of high moral character
don't have ethics

patently ignored
ignored
stone-walling
neglected

greedy
greed
insatiable greed
avarice

no remorse
deliberately
desperate
spurious
insidious, 3x
deplorable
shameful
pathetic, 2x
cowardly
man-on-the-run
hides

From this, it is obvious to me that Ms. Wallace did not herself pen the follow-up rebuttal. Look at the writing style. It does not match that of her original report or the other report she filed. I recognize the language; it is from the other person whom she had threatened to contact. So, apparently, Ms. Wallace has made good on her forewarned intent to ally herself with my adversary in business litigation.

Vitriol, anyone? This is clearly the kettle calling the teapot black (no racial slur intended, now or before).

Let's re-focus on the facts:

1. The personal loan issue had nothing to do with my business practices. It should not even be brought up in reference to a business matter. Even so, there were not 3 checks bounced. I bounced one, there was one stop payment, and to my best recollection that was it. But, in any case, there was no intent on my part for this to occur. Nor does it mean that the stop payment was placed as a result of another person's dissatisfaction with my services, which is the conclusion to which Ms. Wallace jumps. The bottom line is, as previously stated and acknowledged by Ms. Wallace, I repaid the loan and added $200 in compensation to Ms. Wallace. Again, not a business issue.

2. Race was never contemplated in my dealings with Ms. Wallace. Yet she keeps insinuating that it was. The more she brings this up, the less credible she is. I constantly work with tenants of all races, cultures and creeds.

3. There were not 3 letters prepared for Ms. Wallace, but 19. I previously listed them. These included a response to Equity.

4. Ms. Wallace makes issue of the fact that I prepare form letters. That is the kind of work I am authorized to do. It is a limited type of legal practice, authorized by the courts. That is known by all my clients. Yet, it takes great expertise to properly prepare the letters, not always so simple as merely filling in blanks.

5. Ms. Wallace intimates that I was supposed to call her landlord or legally represent her. Actually, I am glad she brought up these alleged deficiencies on my part. The fact is, I am prohibited from negotiating for or representing anyone. My clients clearly understand that my work is limited to the preparation of legal documents, and this was made clear to Ms. Wallace, too. Anything else would by the unlawful, unauthorized practice of law.

6. All my clients, including Ms. Wallace, understand that they are responsible for paying postage and mailing letters. There was no rudeness in telling her this, and she never before made an issue out of it. There is no issue to be made of it.

7. Ms. Wallace did not pay me $680.00. She repeatedly refers to records that she supposedly has, but keeps getting wrong how much she paid, which actually was $602.65.

8. Her confusion extends to the historical record, too. She was fully informed of all steps involved, in writing and verbally.

9. Another inaccuracy: My website did not have a guarantee for refunds, and no such language was then removed, as Ms. Wallace asserts. This is totally off the wall.

10. The truth is the casualty also regarding this woman Connie. In fact, for years Ms. Wallace did not recollect Connie's name, but now, by way of a third party (the litigation contact) who is known to have been in contact with Connie, all of a sudden the name is known. On the one hand, Ms. Wallace states that she is in contact with Connie, who allegedly was present at all stages, and that Connie allegedly said all these things that undermine my position about the work I did for Ms. Wallace. Yet, Ms. Wallace then turns around and accuses Connie of not bothering to care or tell Ms. Wallace what she was supposed to do. As it so happens, shortly after Ms. Wallace left town, Connie was no longer working for me. And I disbelieve that Connie has since been in contact with Ms. Wallace. But it really doesn't matter, because I have fulfilled my contractual obligations to Ms. Wallace, and have the records to prove it in her file. I did what I was supposed to do, for the entire contract period. She never was refused help from me.

11. The essential fact of Ms. Wallace's situation is that she did not provide me with information I needed to prepare letters to the credit bureaus. (As early as May 29, 2006, she sent me an email acknowledging that she was having trouble getting copies of her credit reports to send to me.) And, that my contract with Ms. Wallace expired over two years ago, which also was more than a year prior to her first posting to this website.

12. She was never told she would have to pay for any service to erase her bad credit. Instead, she did not avail herself of my offer to prepare legal documents to deal with the credit issue, because she knowingly did not submit the necessary paperwork to me in order for me to write them. And she did not avail herself of using a third-party attorney who could have represented her on a contingency basis. How she gets off characterizing the attorney as questionable is beyond me, because she never even talked to him or met him.

13. Finally, what's with her innuendo that there is something shady about the fact that I came across this report of hers on this website? Her unspecified accusation bespeaks much of her motivation to dredge up any dirt she can on me, valid or meaningless. But it don't stick. Ms. Wallace, if you ain't got something substantive to say, keep it to yourself. It only makes you look bad to cast about for implied minutiae in any effort to discredit me.

This is not to say Ms. Wallace has not suffered. I do believe she has. But I did not cause her suffering. I did what I was hired to do, whereas she did not step up to the plate so I could finish the job for her. Anything more she might respond to this will not change these facts. Rather, it will just support my contention that her allegations are nothing more than a vendetta, in all likelihood in collusion with others whom she has, in her email quotations above, threatened to contact.

Putting this all in perspective, consider what Ms. Wallace vowed, word-for-word, in her previous emails to me:

Quoted verbatim:
I want my money back or I will continue to make it my BUSINESS to tell the WORLD how TWISTED, SICK, PERVERTED and RACIST you ARE!!! You Piece of S**T!

Quoted verbatim:
AND YOU'RE NOT GOING TO HEAR THE END OF THIS! F***ING GURANTEED!! YOU HAVE ONE ANGRY BLACK WOMAN DETERMINED TO LET EVERY AGENCY AND ORGANIZATION KNOW WHAT YOU DID TO ME! AND MARKETING AND PROMOTIONS IS MY HOBBY... YOU MADE ONE MAD BLACK WOMAN HOT ON YOUR A**!!!

Of course, I would be the first to admit that, at this point, there is no love lost between Ms. Wallace and me. She speaks of my so-called powerful attorneys, but in fact this assertion was never even previously contemplated by her, and is laughable. I wish I had a bevy of powerful attorneys. But there have been times when I have indeed hired attorneys, especially in dealing with my adversaries in litigation, whom apparently Ms. Wallace has contacted.

So, when you read this report, carefully consider Ms. Wallace's language, insinuations and accusations. They are hither and thither, but not on target. All this stuff about the loaned money and bounced checks is just a red herring. Her whole claim about my business practices is baseless. For all these reasons, she lacks credibility.

By contrast, I suggest you evaluate my business yourself by checking out my website www.arizonatenants.com including the Success Stories sections. Since 1993 I have had over 9,000 appointments helping Arizona renters. All the dirt Ms. Wallace has thrown at me cannot soil my achievements in working with residential tenants for over 15 years.

What a nice rebuttal, Mr. Volk! But you forgot one thing! Do you ALWAYS ATTACK those past PAID IN FULL customers that you failed to help and REFUSED to give them AT LEAST their money back in PUBLIC with such ACIDITY, SCORN and RANCOR?? Everyone should now be able to SEE for themselves the kind of person you are without my saying another word. Didn't your attorney's tell you NOT to POST to PUBLIC SITES, such as this, Mr. Volk? Too late now!!

Is this 'par for the course, Mr. Volk? An overall indication to ANY POTENTIAL CUSTOMER that this is what they can EXPECT if they DARE to go up against the mighty and greedy Mr. Ken Volk and AZ TENANTS ADVOCATES if they fail to be helped?? Please read on for my REBUTTAL to Mr. Volk's rebuttal.

This is a pathetic and desperate attempt to place blame on the VICTIM of Mr. Volks' open HOSTILITY, INCESSANT GREED and TENDENCY to DENY RESPONSIBILITY after taking the MONEY and RUNNING!! He failed to fulfill the CONTRACTUAL TERMS and GUARANTEES in his own Agreement! Also, he quickly took down from his website the GUARANTEE that if he couldn't help you he would give you your money back in 3 months!!
Well, if you go ahead and deal with Mr. Volk, and he fails to help you, your chances of getting your money back are nil. Zip! Nada! The moment I pointed out the guarantee on his website to Mr. Volk, when I was asking why, me a Black woman wasn't getting a refund when his website CLAIMED it - THEN HE PROMPTLY TOOK IT DOWN!! If you are Caucasian you might have a BETTER chance then I ever did, however, whether you are Caucasian, Hispanics or African American, etc. PLEASE tread lightly around Mr. Volk and AZ TENANTS ADVOCATES! You have been warned! The way he is attacking me HERE strongly INDICATES he may very well do the same to you if you DARE COMPLAIN! Your legal RIGHTS last I checked.

It would now seem that ALL the things I took Mr. Volk to task over he has corrected, updated, erased or hidden in order to protect himself in his new contracts he gives to his new marks' (uh, sorry, customers).

Just for the record, Mr. Volk could have asked me for my SS# at any time. He never did. Now I hear from his other potential customers RECENTLY- he does ASK up front now. Something he FAILED to do with me! (I wonder why?) Heck, he was asking me for EVERYTHING ELSE like a CASH LOAN yet the subject of my SS# never came up! Which explains why Equity Residential could wreck such devastation on my credit in ALL three bureaus! Now, along with what Mr. Ken Volk did with passing me THREE HOT CHECKS (one was his OWN!) My entire TRAIN WRECK of a business relationship with AZ TENANTS ADVOCATES is even more diabolical! I would be willing to swear IN COURT that Mr. Ken Volk nor Connie Z EVER asked me for my SS#. And he had lots of chances to do so by his OWN confession! Instead he told me to ask for copies of all three of my credit reports! And to do it within the next week or some such impossible time limits!

And the only attorney Mr. Ken Volk or his office referred me to was HIS OWN!! Another LIE posted by Mr. Ken Volk as HIS version of the 'truth'!

If you have ever gone to the credit bureaus you cannot get your credit report IN THE MAIL within any short span of time! That was Mr. Ken Volks' mistake and after I called him and told him I was having trouble just finding the CORRECT MAILING address for all THREE bureaus. He literally turned his 'back on me' after that. No offer to help me. An office like his would have the correct addresses, right? Did he offer ONCE to give them to me when I told him of my troubles? No. He refused to talk to me after that. I said earlier, but that is what I paid YOU for!I never thought until he wrote that above that was the subterfuge he was hiding behind. Is there NOTHING this man won't do to DENY RESPONSIBILITY?? No. Obviously not.

He is ONLY concerned that his FUTURE Customers may see what I went thru here. By doing a character assassination' on me names, lying and twisting the truth (I can't send Mr. Ken Volk thousands of emails. My account would have been shut down if I had done that! I still have it without any problems from the mail server or staff of TOS. Another lie!!

Shame on you, Mr. Volk! We both know if I was WHITE you wouldn't be so CONTEMPTUOUS of me and OPENLY slander me like that, now would you?? Come on. Get real! I won't say I haven't used some foul language towards Mr. Ken Volk. Who wouldn't? But I'm sure they are not any names he hasn't been called before! (And will be called again if he continues to SCAM people and HIDE behind his powerful and well paid attorneys to protect him!)

Mr. Volk ALWAYS comes from this MODUS OPERANDI of pure COLD-BLOODED GREED and AVARICE hidden behind a charming smile and a used car salesman's TACTICS! Don't be fooled! I can prove these allegations in any court of law!

When I first signed up and gave Mr. Ken Volk my $680.00 to get me OUT of my lease LEGALLY (what a SCAM!!) he, within 2 days time, asked ME for a loan of $300.00!! I was reluctant (as well as surprised that the OWNER would be bumming a CUSTOMER for a loan!) but encouraged and assured by his then associate -Connie Z-that he was good for it! But I FIRST insisted on his WORD (found out later how much THAT was worth) that he would repay me IN KIND (CASH) by the following week - I counted out $300.00 to Mr. Volk personally!

Mr. Volk became a 'man-on-the-run' after that! So VERY, very hard to get a hold of to get my money back it became RIDICULOUS! One week became TWO then Three and then over a YEAR! Before I finally got a money order as I refused any more CHECKS from that man of ANY KIND! Mr. Volk, in that year, deliberately gave me HOT CHECKS from clients that had come into AZ TENANTS ADVOCATES, left and later suffered BUYERS REMORSE (and perhaps told Mr. Volk UP FRONT - they were placing STOP PAYMENTS on the checks ahead of time and he was thus WELL AWARE? Only an intensive CRIMINAL INVESTIGATION will determine that) about giving him their money! Those checks he then gave to me! Three in all! Three! One was his personal check! Not worth the paper it was written on according to my bank!

I have one in MY POSSESSION and my bank has all three on microfiche or two of the physical ones, in their files! (Not sure about how banks deal with hot checks.)

Checks from third party people he said were his clients - were NOT! I found out they had put a STOP PAYMENT on each check that Mr. Volk had passed off to me as GOOD! I believe that because I am a Black woman, Mr. Volk thought by giving me HOT checks he would be rid of me and I would give up and disappear! Little did he know!

My bank, after the third check had bounced from Mr. Volk, put a freeze on my account, posted huge overdraft charges and then reported me to Chex Systems.

I cannot open up any Federally insured bank account ANYWHERE! I had a great banking relationship with my bank and I can prove it! BEFORE Mr. Ken Volk passed me those bad checks I could open a bank account anywhere! My history with that bank is EVIDENCE in any COURT OF LAW!! I have been told I can contact Chex Systems and with the help of my bank produce the hot checks given to me by Mr. Volk over that year. As stated, I have one of the hot checks that Mr. Volk gave me! Complete with the signatures, paid to, etc. including the stamp on the back from my bank!

My bank announced they were freezing my account and later closed it. I was sitting in my bank shortly after this last check, trying to learn what happened and why they had closed access to my account? I was given one of the HOT checks from a BANK REPRESENTATIVE that was from a couple (who obviously felt that Mr. Volk's company and perhaps Mr. Volk himself, was not worth their time and money! Very smart people! I was not so smart and hope by posting to sites like this, I can help others -even ONE person- avoid this same monstrous MISTAKE I made! It's better to go to your landlord DIRECTLY and try to work something out!). Or go to a good lawyer! I WISH TO GOD I HAD!

I'm hoping that by taking WHATEVER LEGAL ACTIONS NECESSARY TO CLEAR MY CREDIT, that in time it will re-instate my good name. It may involve an overall Criminal investigation and/or AUDIT into Mr. Volk's banking and accounting methods as well. However, I doubt I will ever be able to come up with over $4,000.00 that the former landlord (Equity) finally charged me and placed on all three credit bureaus! I have suffered from many injuries and can't work so am unable to pay or even fight Mr. Ken Volk, his powerful attorneys and AZ TENANTS ADVOCATES!

Thank you Mr. Volk for showing your total 'compassion' and 'willingness' to 'go the extra' mile by attempting to place BLAME on me- the customer who WANTED to get this done and paid you good money to do so!

Now, you LIE to the PUBLIC- in order to prove your innocence in pathetic DENIALS and overt HOSTILITY rather then trying to REMEDY the situation, going on now over 3 years, with ME!!! And I have tried for months, then years to give you chance after chance. And you never budged!!! Never! But you forced me to go to the authorities. So, you only have yourself to blame for postings like this. I gave you 2 years and you treated me with total contempt and had your office treat me the same way!

Even years later IF I DARE CALL your little office and give my name, there is instant RECOGNITION and no hesitation. They lay the phone down (they don't know how to use the mute' button, Mr. Volk? Not very well trained, are they?) and I can hear them go and ask you what to do about ME! Clearly! They always come back and say you are either out of the office' or 'at a meeting'. HA!! How pathetic!!

I would say that Mr. Ken Volk is a smart but truly DEVIOUS man who has learned from his mistakes with ME (deliberate or otherwise) and now has CORRECTED -& ADDED ON HIS NEW CONTRACTS that you have to give him your SS# up front. My contract has no such request. If it did, and I did NOT put it down as Mr. Ken Volk claims, then WHY DIDNT HE SIMPLY POINT IT OUT? Or ASK ME FOR IT?? I had just PAID him CASH money of $680.00. Why wouldn't I do exactly as he or Connie Z demanded of me? The answer is - I did! Like any other American you seek to 'get what you pay for'. I just happened to be in the wrong place at the wrong time and made a ghastly mistake in judgment and misplaced trust! I was not even given the same considerations of others he has probably helped. Who had HARDER cases then I!

He had plenty of chances. What about ALL those times I called the office BEGGING for his help (or my REFUND)? The subject never came up because Mr. Ken Volk was too busy HIDING from me. Ignoring my DESPERATE PLEAS for his help! My skin was brown admittedly but my MONEY WAS GREEN!! For him to say he continued to send letters (a lot of good that does!) even a year later is LUDICROUS!! In all the times I was calling him he never once said he was still trying to help me! If he had I would have FELT at least he was trying! No. It's a LAST DITCH EFFORT to EVADE REFUNDING my MONEY back! He lies to cast BLAME on me, the PAID in FULL CUSTOMER! It's made up to DISCREDIT me and protect his CASH COW! The very fact that he ADMITTED he HAD to keep writing letters LONG PAST the Guarantee (that he will break your lease in 3 months or you get your money back) should tell you this man's word is not worth a hill of beans!

Given the fact that Mr. Volk has posted this rebuttal in such an aggressive, acidic and spurious manner towards me a minority and a woman- may not be enough to convince someone of Mr. Volk's pathological tendency to lie, dishonesty and misleading advertising. His incredible CAPACITY to KEEP that money in spite of FAILING to help me 'break my lease' (as he so proudly proclaims in all his ads and on his website) may not be enough to persuade you! Why hasn't he offered me just my $680.00 back in recompense rather then arguing my posting to sites like this? Or forcing me to report him to Governmental agencies, when that's the last thing I wanted to do?

Even when I warned him countless TIMES - I would take it the proper authorities, he IGNORED me and STILL KEPT MY MONEY?! He, in his rebuttal (see above) called it extortion'! When did having a right to ask for your OWN money back for SERVICES NOT RENDERED become extortion?? Tsk. Tsk, Mr. Volk. That was not very nice! Another example of your forked' TONGUE, Mr. Volk?. Contemptible at the least, Mr. Volk. Is NOTHING beneath YOU, Mr. Volk? Apparently NOT!

Even though you have attacked my character you also make criminal accusations against a CUSTOMER who NEVER got what she PAID FOR. And you acted to MY FACE and in every other way- as if you could care less!! So, if a future customer reads your rebuttal they had better beware that ASKING for their OWN money back will be construed by you as Extortion!! How very REPTILIAN, Mr. Volk!!

People be very careful! IF YOU DARE to do business with Mr. Ken Volk and AZ TENANTS ADVOCATES, after you give HIM your money CONSIDER IT GONE!!! Whether you get SERVICES RENDERED or NOT! Just kiss it goodbye or end up being slandered and attacked like me!!

Now, was this so-called claim' that he WORKED on letter writing on my case, up to a year later, just a flimsy EXCUSE to JUSTIFY him KEEPING MY MONEY??! If you did write letters' on my behalf, Mr. Ken Volk THEY FAILED MISERABLY!! And this claim' that you DID is just a transparent and pathetic EXCUSE to KEEP MY MONEY!!! Even a 5th Grader can SEE thru that!!

If I were YOU, Mr. Ken Volk, many of those things you say weren't really necessary for posting HERE. It fails to make you look very PROFESSIONAL, ETHICAL, empathetic or innocent. Things that you wrote are now PUBLIC FODDER. Private things I never spoke or printed anywhere outside of you and your ex you DID yourself! You should be feeling pretty FOOLISH right now AIRING your DIRTY LAUNDRY like this!!

But, the answer is pure and simple - you are a man of INCREDIBLE and INSATIABLE GREED with total CONTEMPT for me, his former PAID THRU THE NOSE' customer as well as the LAW! Last I heard it was against the law to knowingly pass bad checks! Or make FALSE PROMISES you aren't able to keep - called Consumer Fraud! And lie to governmental agencies with an attitude of she's gone off the deep end'. That's a heck of a thing to call a customer who merely wanted her money back. Who now wants to WARN EVERYONE that's willing to listen and that cares about their credit!


My particular lease issues should have been a very EASY case because I NEVER even MOVED into the apartment! It should have been a CAKE WALK even for AZ TENANTS ADVOCATES!! It was filthy and it was in SCOTSDALE! It had drug paraphernalia in the fireplace ashes. The garage electric unit for opening and closing the garage door was hanging down so low it almost touched the hood of my car! Not to mention all the deplorable filth, rotting porch, standing water, etc. that was found. And later documented by an Appraiser that I had to fork over an extra $150.00 for!


I could NOT move in that apartment! And never did. Then I recalled seeing the ad on the back of the Phoenix New Times. In spite of doing every thing that Mr. Volk and Connie Z told me to. (To this day, Connie fervently SWEARS I did EVERYTHING right as I was told. (Mr. Ken Volk later fired Connie Z) for reasons I'm not aware of months after my case should have been settled with Equity. They had guaranteed that they would break your lease in 3 months or give you a refund! Then I was told ALL was taken care of, and there that was NOTHING else for me to do but wait. I did question why it was taking so long? The threatening letters from Equity had not slowed down any! Actually, they seemed to be speeding up! They said it was just a matter of waiting for their response. I relaxed believing and TRUSTING AZ TENANTS ADVOCATES and Mr. Ken Volk. So much so, that I later went on vacation for the summer. He had taken my money in January of 2005. It was now May 2005. A full 5 months later and the letters never stopped. I know. I had my mail forwarded to my vacation address.

It was during this time that Mr. Volk TOOK ADVANTAGE of my absence and then patently IGNORED my case, I strongly believe! Out of sight, out of mind', hey, Mr. Volk? Although, I was still getting these letters from Equity I was told it was 'NORMAL' and just a matter of time before they offered me not only my deposit back but a payment as well for such a horrible apartment offered to a minority! But it never happened!

Connie Z had assured me that I had done everything but later admitted to me - in CONFIDENCE- they were NOT prepared for the intense and aggressive ACTIONS by Equity Residential and their powerful attorneys! Even though both Mr. Ken Volk and Connie Z had claimed INITIALLY that they had dealt with Equity before and found them to be 'easy' it was NOT the case. Equity Residential, even with the knowledge that the apartment was in deplorable condition unfit for human habitation, went after me 'hammer and thong'! Mr. Volk never verbalized his shock or surprise by their aggressive tactics! However their initial CLAIM was the final factor that helped me decide to give them my money, saying Equity Residential had been an 'easy' case in the past. Cash. $680.00. I did my part but AZ TENANTS ADVOCATES and Mr. Ken VOLK miserably failed and don't have the GUTS or the ETHICS -to this day- to admit it or give me my money back!

I have been shown nothing altruistic, apologetic or compensatory in all that time just very much the opposite! When you are talked to with contempt by the office staff, slandered by the OWNER of the COMPANY and told excuse after excuse, that company or business is giving you the run around' and saying BY ACT and DEED that you are of no VALUE and are TOTALLY DISRESPECTED in every way. They might as well say,
Yes, we have your MONEY and we AIM to keep it!! Whether you got what you paid for or not! Too blanking' bad! Now leave us the blank alone while we service other customers.

And Mr. Volk's acidic tongue and attempted CHARACTER ASSASSINATION of me is proving me right to believe that even more as you can read above! (If I wind up missing or dead I have mailed letters to all my relatives with copies of what he has said to me. Just joking...maybe.) That's why I'm convinced it was all a deliberate FRAUD designed to TAKE MY MONEY and KEEP it whether they helped me or not! It is my honest and sincere belief based on what I have experienced, lost and have gone thru after paying them to help me over three years ago that I was deliberately LIED to and DECEIVED! And worst IGNORED when I was BEGGING for Mr. Ken Volk's help and attention yet he IGNORED ME ON ALL FRONTS!! Was it their BLATANT ERROR (deliberate?) to FORGET about getting my SS# because they had what they really WANTED my MONEY? Or it merely slipped their minds' that they NEVER ASKED FOR MY SS#? All I can say is that this man made it an ART in IGNORING me and teaching his staff to do the same! Does that sound like he told me he was helping but needed my SS#? I don't think so!

And now he writes such CONTEMPTUOUS LIES that he has HELPED ME? If I was that AWFUL why WOULD he?? If I was that bad then why not TELL me he had helped me? The reason he didn't chime in and say,

"Ms. Wallace, I AM helping you. I can prove it. But I do need your SS#. Could I have it please? So, simple to do and it wasn't like I couldn't be FOUND! I was in HIS FACE A lot!!! He has admitted that much himself! Then what excuse does he have for NEVER ASKING ME?

Probably, because it's just another BALD FACED LIE! Not to HELP me at all but to PROTECT his BOTTOM LINE! His Cash Cow! AZ TENANTS ADVOCATES at all costs and no matter how many heads have to roll to do it! His SHARP tongue is attempting to cut off my credibility. What is next?

Yes, nothing of the sort ever took place. You would think he'd tell me that just to get me to stop writing to sites like this or the government agencies wouldn't you? But the reason he NEVER told me NOR had his staff tell me was because IT'S A all a pathetic LIE and an apparently DESPERATE one!! Just for this site to make him look blameless and HONEST! And to protect his CASH COW!! Trashing me in the process makes him look like a big man, right? Attempting to teari apart my credibility makes you more of a human being, does it Mr. Volk? And I wouldn't put it past a SCAM Artist like Mr. Ken Volk to actually have SOME letters that he has TYPED AFTER THE FACT just to CYA! (Cover Your Asp) right, Mr. Volk? You are so DEVIOUS!!

But, this is against the law and is called Consumer Fraud, Mr. Ken Volk! I AM willing to SWEAR to the above in a COURT of LAW...or take a polygraph test...If Mr. Ken Volk will! But I DOUBT he has the CAHONIES!!! LIARS operate BEST in the DARK! (Or hiding behind their well paid lawyers! Pretty much the same!)

Equity's attorneys sent dunning letters for weeks that turned into months then to years!!! Demanding payment for monies they said I owed, increasing late fees, attorney fees, etc, in spite of the MAILINGS I did AS ORDERED BY both Ken and Connie Z. Yet, after submittal of ALL the LETTERS, I was attacked and charged by Equity's attorneys! And, it seems that those letters' Mr. Ken Volk, claims he ALSO sent didn't do any good either. That should give anyone considering handing their MONEY and their TRUST to Mr. Ken Volk's AZ TENANTS ADVOCATES a cause to pause'. It would seem those letters just made them MAD! And now, on this website, Mr. Ken Volk himself claims he STILL FAILED TO HELP ME!

So, that's ALL you get from AZ TENANTS ADVOCATES! Just some stupid letters (Mr. Ken Volk has kindly posted those letters I never saw!) Previously, I had to SIGN MY NAME to the first three. What did you do, Mr. Volk? Forge my signature? At the beginning you INSISTED I had to SIGN EACH LETTER! What happened with these letters I NEVER SAW?
These letters requested they GIVE YOU BACK YOUR DEPOSIT (seriously, Mr. Volk, did you use my signature on those letters you claimed you sent that I never heard about? I'd be very curious!) As well as a settlement for the deplorable conditions of that apartment (pawned off on someone that was African American too)! But that's IT!! That's ALL Mr. Ken Volk and AZ TENANTS ADVOCATES did for me!!! No phone calls to the landlord! No legal representative from AZ TENANTS ADVOCATES supporting you and STANDING BY YOU!!! Nothing remotely like that for my case!


All the calls I made to Mr. Ken Volk BEGGING him - and PLEADING with him directly thru emails (or his staff later) -to do something (after I was on vacation initially and began getting the letters increasing in threats of legal action, humongous charges, etc. escalating as time went by) to DEAL with EQUITY's threats as I had PAID him and he had PROMISED I could get OUT of my lease LEGALLY to HELP ME! All these attempts and pleas -over weeks, then months -were met with stone-walling, denials and TOTAL DISDAIN for what Equity was doing to me! None of my calls for help were given any attention and definitely NO respect. Now it seems he claims he did send more of those innocuous letters' which apparently, Mr. Ken Volk DONT WORK! They are pathetic!! A Sham! A scheme only set up to take advantage of desperate people who TRUSTED YOU!!! I did and look what happened to me. And read how he talks to me!!! Such CONTEMPT! Such SCORN! And this is PURE SLANDER! Upon my Character and my RACE!!! I doubt Mr. Ken Volk would print such against a person of his OWN race!! And even now, the man has no SHAME!! To attack a former PAID UP FRONT customer and treat her like this in a public forum is REPREHENSIBLE!!! Who has every rRIGHT to COMPLAIN and WARN others! This isn't n**i Germany, Mr. Ken Volk, although you may thump your nose' at Federal Laws, Civil Rights and LIE to Governmental agencies this is AMERICA, Jack!!!

I was given all kinds of excuses by his staff; that he was not available (I even heard Mr. Volk IN THE BACKGROUND -telling the girls (or guys) to TELL ME he wasn't there! The gall!!) And later telling his staff to tell me to go PAY a questionable service to 'erase my bad credit'! If those things WORKED no one would HAVE bad credit, now would they?!! So, why should I HAVE CLEAN UP after you? And continue to throw away MORE 'good money after bad' behind AZ TENANTS ADVOCATES and Mr. Volk and his staff who ALWAYS answer to HIM? If AZ TENANTS ADVOCATES and Mr. Ken Volk had FOLLOWED thru on their CLAIMS in the FIRST place and legally got me out of my lease, my credit would not now be in the toilet!

For Mr. Volk to say otherwise, verbally attacking ME, is an insidious (and possibly racist) slur on me as a human being and as a NEGLECTED and steadily IGNORED former customer who had paid UP FRONT for their HELP! Money I may never see based on the above rebuttal and past CONDEMNATION and mistreatment of me, and my case, by Mr. Ken Volk. He has never ONCE offered to settle this, people. Not once!

The facts are, I had GOOD CREDIT for RENTING any NICE place I wanted, BEFORE Mr. Volk and his DEVIOUS SCAM ruined it all! By 2006 the negative marks were already placed. I now have bad credit AFTER Mr. Ken Volk got thru with me! So, for RENTING any thing NICE OR getting a Federally Insured bank account is HISTORY! And that can be DATED and TRACED directly back to my dealings with Mr. Ken Volk! All three credit bureaus have posted negative CREDIT due to my signing with AZ TENANTS ADVOCATES and Mr. Ken Volk's insidious and deplorable way he mishandled my case! This is on RECORD people!!! With ALL three credit bureaus! This is on record going back only 3 years and is EVIDENTIAL!

I did ALL that I was supposed to. It was the FAULT of AZ TENANTS ADVOCATES because they never asked for my SS#. His customers now tell me he had it PERMANENTLY on the contract where as before WHEN I signed it was not there. Mr. Ken Volk just himself CONFIRMED that!! All I was told to do I still have the RETURN RECEIPT! I was RUDELY TOLD to PAY THE POSTAGE MY SELF AND MAIL the letters!!! I did mail ALL three letters! Form letters they were. They just filled in the blanks with the newest paid in FULL customer. That's all! (I still have the copies by the way on my computer) that they fill in YOUR name and address, etc. and have YOU sign it! But they DON'T WORK!!! I kept copies of ALL I was told to MAIL on my computer and in emails KEN and/or Connie sent me! Nothing ELSE was ever sent to me! If Mr. Ken Volk is claiming I didn't do everything then that ERROR rests directly on HIM! I was told the opposite - that I had DONE all I was supposed to! They screwed up and know it and are playing the Blame Game for all their worth!!! (uh, the Cash Cow) is WORTH!

If I didn't do ALL I was supposed to do it was because Mr. Ken Volk and Connie DIDN'T BOTHER or CARE to TELL me!! But once Connie Z was fired it totally became the RESPONSIBILITY of Mr. Volk to inform me. Or his staff. Even the janitor! I would have been RAPTUROUSLY HAPPY to be told even something remotely like that!! Something. ANYTHING!! And bent over backwards to give Mr. Volk (or his staff) anything they needed!! But, all I was given was the 'cold shoulder' mixed with contempt! (see the above from Mr. Volk) So, predictable after 3 years, now people will you believe me? Please be careful!

While I was on vacation they had my contact #s and my email address at ALL TIMES although by then it was 5 or more months later. And the FACT that Mr. Volk REFUSED to help me when I alerted him to what Equity was demanding of me BUT HE DID NOTHING! IF I had not done everything he would have told me THEN, right? He never did ANY SUCH THING! Never! Instead, he steadily provoked me every chance he got! Never said he needed ANYTHING ELSE FROM ME. But I had ALREADY been TOLD I had DONE everything and all I had to do was WAIT!!

So it was Mr. Ken Volk that did NOT do ALL HE was supposed to!! He is apparently not beneath POSTING LIES to the PUBLIC or to GOVERNMENTAL AGENCIES to make himself and AZ TENANTS ADVOCATES look totally BLAMELESS and innocent! Which is a SHAMEFUL and COWARDLY way to treat a former customer that had placed her total TRUST and MONEY in AZ TENANTS ADVOCATES and Mr. Ken Volk!! Just the act of posting this vicious verbal attack on me should SCREAM MOUNTAINS about this man and his character (or lack thereof!) and the LENGTHS he will go to avoid giving out REFUNDS. At least to me.

Mr. Volk will do (and HAS DONE) EVERYTHING to keep the TRUTH of what he has done AND IS GETTING AWAY WITH - from the PUBLIC at large.

I have been at the receiving end of Mr. Volk's vicious LIES, sharp tongue and deceptions for THREE LONG YEARS and MORE! (added with the above plus his emails to me) Mr. Ken Volk has DELIBERATELY LIED and TWISTED the TRUTH to GOVERNMENTAL AGENCIES with no REMORSE or HESITATION whatsoever! I have experienced his propensity for lying FIRST HAND and up close! He can write such things like that about me because he knows I'm broke and a minority and he fears NOTHING from me! Thank God for venues like this!

Even when I wrote him BEGGING for my $680.00 back -at least THAT- he rarely deemed to respond and when he did it was in one or two sentences usually attacking me for wanting my own money back, denying he ruined my credit! Denying he was to blame and yet never once saying he was still helping me! Strange, that

You'd think it's the LEAST he would LOVE to do, right?? Just to get rid of me or shut me up?!? No way!! (This man would squeeze BLOOD from a NICKEL if he could! And it's not for want of trying!!) And this POSTING and attack of me is NOT EXACTLY loving, is it? Where IS the love, Mr. Volk, if you did those things? Why hide it from the VERY ONE YOU CLAIMED to do it for? And after all this time? Why NOW? Hmmm? Tough love, eh? Still feels like LIES to me!

Mr. Volk is not a man that plays by any rules but his own! He is a man who HIDES behind his battery of powerful and WELL PAID attorneys to KEEP him IN BUSINESS and continually RAKING in the dough from unsuspecting trusting people like me!!

It's corporate RUTHLESSNESS at its WORST! Corporate laws are ALWAYS created for the benefit of CORPORATIONS and NEVER the people that made them rich and powerful to begin with!! This man is totally capable of ANYTHING to protect his CASH COW, which is AZ TENANTS ADVOCATES!

I have the contact information of the people who wrote that one check and later placed STOP PAYMENT on, and my bank has the rest in one form or another. Mr. Volk may deny he knew they were hot (one was his own how could he NOT?) and I would understand IF it was only ONE check! Maybe even two (although that's a stretch)! But THREE hot checks given to me over a period of a year where Mr. Volk INSISTED they were GOOD!!??? That strains the very fabric of CREDULITY, logic and AGAINST ALL ODDS!!


In closing, by being attacked like this, reveals undeniably, that Mr. Ken Volk has exposed himself as the kind of man who is capable of VICIOUS ATTACKS, SLURS and SLANDER! And could care LESS about how he ruined my ability to ever rent again or get a physical bank account! He could care LESS about how it looks for the OWNER of the company to attack a former CUSTOMER (an African American) who did NOT get helped with such CONTEMPT!! Or the fact that Equity Residential now has charged me over THREE THOUSAND DOLLARS (actually $4,000 and change to date) due directly to Mr. Volk's blatant and CONTEMPTUOUS treatment in refusing to help me -a serious lack of DUE DILIGENCE per his own AGREEMENT - a paid in FULL customer, irregardless of my race I paid HIM. All money is GREEN!

If I had NOT done all I was supposed to WHY didn't Mr. Volk INFORM me when I repeatedly BEGGED for his help?? I doubt that anyone would piss away $680.00 or risk RUINED CREDIT just because? I'm not rich and my credit is all I had to help me in my old age! Now I don't even have that!

But, now in Mr. Ken Volk's own words he claims he wrote letters' on my behalf and was merely missing my SS#. So, it's MY fault? In this day and time its downright SCARY to give your SS# to even people you think you can trust employers, credit applications, etc. By Mr. Ken Volk laying claim that he didn't have my SS# is entirely HIS OWN FAULT! By refusing to TALK to me I would have given it to him IF he had ASKED ME and said he was STILL WORKING on my Case!! GLADLY! I would have THANKED HIM!! $680.00 is a lot of money!!! I like anyone else was more then willing to be available and COOPERATIVE! But I was REJECTED and shunned on a SYSTEMATIC BASIS for years!! He never ONCE returned my calls after 2006. I stopped trying. I gave up ever getting my money back.

Telling me he was STILL WORKING ON MY CASE was the one thing I wanted so BADLY to hear!! The one thing he KNEW I was ASKING for, PLEADING for yet he never told me. And one must ask, why does he make those CLAIMS on this site INSTEAD of to ME?? If I sent him THOUSANDS of emails he was surely aware that ONE email from HIM telling me he was helping would have at least placated me. One phone call or message from his staff would have been enough if he had asked for my SS#. But nothing like that was ever done.

And now his VICIOUS rebuttal gives SUPPORT to the kind of man who's CALLOUS disregard for me, as a human being, a paid in full customer, who's lost my CREDIT STANDING and now attacking me like this in PUBLIC- is plain for ALL the world to see!! And, in fact, does LITTLE to rectify the situation but only INFLAMES it and PROLONGS it MORE. And CONFIRMS all I have said.

Does this sound like a company (or OWNER) who VALUES your business and wants REPEAT CUSTOMERS? Not in any Customer Service, Company Marketing or Professional Ethics I've ever heard of!


Mr. Ken Volk attacks me in a PUBLIC VENUE - revealing his TRUE NATURE! And his total DISDAIN for SOUND BUSINESS ETHICS, basic civility, common decency (nor any sense of PERSONAL or PRIVATE decorum apparently!) and a total absence of good customer service skills that overall reflects a lack of even a trace of MORAL FIBER! You would think that Mr. Volk should be EAGER to settle such BLATANT and long standing LACK of CONTRACTURAL OBLIGATIONS to a PAID in FULL customer?! Apparently not! He intends to hang onto my $680.00 until you-know-what-freezes over! And has proven it many, many times over the past 3 years!

After 3 years its become painfully apparent and, after the above rebuttal, that Mr. Volks' ATTACK on ME is based on RUTHLESS greed, cold-blooded contempt, passive aggressive provocations and overt hostility! He only cares about the ones that will be FUTURE customers! His BOTTOM LINE! A given for most corporations. He can't help it, really. He knows no better!
My feelings, my very IDENTITY are sacrificial lambs' for his character assassination to protect only one thing - his BOTTOM LINE!

How did Mr. Volk even FIND this report of mine on this site? I didn't tell him. Then who did? Interesting...

I have given you PROOF positive that Mr. Volk or ANY representative, employee or agent of AZ TENANTS ADVOCATES cannot be trusted NOR believed! It's a gamble in the truest sense based on my PERSONAL EXPERIENCE!

If you would like to see a copy of the check I will gladly do so but only with the express permission of the people who ORIGINALLY wrote the check (who put a STOP PAYMENT on it- there ARE laws protecting their PRIVACY which I will protect as well!) Chex Systems, as well as my bank. As this check maybe considered potential HARD EVIDENCE of possible deceit, consumer fraud, passing of hot checks - a FELONY in MOST states, and a very real INDICATION of the TRUE CHARACTER and lack of MORAL FIBER of Mr. Volk and his employees (albeit perhaps truly IGNORANT of his deceitful business practices and mistreatment of past customers) who never got what they paid for! I have the full intent to contact the authorities about this but the Statute of Limitations may apply. I was very reluctant to bring the police into a matter I thought I could work out with Mr. Ken Volk, thinking he had a heart' or at least a soul'. Apparently I was mistaken. I will be contacting the police and see if I have lost that option with the check that I have in my possession. I will keep this forum updated regularly on my efforts and the results. I will also be contacting the above Chex Systems and my bank to explore what other options I have to reclaim my credit and clear my name! My experiences laid before you for the world to see - and the above slanderous rebuttal should give some indication of what this man is capable of! How does Mr. Volk react when I report that he passed HOT checks to me deliberately? He tells the agencies he has paid me back and LEAVES OUT the details of what I went thru to get the good money order!!! Case closed. When the BBB and the Arizona Attorney General's Office sent me letters notifying me of his response I was in the midst of moving and by the time I read them it was too late to rebut them. Allowing Mr. Ken Volk to feel that he has gotten off Scott free'.

Now, I have several OTHER former customers of AZ TENANTS ADVOCATES/Mr. Ken VOLK, who have contacted me and told me they too received the same HEARTLESS and GREEDY mistreatment that I did! So, it's not just me. I'm just the only one who refuses to allow this man to harm other people (if I can help at all!).
Regardless of Mr. Ken Volk's very targeted and personal attacks on me, etc. I will continue to WARN the PUBLIC with my last dying breath!

This vitriolic rebuttal -by Mr. Ken Volk AND along with one of the physical HOT checks he gave me, should give hesitation to any rational thinking person reading this, some CONCERN and/or caution before dealing with the likes of AZ TENANTS ADVOCATES and its caustic and reprehensible Mr. Ken Volk.

What a nice rebuttal, Mr. Volk! But you forgot one thing! Do you ALWAYS ATTACK those past PAID IN FULL customers that you failed to help and REFUSED to give them AT LEAST their money back in PUBLIC with such ACIDITY, SCORN and RANCOR?? Everyone should now be able to SEE for themselves the kind of person you are without my saying another word. Didn't your attorney's tell you NOT to POST to PUBLIC SITES, such as this, Mr. Volk? Too late now!!

Is this 'par for the course, Mr. Volk? An overall indication to ANY POTENTIAL CUSTOMER that this is what they can EXPECT if they DARE to go up against the mighty and greedy Mr. Ken Volk and AZ TENANTS ADVOCATES if they fail to be helped?? Please read on for my REBUTTAL to Mr. Volk's rebuttal.

This is a pathetic and desperate attempt to place blame on the VICTIM of Mr. Volks' open HOSTILITY, INCESSANT GREED and TENDENCY to DENY RESPONSIBILITY after taking the MONEY and RUNNING!! He failed to fulfill the CONTRACTUAL TERMS and GUARANTEES in his own Agreement! Also, he quickly took down from his website the GUARANTEE that if he couldn't help you he would give you your money back in 3 months!!
Well, if you go ahead and deal with Mr. Volk, and he fails to help you, your chances of getting your money back are nil. Zip! Nada! The moment I pointed out the guarantee on his website to Mr. Volk, when I was asking why, me a Black woman wasn't getting a refund when his website CLAIMED it - THEN HE PROMPTLY TOOK IT DOWN!! If you are Caucasian you might have a BETTER chance then I ever did, however, whether you are Caucasian, Hispanics or African American, etc. PLEASE tread lightly around Mr. Volk and AZ TENANTS ADVOCATES! You have been warned! The way he is attacking me HERE strongly INDICATES he may very well do the same to you if you DARE COMPLAIN! Your legal RIGHTS last I checked.

It would now seem that ALL the things I took Mr. Volk to task over he has corrected, updated, erased or hidden in order to protect himself in his new contracts he gives to his new marks' (uh, sorry, customers).

Just for the record, Mr. Volk could have asked me for my SS# at any time. He never did. Now I hear from his other potential customers RECENTLY- he does ASK up front now. Something he FAILED to do with me! (I wonder why?) Heck, he was asking me for EVERYTHING ELSE like a CASH LOAN yet the subject of my SS# never came up! Which explains why Equity Residential could wreck such devastation on my credit in ALL three bureaus! Now, along with what Mr. Ken Volk did with passing me THREE HOT CHECKS (one was his OWN!) My entire TRAIN WRECK of a business relationship with AZ TENANTS ADVOCATES is even more diabolical! I would be willing to swear IN COURT that Mr. Ken Volk nor Connie Z EVER asked me for my SS#. And he had lots of chances to do so by his OWN confession! Instead he told me to ask for copies of all three of my credit reports! And to do it within the next week or some such impossible time limits!

And the only attorney Mr. Ken Volk or his office referred me to was HIS OWN!! Another LIE posted by Mr. Ken Volk as HIS version of the 'truth'!

If you have ever gone to the credit bureaus you cannot get your credit report IN THE MAIL within any short span of time! That was Mr. Ken Volks' mistake and after I called him and told him I was having trouble just finding the CORRECT MAILING address for all THREE bureaus. He literally turned his 'back on me' after that. No offer to help me. An office like his would have the correct addresses, right? Did he offer ONCE to give them to me when I told him of my troubles? No. He refused to talk to me after that. I said earlier, but that is what I paid YOU for!I never thought until he wrote that above that was the subterfuge he was hiding behind. Is there NOTHING this man won't do to DENY RESPONSIBILITY?? No. Obviously not.

He is ONLY concerned that his FUTURE Customers may see what I went thru here. By doing a character assassination' on me names, lying and twisting the truth (I can't send Mr. Ken Volk thousands of emails. My account would have been shut down if I had done that! I still have it without any problems from the mail server or staff of TOS. Another lie!!

Shame on you, Mr. Volk! We both know if I was WHITE you wouldn't be so CONTEMPTUOUS of me and OPENLY slander me like that, now would you?? Come on. Get real! I won't say I haven't used some foul language towards Mr. Ken Volk. Who wouldn't? But I'm sure they are not any names he hasn't been called before! (And will be called again if he continues to SCAM people and HIDE behind his powerful and well paid attorneys to protect him!)

Mr. Volk ALWAYS comes from this MODUS OPERANDI of pure COLD-BLOODED GREED and AVARICE hidden behind a charming smile and a used car salesman's TACTICS! Don't be fooled! I can prove these allegations in any court of law!

When I first signed up and gave Mr. Ken Volk my $680.00 to get me OUT of my lease LEGALLY (what a SCAM!!) he, within 2 days time, asked ME for a loan of $300.00!! I was reluctant (as well as surprised that the OWNER would be bumming a CUSTOMER for a loan!) but encouraged and assured by his then associate -Connie Z-that he was good for it! But I FIRST insisted on his WORD (found out later how much THAT was worth) that he would repay me IN KIND (CASH) by the following week - I counted out $300.00 to Mr. Volk personally!

Mr. Volk became a 'man-on-the-run' after that! So VERY, very hard to get a hold of to get my money back it became RIDICULOUS! One week became TWO then Three and then over a YEAR! Before I finally got a money order as I refused any more CHECKS from that man of ANY KIND! Mr. Volk, in that year, deliberately gave me HOT CHECKS from clients that had come into AZ TENANTS ADVOCATES, left and later suffered BUYERS REMORSE (and perhaps told Mr. Volk UP FRONT - they were placing STOP PAYMENTS on the checks ahead of time and he was thus WELL AWARE? Only an intensive CRIMINAL INVESTIGATION will determine that) about giving him their money! Those checks he then gave to me! Three in all! Three! One was his personal check! Not worth the paper it was written on according to my bank!

I have one in MY POSSESSION and my bank has all three on microfiche or two of the physical ones, in their files! (Not sure about how banks deal with hot checks.)

Checks from third party people he said were his clients - were NOT! I found out they had put a STOP PAYMENT on each check that Mr. Volk had passed off to me as GOOD! I believe that because I am a Black woman, Mr. Volk thought by giving me HOT checks he would be rid of me and I would give up and disappear! Little did he know!

My bank, after the third check had bounced from Mr. Volk, put a freeze on my account, posted huge overdraft charges and then reported me to Chex Systems.

I cannot open up any Federally insured bank account ANYWHERE! I had a great banking relationship with my bank and I can prove it! BEFORE Mr. Ken Volk passed me those bad checks I could open a bank account anywhere! My history with that bank is EVIDENCE in any COURT OF LAW!! I have been told I can contact Chex Systems and with the help of my bank produce the hot checks given to me by Mr. Volk over that year. As stated, I have one of the hot checks that Mr. Volk gave me! Complete with the signatures, paid to, etc. including the stamp on the back from my bank!

My bank announced they were freezing my account and later closed it. I was sitting in my bank shortly after this last check, trying to learn what happened and why they had closed access to my account? I was given one of the HOT checks from a BANK REPRESENTATIVE that was from a couple (who obviously felt that Mr. Volk's company and perhaps Mr. Volk himself, was not worth their time and money! Very smart people! I was not so smart and hope by posting to sites like this, I can help others -even ONE person- avoid this same monstrous MISTAKE I made! It's better to go to your landlord DIRECTLY and try to work something out!). Or go to a good lawyer! I WISH TO GOD I HAD!

I'm hoping that by taking WHATEVER LEGAL ACTIONS NECESSARY TO CLEAR MY CREDIT, that in time it will re-instate my good name. It may involve an overall Criminal investigation and/or AUDIT into Mr. Volk's banking and accounting methods as well. However, I doubt I will ever be able to come up with over $4,000.00 that the former landlord (Equity) finally charged me and placed on all three credit bureaus! I have suffered from many injuries and can't work so am unable to pay or even fight Mr. Ken Volk, his powerful attorneys and AZ TENANTS ADVOCATES!

Thank you Mr. Volk for showing your total 'compassion' and 'willingness' to 'go the extra' mile by attempting to place BLAME on me- the customer who WANTED to get this done and paid you good money to do so!

Now, you LIE to the PUBLIC- in order to prove your innocence in pathetic DENIALS and overt HOSTILITY rather then trying to REMEDY the situation, going on now over 3 years, with ME!!! And I have tried for months, then years to give you chance after chance. And you never budged!!! Never! But you forced me to go to the authorities. So, you only have yourself to blame for postings like this. I gave you 2 years and you treated me with total contempt and had your office treat me the same way!

Even years later IF I DARE CALL your little office and give my name, there is instant RECOGNITION and no hesitation. They lay the phone down (they don't know how to use the mute' button, Mr. Volk? Not very well trained, are they?) and I can hear them go and ask you what to do about ME! Clearly! They always come back and say you are either out of the office' or 'at a meeting'. HA!! How pathetic!!

I would say that Mr. Ken Volk is a smart but truly DEVIOUS man who has learned from his mistakes with ME (deliberate or otherwise) and now has CORRECTED -& ADDED ON HIS NEW CONTRACTS that you have to give him your SS# up front. My contract has no such request. If it did, and I did NOT put it down as Mr. Ken Volk claims, then WHY DIDNT HE SIMPLY POINT IT OUT? Or ASK ME FOR IT?? I had just PAID him CASH money of $680.00. Why wouldn't I do exactly as he or Connie Z demanded of me? The answer is - I did! Like any other American you seek to 'get what you pay for'. I just happened to be in the wrong place at the wrong time and made a ghastly mistake in judgment and misplaced trust! I was not even given the same considerations of others he has probably helped. Who had HARDER cases then I!

He had plenty of chances. What about ALL those times I called the office BEGGING for his help (or my REFUND)? The subject never came up because Mr. Ken Volk was too busy HIDING from me. Ignoring my DESPERATE PLEAS for his help! My skin was brown admittedly but my MONEY WAS GREEN!! For him to say he continued to send letters (a lot of good that does!) even a year later is LUDICROUS!! In all the times I was calling him he never once said he was still trying to help me! If he had I would have FELT at least he was trying! No. It's a LAST DITCH EFFORT to EVADE REFUNDING my MONEY back! He lies to cast BLAME on me, the PAID in FULL CUSTOMER! It's made up to DISCREDIT me and protect his CASH COW! The very fact that he ADMITTED he HAD to keep writing letters LONG PAST the Guarantee (that he will break your lease in 3 months or you get your money back) should tell you this man's word is not worth a hill of beans!

Given the fact that Mr. Volk has posted this rebuttal in such an aggressive, acidic and spurious manner towards me a minority and a woman- may not be enough to convince someone of Mr. Volk's pathological tendency to lie, dishonesty and misleading advertising. His incredible CAPACITY to KEEP that money in spite of FAILING to help me 'break my lease' (as he so proudly proclaims in all his ads and on his website) may not be enough to persuade you! Why hasn't he offered me just my $680.00 back in recompense rather then arguing my posting to sites like this? Or forcing me to report him to Governmental agencies, when that's the last thing I wanted to do?

Even when I warned him countless TIMES - I would take it the proper authorities, he IGNORED me and STILL KEPT MY MONEY?! He, in his rebuttal (see above) called it extortion'! When did having a right to ask for your OWN money back for SERVICES NOT RENDERED become extortion?? Tsk. Tsk, Mr. Volk. That was not very nice! Another example of your forked' TONGUE, Mr. Volk?. Contemptible at the least, Mr. Volk. Is NOTHING beneath YOU, Mr. Volk? Apparently NOT!

Even though you have attacked my character you also make criminal accusations against a CUSTOMER who NEVER got what she PAID FOR. And you acted to MY FACE and in every other way- as if you could care less!! So, if a future customer reads your rebuttal they had better beware that ASKING for their OWN money back will be construed by you as Extortion!! How very REPTILIAN, Mr. Volk!!

People be very careful! IF YOU DARE to do business with Mr. Ken Volk and AZ TENANTS ADVOCATES, after you give HIM your money CONSIDER IT GONE!!! Whether you get SERVICES RENDERED or NOT! Just kiss it goodbye or end up being slandered and attacked like me!!

Now, was this so-called claim' that he WORKED on letter writing on my case, up to a year later, just a flimsy EXCUSE to JUSTIFY him KEEPING MY MONEY??! If you did write letters' on my behalf, Mr. Ken Volk THEY FAILED MISERABLY!! And this claim' that you DID is just a transparent and pathetic EXCUSE to KEEP MY MONEY!!! Even a 5th Grader can SEE thru that!!

If I were YOU, Mr. Ken Volk, many of those things you say weren't really necessary for posting HERE. It fails to make you look very PROFESSIONAL, ETHICAL, empathetic or innocent. Things that you wrote are now PUBLIC FODDER. Private things I never spoke or printed anywhere outside of you and your ex you DID yourself! You should be feeling pretty FOOLISH right now AIRING your DIRTY LAUNDRY like this!!

But, the answer is pure and simple - you are a man of INCREDIBLE and INSATIABLE GREED with total CONTEMPT for me, his former PAID THRU THE NOSE' customer as well as the LAW! Last I heard it was against the law to knowingly pass bad checks! Or make FALSE PROMISES you aren't able to keep - called Consumer Fraud! And lie to governmental agencies with an attitude of she's gone off the deep end'. That's a heck of a thing to call a customer who merely wanted her money back. Who now wants to WARN EVERYONE that's willing to listen and that cares about their credit!


My particular lease issues should have been a very EASY case because I NEVER even MOVED into the apartment! It should have been a CAKE WALK even for AZ TENANTS ADVOCATES!! It was filthy and it was in SCOTSDALE! It had drug paraphernalia in the fireplace ashes. The garage electric unit for opening and closing the garage door was hanging down so low it almost touched the hood of my car! Not to mention all the deplorable filth, rotting porch, standing water, etc. that was found. And later documented by an Appraiser that I had to fork over an extra $150.00 for!


I could NOT move in that apartment! And never did. Then I recalled seeing the ad on the back of the Phoenix New Times. In spite of doing every thing that Mr. Volk and Connie Z told me to. (To this day, Connie fervently SWEARS I did EVERYTHING right as I was told. (Mr. Ken Volk later fired Connie Z) for reasons I'm not aware of months after my case should have been settled with Equity. They had guaranteed that they would break your lease in 3 months or give you a refund! Then I was told ALL was taken care of, and there that was NOTHING else for me to do but wait. I did question why it was taking so long? The threatening letters from Equity had not slowed down any! Actually, they seemed to be speeding up! They said it was just a matter of waiting for their response. I relaxed believing and TRUSTING AZ TENANTS ADVOCATES and Mr. Ken Volk. So much so, that I later went on vacation for the summer. He had taken my money in January of 2005. It was now May 2005. A full 5 months later and the letters never stopped. I know. I had my mail forwarded to my vacation address.

It was during this time that Mr. Volk TOOK ADVANTAGE of my absence and then patently IGNORED my case, I strongly believe! Out of sight, out of mind', hey, Mr. Volk? Although, I was still getting these letters from Equity I was told it was 'NORMAL' and just a matter of time before they offered me not only my deposit back but a payment as well for such a horrible apartment offered to a minority! But it never happened!

Connie Z had assured me that I had done everything but later admitted to me - in CONFIDENCE- they were NOT prepared for the intense and aggressive ACTIONS by Equity Residential and their powerful attorneys! Even though both Mr. Ken Volk and Connie Z had claimed INITIALLY that they had dealt with Equity before and found them to be 'easy' it was NOT the case. Equity Residential, even with the knowledge that the apartment was in deplorable condition unfit for human habitation, went after me 'hammer and thong'! Mr. Volk never verbalized his shock or surprise by their aggressive tactics! However their initial CLAIM was the final factor that helped me decide to give them my money, saying Equity Residential had been an 'easy' case in the past. Cash. $680.00. I did my part but AZ TENANTS ADVOCATES and Mr. Ken VOLK miserably failed and don't have the GUTS or the ETHICS -to this day- to admit it or give me my money back!

I have been shown nothing altruistic, apologetic or compensatory in all that time just very much the opposite! When you are talked to with contempt by the office staff, slandered by the OWNER of the COMPANY and told excuse after excuse, that company or business is giving you the run around' and saying BY ACT and DEED that you are of no VALUE and are TOTALLY DISRESPECTED in every way. They might as well say,
Yes, we have your MONEY and we AIM to keep it!! Whether you got what you paid for or not! Too blanking' bad! Now leave us the blank alone while we service other customers.

And Mr. Volk's acidic tongue and attempted CHARACTER ASSASSINATION of me is proving me right to believe that even more as you can read above! (If I wind up missing or dead I have mailed letters to all my relatives with copies of what he has said to me. Just joking...maybe.) That's why I'm convinced it was all a deliberate FRAUD designed to TAKE MY MONEY and KEEP it whether they helped me or not! It is my honest and sincere belief based on what I have experienced, lost and have gone thru after paying them to help me over three years ago that I was deliberately LIED to and DECEIVED! And worst IGNORED when I was BEGGING for Mr. Ken Volk's help and attention yet he IGNORED ME ON ALL FRONTS!! Was it their BLATANT ERROR (deliberate?) to FORGET about getting my SS# because they had what they really WANTED my MONEY? Or it merely slipped their minds' that they NEVER ASKED FOR MY SS#? All I can say is that this man made it an ART in IGNORING me and teaching his staff to do the same! Does that sound like he told me he was helping but needed my SS#? I don't think so!

And now he writes such CONTEMPTUOUS LIES that he has HELPED ME? If I was that AWFUL why WOULD he?? If I was that bad then why not TELL me he had helped me? The reason he didn't chime in and say,

"Ms. Wallace, I AM helping you. I can prove it. But I do need your SS#. Could I have it please? So, simple to do and it wasn't like I couldn't be FOUND! I was in HIS FACE A lot!!! He has admitted that much himself! Then what excuse does he have for NEVER ASKING ME?

Probably, because it's just another BALD FACED LIE! Not to HELP me at all but to PROTECT his BOTTOM LINE! His Cash Cow! AZ TENANTS ADVOCATES at all costs and no matter how many heads have to roll to do it! His SHARP tongue is attempting to cut off my credibility. What is next?

Yes, nothing of the sort ever took place. You would think he'd tell me that just to get me to stop writing to sites like this or the government agencies wouldn't you? But the reason he NEVER told me NOR had his staff tell me was because IT'S A all a pathetic LIE and an apparently DESPERATE one!! Just for this site to make him look blameless and HONEST! And to protect his CASH COW!! Trashing me in the process makes him look like a big man, right? Attempting to teari apart my credibility makes you more of a human being, does it Mr. Volk? And I wouldn't put it past a SCAM Artist like Mr. Ken Volk to actually have SOME letters that he has TYPED AFTER THE FACT just to CYA! (Cover Your Asp) right, Mr. Volk? You are so DEVIOUS!!

But, this is against the law and is called Consumer Fraud, Mr. Ken Volk! I AM willing to SWEAR to the above in a COURT of LAW...or take a polygraph test...If Mr. Ken Volk will! But I DOUBT he has the CAHONIES!!! LIARS operate BEST in the DARK! (Or hiding behind their well paid lawyers! Pretty much the same!)

Equity's attorneys sent dunning letters for weeks that turned into months then to years!!! Demanding payment for monies they said I owed, increasing late fees, attorney fees, etc, in spite of the MAILINGS I did AS ORDERED BY both Ken and Connie Z. Yet, after submittal of ALL the LETTERS, I was attacked and charged by Equity's attorneys! And, it seems that those letters' Mr. Ken Volk, claims he ALSO sent didn't do any good either. That should give anyone considering handing their MONEY and their TRUST to Mr. Ken Volk's AZ TENANTS ADVOCATES a cause to pause'. It would seem those letters just made them MAD! And now, on this website, Mr. Ken Volk himself claims he STILL FAILED TO HELP ME!

So, that's ALL you get from AZ TENANTS ADVOCATES! Just some stupid letters (Mr. Ken Volk has kindly posted those letters I never saw!) Previously, I had to SIGN MY NAME to the first three. What did you do, Mr. Volk? Forge my signature? At the beginning you INSISTED I had to SIGN EACH LETTER! What happened with these letters I NEVER SAW?
These letters requested they GIVE YOU BACK YOUR DEPOSIT (seriously, Mr. Volk, did you use my signature on those letters you claimed you sent that I never heard about? I'd be very curious!) As well as a settlement for the deplorable conditions of that apartment (pawned off on someone that was African American too)! But that's IT!! That's ALL Mr. Ken Volk and AZ TENANTS ADVOCATES did for me!!! No phone calls to the landlord! No legal representative from AZ TENANTS ADVOCATES supporting you and STANDING BY YOU!!! Nothing remotely like that for my case!


All the calls I made to Mr. Ken Volk BEGGING him - and PLEADING with him directly thru emails (or his staff later) -to do something (after I was on vacation initially and began getting the letters increasing in threats of legal action, humongous charges, etc. escalating as time went by) to DEAL with EQUITY's threats as I had PAID him and he had PROMISED I could get OUT of my lease LEGALLY to HELP ME! All these attempts and pleas -over weeks, then months -were met with stone-walling, denials and TOTAL DISDAIN for what Equity was doing to me! None of my calls for help were given any attention and definitely NO respect. Now it seems he claims he did send more of those innocuous letters' which apparently, Mr. Ken Volk DONT WORK! They are pathetic!! A Sham! A scheme only set up to take advantage of desperate people who TRUSTED YOU!!! I did and look what happened to me. And read how he talks to me!!! Such CONTEMPT! Such SCORN! And this is PURE SLANDER! Upon my Character and my RACE!!! I doubt Mr. Ken Volk would print such against a person of his OWN race!! And even now, the man has no SHAME!! To attack a former PAID UP FRONT customer and treat her like this in a public forum is REPREHENSIBLE!!! Who has every rRIGHT to COMPLAIN and WARN others! This isn't n**i Germany, Mr. Ken Volk, although you may thump your nose' at Federal Laws, Civil Rights and LIE to Governmental agencies this is AMERICA, Jack!!!

I was given all kinds of excuses by his staff; that he was not available (I even heard Mr. Volk IN THE BACKGROUND -telling the girls (or guys) to TELL ME he wasn't there! The gall!!) And later telling his staff to tell me to go PAY a questionable service to 'erase my bad credit'! If those things WORKED no one would HAVE bad credit, now would they?!! So, why should I HAVE CLEAN UP after you? And continue to throw away MORE 'good money after bad' behind AZ TENANTS ADVOCATES and Mr. Volk and his staff who ALWAYS answer to HIM? If AZ TENANTS ADVOCATES and Mr. Ken Volk had FOLLOWED thru on their CLAIMS in the FIRST place and legally got me out of my lease, my credit would not now be in the toilet!

For Mr. Volk to say otherwise, verbally attacking ME, is an insidious (and possibly racist) slur on me as a human being and as a NEGLECTED and steadily IGNORED former customer who had paid UP FRONT for their HELP! Money I may never see based on the above rebuttal and past CONDEMNATION and mistreatment of me, and my case, by Mr. Ken Volk. He has never ONCE offered to settle this, people. Not once!

The facts are, I had GOOD CREDIT for RENTING any NICE place I wanted, BEFORE Mr. Volk and his DEVIOUS SCAM ruined it all! By 2006 the negative marks were already placed. I now have bad credit AFTER Mr. Ken Volk got thru with me! So, for RENTING any thing NICE OR getting a Federally Insured bank account is HISTORY! And that can be DATED and TRACED directly back to my dealings with Mr. Ken Volk! All three credit bureaus have posted negative CREDIT due to my signing with AZ TENANTS ADVOCATES and Mr. Ken Volk's insidious and deplorable way he mishandled my case! This is on RECORD people!!! With ALL three credit bureaus! This is on record going back only 3 years and is EVIDENTIAL!

I did ALL that I was supposed to. It was the FAULT of AZ TENANTS ADVOCATES because they never asked for my SS#. His customers now tell me he had it PERMANENTLY on the contract where as before WHEN I signed it was not there. Mr. Ken Volk just himself CONFIRMED that!! All I was told to do I still have the RETURN RECEIPT! I was RUDELY TOLD to PAY THE POSTAGE MY SELF AND MAIL the letters!!! I did mail ALL three letters! Form letters they were. They just filled in the blanks with the newest paid in FULL customer. That's all! (I still have the copies by the way on my computer) that they fill in YOUR name and address, etc. and have YOU sign it! But they DON'T WORK!!! I kept copies of ALL I was told to MAIL on my computer and in emails KEN and/or Connie sent me! Nothing ELSE was ever sent to me! If Mr. Ken Volk is claiming I didn't do everything then that ERROR rests directly on HIM! I was told the opposite - that I had DONE all I was supposed to! They screwed up and know it and are playing the Blame Game for all their worth!!! (uh, the Cash Cow) is WORTH!

If I didn't do ALL I was supposed to do it was because Mr. Ken Volk and Connie DIDN'T BOTHER or CARE to TELL me!! But once Connie Z was fired it totally became the RESPONSIBILITY of Mr. Volk to inform me. Or his staff. Even the janitor! I would have been RAPTUROUSLY HAPPY to be told even something remotely like that!! Something. ANYTHING!! And bent over backwards to give Mr. Volk (or his staff) anything they needed!! But, all I was given was the 'cold shoulder' mixed with contempt! (see the above from Mr. Volk) So, predictable after 3 years, now people will you believe me? Please be careful!

While I was on vacation they had my contact #s and my email address at ALL TIMES although by then it was 5 or more months later. And the FACT that Mr. Volk REFUSED to help me when I alerted him to what Equity was demanding of me BUT HE DID NOTHING! IF I had not done everything he would have told me THEN, right? He never did ANY SUCH THING! Never! Instead, he steadily provoked me every chance he got! Never said he needed ANYTHING ELSE FROM ME. But I had ALREADY been TOLD I had DONE everything and all I had to do was WAIT!!

So it was Mr. Ken Volk that did NOT do ALL HE was supposed to!! He is apparently not beneath POSTING LIES to the PUBLIC or to GOVERNMENTAL AGENCIES to make himself and AZ TENANTS ADVOCATES look totally BLAMELESS and innocent! Which is a SHAMEFUL and COWARDLY way to treat a former customer that had placed her total TRUST and MONEY in AZ TENANTS ADVOCATES and Mr. Ken Volk!! Just the act of posting this vicious verbal attack on me should SCREAM MOUNTAINS about this man and his character (or lack thereof!) and the LENGTHS he will go to avoid giving out REFUNDS. At least to me.

Mr. Volk will do (and HAS DONE) EVERYTHING to keep the TRUTH of what he has done AND IS GETTING AWAY WITH - from the PUBLIC at large.

I have been at the receiving end of Mr. Volk's vicious LIES, sharp tongue and deceptions for THREE LONG YEARS and MORE! (added with the above plus his emails to me) Mr. Ken Volk has DELIBERATELY LIED and TWISTED the TRUTH to GOVERNMENTAL AGENCIES with no REMORSE or HESITATION whatsoever! I have experienced his propensity for lying FIRST HAND and up close! He can write such things like that about me because he knows I'm broke and a minority and he fears NOTHING from me! Thank God for venues like this!

Even when I wrote him BEGGING for my $680.00 back -at least THAT- he rarely deemed to respond and when he did it was in one or two sentences usually attacking me for wanting my own money back, denying he ruined my credit! Denying he was to blame and yet never once saying he was still helping me! Strange, that

You'd think it's the LEAST he would LOVE to do, right?? Just to get rid of me or shut me up?!? No way!! (This man would squeeze BLOOD from a NICKEL if he could! And it's not for want of trying!!) And this POSTING and attack of me is NOT EXACTLY loving, is it? Where IS the love, Mr. Volk, if you did those things? Why hide it from the VERY ONE YOU CLAIMED to do it for? And after all this time? Why NOW? Hmmm? Tough love, eh? Still feels like LIES to me!

Mr. Volk is not a man that plays by any rules but his own! He is a man who HIDES behind his battery of powerful and WELL PAID attorneys to KEEP him IN BUSINESS and continually RAKING in the dough from unsuspecting trusting people like me!!

It's corporate RUTHLESSNESS at its WORST! Corporate laws are ALWAYS created for the benefit of CORPORATIONS and NEVER the people that made them rich and powerful to begin with!! This man is totally capable of ANYTHING to protect his CASH COW, which is AZ TENANTS ADVOCATES!

I have the contact information of the people who wrote that one check and later placed STOP PAYMENT on, and my bank has the rest in one form or another. Mr. Volk may deny he knew they were hot (one was his own how could he NOT?) and I would understand IF it was only ONE check! Maybe even two (although that's a stretch)! But THREE hot checks given to me over a period of a year where Mr. Volk INSISTED they were GOOD!!??? That strains the very fabric of CREDULITY, logic and AGAINST ALL ODDS!!


In closing, by being attacked like this, reveals undeniably, that Mr. Ken Volk has exposed himself as the kind of man who is capable of VICIOUS ATTACKS, SLURS and SLANDER! And could care LESS about how he ruined my ability to ever rent again or get a physical bank account! He could care LESS about how it looks for the OWNER of the company to attack a former CUSTOMER (an African American) who did NOT get helped with such CONTEMPT!! Or the fact that Equity Residential now has charged me over THREE THOUSAND DOLLARS (actually $4,000 and change to date) due directly to Mr. Volk's blatant and CONTEMPTUOUS treatment in refusing to help me -a serious lack of DUE DILIGENCE per his own AGREEMENT - a paid in FULL customer, irregardless of my race I paid HIM. All money is GREEN!

If I had NOT done all I was supposed to WHY didn't Mr. Volk INFORM me when I repeatedly BEGGED for his help?? I doubt that anyone would piss away $680.00 or risk RUINED CREDIT just because? I'm not rich and my credit is all I had to help me in my old age! Now I don't even have that!

But, now in Mr. Ken Volk's own words he claims he wrote letters' on my behalf and was merely missing my SS#. So, it's MY fault? In this day and time its downright SCARY to give your SS# to even people you think you can trust employers, credit applications, etc. By Mr. Ken Volk laying claim that he didn't have my SS# is entirely HIS OWN FAULT! By refusing to TALK to me I would have given it to him IF he had ASKED ME and said he was STILL WORKING on my Case!! GLADLY! I would have THANKED HIM!! $680.00 is a lot of money!!! I like anyone else was more then willing to be available and COOPERATIVE! But I was REJECTED and shunned on a SYSTEMATIC BASIS for years!! He never ONCE returned my calls after 2006. I stopped trying. I gave up ever getting my money back.

Telling me he was STILL WORKING ON MY CASE was the one thing I wanted so BADLY to hear!! The one thing he KNEW I was ASKING for, PLEADING for yet he never told me. And one must ask, why does he make those CLAIMS on this site INSTEAD of to ME?? If I sent him THOUSANDS of emails he was surely aware that ONE email from HIM telling me he was helping would have at least placated me. One phone call or message from his staff would have been enough if he had asked for my SS#. But nothing like that was ever done.

And now his VICIOUS rebuttal gives SUPPORT to the kind of man who's CALLOUS disregard for me, as a human being, a paid in full customer, who's lost my CREDIT STANDING and now attacking me like this in PUBLIC- is plain for ALL the world to see!! And, in fact, does LITTLE to rectify the situation but only INFLAMES it and PROLONGS it MORE. And CONFIRMS all I have said.

Does this sound like a company (or OWNER) who VALUES your business and wants REPEAT CUSTOMERS? Not in any Customer Service, Company Marketing or Professional Ethics I've ever heard of!


Mr. Ken Volk attacks me in a PUBLIC VENUE - revealing his TRUE NATURE! And his total DISDAIN for SOUND BUSINESS ETHICS, basic civility, common decency (nor any sense of PERSONAL or PRIVATE decorum apparently!) and a total absence of good customer service skills that overall reflects a lack of even a trace of MORAL FIBER! You would think that Mr. Volk should be EAGER to settle such BLATANT and long standing LACK of CONTRACTURAL OBLIGATIONS to a PAID in FULL customer?! Apparently not! He intends to hang onto my $680.00 until you-know-what-freezes over! And has proven it many, many times over the past 3 years!

After 3 years its become painfully apparent and, after the above rebuttal, that Mr. Volks' ATTACK on ME is based on RUTHLESS greed, cold-blooded contempt, passive aggressive provocations and overt hostility! He only cares about the ones that will be FUTURE customers! His BOTTOM LINE! A given for most corporations. He can't help it, really. He knows no better!
My feelings, my very IDENTITY are sacrificial lambs' for his character assassination to protect only one thing - his BOTTOM LINE!

How did Mr. Volk even FIND this report of mine on this site? I didn't tell him. Then who did? Interesting...

I have given you PROOF positive that Mr. Volk or ANY representative, employee or agent of AZ TENANTS ADVOCATES cannot be trusted NOR believed! It's a gamble in the truest sense based on my PERSONAL EXPERIENCE!

If you would like to see a copy of the check I will gladly do so but only with the express permission of the people who ORIGINALLY wrote the check (who put a STOP PAYMENT on it- there ARE laws protecting their PRIVACY which I will protect as well!) Chex Systems, as well as my bank. As this check maybe considered potential HARD EVIDENCE of possible deceit, consumer fraud, passing of hot checks - a FELONY in MOST states, and a very real INDICATION of the TRUE CHARACTER and lack of MORAL FIBER of Mr. Volk and his employees (albeit perhaps truly IGNORANT of his deceitful business practices and mistreatment of past customers) who never got what they paid for! I have the full intent to contact the authorities about this but the Statute of Limitations may apply. I was very reluctant to bring the police into a matter I thought I could work out with Mr. Ken Volk, thinking he had a heart' or at least a soul'. Apparently I was mistaken. I will be contacting the police and see if I have lost that option with the check that I have in my possession. I will keep this forum updated regularly on my efforts and the results. I will also be contacting the above Chex Systems and my bank to explore what other options I have to reclaim my credit and clear my name! My experiences laid before you for the world to see - and the above slanderous rebuttal should give some indication of what this man is capable of! How does Mr. Volk react when I report that he passed HOT checks to me deliberately? He tells the agencies he has paid me back and LEAVES OUT the details of what I went thru to get the good money order!!! Case closed. When the BBB and the Arizona Attorney General's Office sent me letters notifying me of his response I was in the midst of moving and by the time I read them it was too late to rebut them. Allowing Mr. Ken Volk to feel that he has gotten off Scott free'.

Now, I have several OTHER former customers of AZ TENANTS ADVOCATES/Mr. Ken VOLK, who have contacted me and told me they too received the same HEARTLESS and GREEDY mistreatment that I did! So, it's not just me. I'm just the only one who refuses to allow this man to harm other people (if I can help at all!).
Regardless of Mr. Ken Volk's very targeted and personal attacks on me, etc. I will continue to WARN the PUBLIC with my last dying breath!

This vitriolic rebuttal -by Mr. Ken Volk AND along with one of the physical HOT checks he gave me, should give hesitation to any rational thinking person reading this, some CONCERN and/or caution before dealing with the likes of AZ TENANTS ADVOCATES and its caustic and reprehensible Mr. Ken Volk.

Beverly Wallace faces negative credit ratings because she did not follow our instructions, with which she agreed to comply by way of affixing her signature on January 18, 2005. The pertinent part of the instructions were as follows:

-------
Although it is unlikely that this matter will proceed to be reported as a debt on Member's credit report, nevertheless it is suggested that Member periodically obtain credit reports maintained about Member and other householders or leaseholders. In the event that Member ascertains that the debt is listed as a negative record with one or more credit bureaus or similar entities, Member agrees to immediately provide LAP with the following:

a. A copy of the credit report(s), including any confirmation or file number (or similar identifying designation) related to the claim
b. A listing of the following for each affected party:
i. Name
ii. Social Security number
iii. Date of birth
c. A brief, written description of how the negative credit record(s) has harmed or damaged the parties her contract with us.

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Ms. Wallace never provided me with her social security number so I could properly reference her in correspondence to credit bureaus. She did not provide a copy of any credit report, although she has in separate correspondence acknowledged her awareness that I required such documents to assist her. Consequently, by her inactions in these regards I was precluded from assisting her in challenging the negative records on her credit reports.

As to the $300 loan, it was fully repaid, although it did take a long time. I also acknowledge there was a problem with an insufficient fund check initially paid to Ms. Wallace, but deny that there was any malice or premeditation in my actions. It was unintended, and the debt was repaid in full. As to the financial harm she suffered as a result of the NSF check, Ms. Wallace was generously compensated with a separate, additional payment I made to her, in the amount of $200.

All obligations of me under my contract with Ms. Wallace have been fulfilled. In total, I prepared 19 letters for Ms. Wallace, dealing with every matter brought to my attention for which a letter should be prepared. These consisted of:

Demand remedy or terminate, 5 day1;
Demand remedy or terminate, 10 day1.doc;
Joined ATA notice1.doc;
Stay out notice1.doc;
Tell me more1.doc;
The truth be known1.doc;
Demands not remedied, leaving, 5 and or 10 day1;
Pay rent less deductions1;
Return keys, no liability1;
Security return demand1;
Vacating, request inspection1;
Fat lady takes a deep breath1;
Pay rent less deductions2;
No use for a lousy lease1;
Deposit improperly refunded;
No use for a lousy lease2;
Claims invalid, credit agency1;
Claims invalid, credit agency2; and
Claims invalid, credit agency3.

Ms. Wallace's case was certainly not ignored. In fact, I prepared a legal document letter for Ms. Wallace months after her contract with me had expired. And had she provided me with documentation relative to her credit reports, in compliance with the instructions, then I would have helped her with those, too.

Moreover, when Ms. Wallace contacted my office earlier last year, on more than one occasion she was referred to a competent Arizona attorney who generally handles wrongful credit-report cases on a contingency basis. Ms. Wallace was provided with the name and telephone number of the attorney. She expressed unwillingness to use that attorney, but instead contacted the Arizona Attorney General to complain. The Attorney General, upon being advised of the course of events, declined to take any action. So then Ms. Wallace turned her sights on the Better Business Bureau. That complaint, too, went nowhere, because the complaint was not valid.

At no time was any thought given as to Ms. Wallace's race. There was never any hostility against her, expressed or felt, by me or anyone else. In fact, when she came into town to collaborate on some business planning I put her up at my house. She was provided a bed to sleep in, bathing facilities, and then I personally assisted her to move some of her items from a storage unit.

I am not liable for Ms. Wallace's former landlord's refusal to return her security or other deposits, and deny that this has been stated anywhere. I am not liable for the fact that her landlord may not agree she had a right to terminate her rental contract. My job was to prepare legal documents to assist Ms. Wallace in lawfully terminating her lease, as well as follow-up correspondence. I deny modifying my website in any covert way. There never was any statement on my website that said there would be a refund if the lease was not broken in the time frame promised. However, in fact, the lease was properly and lawfully terminated in a timely manner.

While my work does include addressing credit report issues, I was unable to proceed in this regard due to Ms. Wallace's failures. I cannot be held liable for her failures.

I deny misrepresentation, theft, false promises, fraud, inefficacy, hostility, dismissive attitude, malice, lack of ethics, or racism against Ms. Wallace all allegations she has made in various forums. On the contrary, the record of Ms. Wallace's communications reflects that she is, at the least, unstable and aggressive.

She has sent me thousands of emails, often hundreds in a single day, containing insults and profanity.

In her emails she has accused me of being a child molester because a few nights I had Ms. Wallace over as a guest in my house, and while she stayed in my daughter's bedroom my daughter slept in my bedroom:

(Her verbatim quote:
How Do YOU SLEEP at NIGHT? NExt to YOUR DAUGHTER??? Perverted JUSTICE for Ken VOLK).

In her emails she has made threats to contact my ex with whom I am engaged in ongoing family court matters:

(Her verbatim quote:
Your daughter's Mom might want to talk to me...hmmmmm???). (Her verbatim quote: Since I have MiChelle's email address I will ask HER how to contact that poor little girls' mother. Perhaps you should go out and get a GROWN woman to 'FILL YOUR NEEDS'??? HMMMM??? You SICK PIECE of FILTH!!!! I want my MONEY BACK you LYING PIECE of S**T!!! They should have you on "To Catch a PREDATOR"! You SICK, TWISTED B****RD!!!!)

In her emails she has threatened to contact a woman (not a client) with whom I was in litigation:

(Her verbatim quote:
You'll Never Guess Who I'm Considering "Hookin Up" With... I just love Italian women! So feisty! Is this not your worst NIGHTMARE come to LIFE!? She doesn't know (But I will tell her how) that I've filed against you with Attorney General's Office as well as other federal agencies. She might find that of some interest. You think?).

In summation, Ms. Wallace has attempted to extort a refund from me with countless threats:

(Her verbatim quote:
Do you think lettting this week go by without PAYING me is a SMART THING?? I wouldn't s**t on this opportunity to get rid of me, and all my emails, my blogs, my posts, reports and possible 'little message to your daughter's mom', if I were YOU!!!!! By Friday afternoon. That's ALL I'm giving you. Because the ODDS are you WON'T!!! In the meantime I'll be preparing for that STUPID Decision!!! And start making calls and writing reports, emails, complaints and posts THIS WEEKEND!!! WITH PLEASURE!!! Make my DAY, you piece of S**T and DON'T SEND BACK ALL MY MONEY or NOT SIGN IT OR SOME SUCH S**T!!! Make my day and think this is just a hollow promise. All you have to do is be the B****RD A**HOLE I know you to BE and I'll ACT ACCORDINGLY!!!)

It was so many emails I eventually had to create a separate subdirectory to contain them. She has repeatedly telephoned my office numerous times on a single day, bad mouthing me and spewing profanity about me to my employees in an effort to turn them against me. One time she called the office after hours, and I made the mistake of answering. I hung up on her but she kept calling for several hours.

While I am sorry that Ms. Wallace has undergone suffering, it is not my fault nor has it been caused by me. The matter was already resolved on January 18, 2006, when my contract with Ms. Wallace concluded and at which point I had completed all necessary legal documents on her behalf. The help that I had offered after that time was not utilized due to inactions by Ms. Wallace, and by her rejection of avenues offered to her. At this point, no further resolution is called for, and none is offered. This is particularly the case because her contract with me expired well over a year prior to her complaint filings with the Attorney General and BBB.

For the purpose of clarity, before Ms. Wallace started going off the deep end I had prepared for her every letter that was appropriate. At that time, it was explained to her by me and others what it was that she must do in order for me to help her more. Instead of procuring her credit reports, she dug in her heels and commenced the blame game. Of course, I am not blameless, having unknowingly sent her a third-party bad check and then one of my own for which funds were not available, and I do sincerely regret these circumstances. But, when those things occurred I, too, was going through difficult times. Ultimately, I did rise to the occasion of meeting my obligation to repay her. . . and then some. Whereas, Ms. Wallace has sunk herself into a corner and has nowhere to go except to keep pointing at others, i.e. me, in this case. It is sad, but that is the state of affairs, and now you know it.

I think it is pertinent to understand that the nature of my business is dealing with people who are undergoing substantial changes, often negative, in their lives. Sometimes they are in a general spiral downwards, and all I can do is try to help with one element, i.e. lease termination. However, a person who is not effectively addressing his or her life, in general, may be unlikely to attend to details necessary for success in participating in the program I run, slipping up here and there, with deleterious consequences. That is, someone at the edge is at constant risk of teetering and crashing. It is human nature to lash out at those who happen to be around when that occurs.

In conclusion, Ms. Wallace is flailing about in her dire circumstances, and wishes to hold me accountable for those circumstances. She has suffered a personal injury. She has not been able to hold a job. I did not cause those circumstances.

To the contrary, my actions were proper and complete in fulfilling what was required of me.

Ms. Wallace's complaints about me are unfounded and mostly untruthful.

Beverly faces negative credit ratings because she did not follow our instructions, with which she agreed to comply by way of affixing her signature on January 18, 2005. The pertinent part of the instructions were as follows:

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Although it is unlikely that this matter will proceed to be reported as a debt on Member's credit report, nevertheless it is suggested that Member periodically obtain credit reports maintained about Member and other householders or leaseholders. In the event that Member ascertains that the debt is listed as a negative record with one or more credit bureaus or similar entities, Member agrees to immediately provide LAP with the following:
a. A copy of the credit report(s), including any confirmation or file number (or similar identifying designation) related to the claim
b. A listing of the following for each affected party:
i. Name
ii. Social Security number
iii. Date of birth
c. A brief, written description of how the negative credit record(s) has harmed or damaged the parties her contract with us.


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Beverly never provided me with her social security number so I could properly reference her in correspondence to credit bureaus. She did not provide a copy of any credit report, although she has in separate correspondence acknowledged her awareness that I required such documents to assist her. Consequently, by her inactions in these regards I was precluded from assisting her in challenging the negative records on her credit reports.

As to the $300 loan, it was fully repaid, although it did take a long time. I also acknowledge there was a problem with an insufficient fund check initially paid to Beverly, but deny that there was any malice or premeditation in my actions. It was unintended, and the debt was repaid in full. As to the financial harm she suffered as a result of the NSF check, Beverly was generously compensated with a separate, additional payment I made to her, in the amount of $200.

All obligations of me under my contract with Beverly have been fulfilled. In total, I prepared 19 letters for Beverly, dealing with every matter brought to my attention for which a letter should be prepared. These consisted of:
Demand remedy or terminate, 5 day1;
Demand remedy or terminate, 10 day1.doc;
Joined ATA notice1.doc;
Stay out notice1.doc;
Tell me more1.doc;
The truth be known1.doc;
Demands not remedied, leaving, 5 and or 10 day1;
Pay rent less deductions1;
Return keys, no liability1;
Security return demand1;
Vacating, request inspection1;
Fat lady takes a deep breath1;
Pay rent less deductions2;
No use for a lousy lease1;
Deposit improperly refunded;
No use for a lousy lease2;
Claims invalid, credit agency1;
Claims invalid, credit agency2;
and Claims invalid, credit agency3.

Beverly's case was certainly not ignored. In fact, I prepared a legal document letter for Beverly months after her contract with me had expired. And had she provided me with documentation relative to her credit reports, in compliance with the instructions, then I would have helped her with those, too.

Moreover, when Beverly contacted my office earlier last year, on more than one occasion she was referred to a competent Arizona attorney who generally handles wrongful credit-report cases on a contingency basis. Beverly was provided with the name and telephone number of the attorney. She expressed unwillingness to use that attorney, but instead contacted the Arizona Attorney General to complain. The Attorney General, upon being advised of the course of events, declined to take any action. So then Beverly turned her sights on the Better Business Bureau. That complaint, too, went nowhere, because the complaint was not valid.

At no time was any thought given as to Beverly's race. There was never any hostility against her, expressed or felt, by me or anyone else. In fact, when she came into town to collaborate on some business planning I put her up at my house. She was provided a bed to sleep in, bathing facilities, and then I personally assisted her to move some of her items from a storage unit.

I am not liable for Beverly's former landlord's refusal to return her security or other deposits, and deny that this has been stated anywhere. I am not liable for the fact that her landlord may not agree she had a right to terminate her rental contract. My job was to prepare legal documents to assist Beverly in lawfully terminating her lease, as well as follow-up correspondence. I deny modifying my website in any covert way. There never was any statement on my website that said there would be a refund if the lease was not broken in the time frame promised. However, in fact, the lease was properly and lawfully terminated in a timely manner.

While my work does include addressing credit report issues, I was unable to proceed in this regard due to Beverly's failures. I cannot be held liable for her failures.

I deny misrepresentation, theft, false promises, fraud, inefficacy, hostility, dismissive attitude, malice, lack of ethics, or racism against Beverly all allegations she has made in various forums. On the contrary, the record of Beverly's communications reflects that she is, at the least, unstable and aggressive.

She has sent me thousands of emails, often hundreds in a single day, containing insults and profanity.

In her emails she has accused me of being a child molester because a few nights I had Beverly over as a guest in my house, and while she stayed in my daughter's bedroom my daughter slept in my bedroom:

(Her verbatim quote: How Do YOU SLEEP at NIGHT? NExt to YOUR DAUGHTER??? Perverted JUSTICE for Ken VOLK).

In her emails she has made threats to contact my ex with whom I am engaged in ongoing family court matters:

(Her verbatim quote: Your daughter's Mom might want to talk to me...hmmmmm???). (Her verbatim quote: Since I have MiChelle's email address I will ask HER how to contact that poor little girls' mother. Perhaps you should go out and get a GROWN woman to 'FILL YOUR NEEDS'??? HMMMM??? You SICK PIECE of FILTH!!!! I want my MONEY BACK you LYING PIECE of S***!!! They should have you on "To Catch a PREDATOR"! You SICK, TWISTED B******!!!!)

In her emails she has threatened to contact a woman (not a client) with whom I was in litigation:

(Her verbatim quote: You'll Never Guess Who I'm Considering "Hookin Up" With... I just love Italian women! So feisty! Is this not your worst NIGHTMARE come to LIFE!? She doesn't know (But I will tell her how) that I've filed against you with Attorney General's Office as well as other federal agencies. She might find that of some interest. You think?).

In summation, Beverly has attempted to extort a refund from me with countless threats:

(Her verbatim quote: Do you think lettting this week go by without PAYING me is a SMART THING?? I wouldn't S*** on this opportunity to get rid of me, and all my emails, my blogs, my posts, reports and possible 'little message to your daughter's mom', if I were YOU!!!!! By Friday afternoon. That's ALL I'm giving you. Because the ODDS are you WON'T!!! In the meantime I'll be preparing for that STUPID Decision!!! And start making calls and writing reports, emails, complaints and posts THIS WEEKEND!!! WITH PLEASURE!!! Make my DAY, you piece of S*** and DON'T SEND BACK ALL MY MONEY or NOT SIGN IT OR SOME SUCH s**t!!! Make my day and think this is just a hollow promise. All you have to do is be the B****** A****** I know you to BE and I'll ACT ACCORDINGLY!!!)

It was so many emails I eventually had to create a separate subdirectory to contain them. She has repeatedly telephoned my office numerous times on a single day, bad mouthing me and spewing profanity about me to my employees in an effort to turn them against me. One time she called the office after hours, and I made the mistake of answering. I hung up on her but she kept calling for several hours.

While I am sorry that Beverly has undergone suffering, it is not my fault nor has it been caused by me. The matter was already resolved on January 18, 2006, when my contract with Beverly concluded and at which point I had completed all necessary legal documents on her behalf. Still, I did subsequently prepare another letter for her, but after that the help that I had offered was not utilized due to inactions by Beverly, and by her rejection of avenues offered to her. At this point, no further resolution is called for, and none is offered. This is particularly the case because her contract with me expired well over a year prior to her complaint filings with the Attorney General and BBB.

For the purpose of clarity, before Beverly started going off the deep end I had prepared for her every letter that was appropriate. At that time, it was explained to her by me and others what it was that she must do in order for me to help her more. Instead of procuring her credit reports, she dug in her heels and commenced the blame game. Of course, I am not blameless, having unknowingly sent her a third-party bad check and then one of my own for which funds were not available, and I do sincerely regret these circumstances. But, when those things occurred I, too, was going through difficult times. Ultimately, I did rise to the occasion of meeting my obligation to repay her. . . and then some. Whereas, Beverly has sunk herself into a corner and has nowhere to go except to keep pointing at others, i.e. me, in this case. It is sad, but that is the state of affairs, and now you know it.

I think it is pertinent to understand that the nature of my business is dealing with people who are undergoing substantial changes, often negative, in their lives. Sometimes they are in a general spiral downwards, and all I can do is try to help with one element, i.e. lease termination. However, a person who is not effectively addressing his or her life, in general, may be unlikely to attend to details necessary for success in participating in the program I run, slipping up here and there, with deleterious consequences. That is, someone at the edge is at constant risk of teetering and crashing. It is human nature to lash out at those who happen to be around when that occurs.

In conclusion, Beverly is flailing about in her dire circumstances, and wishes to hold me accountable for those circumstances. She has suffered a personal injury. She has not been able to hold a job. I did not cause those circumstances.

To the contrary, my actions were proper and complete in fulfilling what was required of me.

Beverly's complaints about me are unfounded and mostly untruthful.