Any payments made or proposed through this site and related links are considered voluntary payments. By processing any payment less than the full balance owed, you understand and agree that our office and our client are not agreeing to a specific payment arrangement (unless expressly confirmed by a representative of Chaplin & Papa, P.C. dba Chaplin & Gonet via telephone, email, letter, stipulation or other correspondence). Payments made shall be applied to the account selected by you. ***4% Convenience Fee Exception: Any convenience fee prohibited pursuant to the FDCPA (15 U.S.C. §1692) or applicable state law are applied to reduce the total obligation. Please contact the office to determine if this exception applies to your account or for details about your account balance.*** You understand that making a payment on your account, other than a payment in full, does not establish a payment arrangement and may not stop further collection effort. Our office and our client do not agree to suspend collection activity unless expressly confirmed via telephone, email, letter, stipulation or other correspondence. It is important that you contact our office to discuss the current status of your account or if you have a court date pending in the next seven (7) days. When sending a payoff or responding to a settlement offer on your account as the result of the payment proposal, or if you require additional assistance, please contact our office at: (804) 643-0133 between the hours of 8:00 a.m. and 4:30 p.m. EST Monday through Thursday, 8:30 a.m. to 3:30 p.m. EST on Fridays or email us at firstname.lastname@example.org to confirm your balance and proposal.