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  1. Good call. Now, If I DV and they produce the proper validation of debt does that reset the SOL or give them more of a chance to get what they want from me? I havent researched what happens when someone DV's on debt with an expired SOL and the CA validates said debt. Other than making a deal for a PFD or something like that. Im not making a deal for PFD since its not on my CR. Even if a CA validates debt in question can you still just decide to tell them to FOAD? I always associate FOAD's with zombie debt and such. Whereas this is out of SOL but within the reporting period.
  2. Yes, i am almost certain that is has a DOFD from sometime in 2009. Is there any danger in DV'ing? In that, it could it make them more aggressive in collections efforts AND/OR actually start reporting that bad debt? Out of SOL they cant do anything about it but if they arent reporting now i dont want them to use that as leverage against me to clear it up. And why wouldnt it have been already been reported since DOFD or whenever it hits collection status? Last month was the first time ive accessed my credit reports in years and its just not there. Id like to keep it that way, ya know.
  3. Good point. Ive just received another letter regarding that account. However, this one looks like its been bought by a totally different CA from what was on the other letter and they are trying to collect on it. Same amount but this "deal letter" is for even more of a discount. AND at the bottom of the letter it states this: "This information is not legal advice. This debt may be too old for you to be sued on it in court. If it is to old, you cannot be required to pay it through lawsuit. While this debt may not be enforceable through a lawsuit, it may till affect your ability to obtain credit or affect your credit score or rating." Now, im remembering back and I did have one more credit card that went into collections during some hard times. Im pretty sure I stopped paying on it sometime in 2009 so its more than likely out of the statue of limitations. BUT why isnt it on my credit report? The others that I had during that time are, but this one is not. If its not reporting now, does that mean they can still report it at some point? Or since its old and hasnt been reported yet are they not allowed to report that debt on my credit report? Perhaps its just because its been sold around for awhile and hasnt popped back up on my CR yet? I dont know how that works so if anyone could share some knowledge, please let me know.
  4. the letter is from last year and ive received no info regarding it since that point. Its not listed on my CR at all so would a DV be worth stirring up any drama about it? If its something that has fallen off my credit report then they really cant do anything about it at this point, right? well except keep bugging me about it until I do send them a DV, or C&D or FOAD letters. After reviewing my CR, most everything stopped reporting actively back in 2011 and 2012 with the exception of a few debts that were picked up in 2013 and are now in collections with various CA's. Ive been brainstorming like crazy and I think it may be one of those wacky credit cards that I opened back in 2007 or something while finishing school. The thing is, if it is that account then it is definitely expired SOL and has dropped from my CR. Im assuming the letter is just a zombie debt that they are trying to get active again by getting me to make a payment or something. I mean, what are the odds of something getting picked up now that is not even listed on my CR? and has not been listed on my CR. unless it just dropped off my CR right before i checked my report this month for some other issues. very stange. is it really worth a DV? ive got no judgements or anything and no court proceedings regarding it.
  5. Im very curious on how to handle collections on this random account. Do i dispute it? Do I look into it? Does it even matter? Is it even mine? Could it be zombie debt? Here's the deal: While digging thru some old paperwork I came across a collections letter dated back in Sept 2013. Its a "deal" letter and says nothing but basically "here's what you owe us" and "pick your payment plan option.". The amount in collections is for about $1500 but I have NO IDEA what its from or what its for. Ive recently accessed all 3 of my credit reports and it is NOT listed anywhere. Not the creditor, the amount, nor the account number, I see NOTHING on my credit report about this account. The letter was sent from First National Collection Bureau and the statement is listed like this: Creditor: JEFFERSON CAPITAL SYSTEMS Original Creditor: FIRST BANK AND TRUST Original Account #: XXXXXXXX Ref #: XXXXXXXXX Total Due: $1489.95 Im assuming its been passed around to a few collection agencies BUT I still have no idea what it is and is not on my credit report anywhere. And i dont recall any other debt other than what is listed on my credit report. Maybe some cable bills or phone bills from wayyy back but i'll never see those again. The only charged off credit card accounts that I have on my report are far lower amounts than that and the only other collections account that even gets close to that number is something that is listed with an entirely different collection agency. (old gym membership, out of SOL. forgot about that whole 2 year contract thing when i cancelled and went to a different gym.) Anyway, I havent received any mail regarding that account since then. However this collection agency First National Collection Bureau does have another charge off account of mine. (Something for far less amount with an expired SOL so they may get a FOAD letter for that one sometime soon if they keep sending me stuff about it.) So on this $1500 collections account, does it even matter if its NOT on my credit report? Do I need to look into it? Should I dispute it? Should I just let it sit? I literally have no idea what it could be and I see nothing on my CR. I mean, I dont plan on stirring the pot unless they send me something else but this CA has another account of mine so maybe they mixed up? who knows. Or could it be zombie debt that has just been passed around so long and built up so much interest and fees that its so far inflated from the original amount? Since its not on any of my credit reports should I just send them a FOAD letter? Thanks in advance for any helpful tips or info. These forums are a wealth of knowledge.
  6. Yea, absolutely. Im going to wait it out since the SOL expires in November of this year. Messing with them now by way of sending a DV or complaint or anything else will probably just bring my account to the top of the pile as opposed to getting lost in the shuffle of robo calls and mailing letters.
  7. Ah, gotcha. There are quite a few calls from this year but not at what may be deemed as excessive. PRA bought this debt back in 11/2013 so they must just now be trying to get at me via phone and in the mail. ive moved quite a few times so they havent zeroed in on me until now. well, current address and calling my cell numbers that were on file on my CR. (which are now removed.) And yes, in most voicemails they state "this is an attempt to collect a debt, blah, blah,blah" and so on.
  8. Yea, from reviewing all the phone records they either call a few times a month. OR a many times a month, sometimes multiple times per day. Ive actually got 796 pages of calls in my google voice inbox at this moment most all from PRA. Along with many voicemails from PRA. all spanning over a couple years. i was just curious if that can be used against them. Thanks for the reference to that case. Good information.
  9. Not yet, Im weighing my options as to whether to send a DV now or wait a little longer until they send a couple more letters. I get random letters from time to time and usually throw them out, assuming they are too old to collect on. I just happen to be in the early stages of credit repair and this one is still within SOL and reporting on my credit history so im deciding how to deal with it. The excessive calls was just something I was looking into to have as somewhat of a defense or something, If i need it down the road. Again, the SOL on this debt expires in November of this year. Im not so sure I should even stir the pot yet in hopes that they will just keep doing robo calling and robo deal letters to try and get me to pay. Hopefully, WHEN and IF they decide to make a major move such as lawsuit the debt will be beyond SOL and I can send them an FOAD letter and just let it fall off my credit within the next couple years. In regards to a C&D, I have been informed that there are not partial C&D's and if I do send one the only recourse they have is to file suit. Since they cant contact me, they'd have to try and take me to court to deal with it. Which is what i am attempting to avoid before the SOL expires.
  10. So Portfolio Recovery Associates has been giving me hell over some old debt. Ive got another thread going regarding the whole ordeal. They've got 2 accounts with my name on them, one of which is beyond the SOL and the other which has about 8 months left on the SOL. Im preparing on whether or not to DV them on the most current account and see what they do, then make a deal. Or just wait it out until the SOL expires and I can send a FOAD letter on both accounts. (amounts ranging, $700 - $1000) From what ive read online, its pretty hard to get PRA to do a PFD or anything like that. So I may just wait it out and see what happens as they continue to send letters and call. NOW, while im waiting is there anything that can be done about excessive calling? And does this constitute as excessive calling that can be used as a complaint or violation? These screenshots are from my Google Voice number which I have used for years as my billing telephone number. From the voicemails they left and call backs that i made to check numbers, im pretty sure these are all Portfolio Recovery Associates. From the looks of my Google Voice inbox, it looks like this has been going on for a very long time. Ive got probably about 500 calls logged in the inbox from varied numbers spread over about 2 years time. Just like the screenshots. Sometimes a couple same day, sometimes the next day then 2 days later and so on and so on. Varied but still very many. Does this constitute as excessive calling or any sort of violation? Seems a bit overboard to me. And what can I do about it? I dont ever answer this phone number but the calls have recently been coming in on my personal line. And If they start coming in at this frequency, im going to have to change my number... maybe i can use this against them?
  11. @Credithis, then what can i do to stop calls and have them continue communications ONLY in writing? i know that once I submit a DV they cant legally call for 30 days but is there any way to stop them after that 30 day window? ive got a different JDB that im going to have to do this same thing with to stop calls and BS before the debt maxes out of SOL. Basically, ive got 2 accounts with 2 different JDB's that are ALMOST out of SOL (end of year) and im trying to deal with them by EITHER slowing the collections process until they reach SOL (by taking no calls, answering no letter deals, possibly send out DV's, etc) OR if they pursue the debt excessively before SOL and threaten suit i'll make a deal with them later. This thread is primarily aimed toward my collections with Portfolio Recovery Associates. Literally by the end of the year i can tell them to FOAD... suggestions?
  12. I think i understand what you mean. Maybe I should re-word the communications part and leave out the "Cease & Desist" so they dont think its for ALL communication. I will word it something like this "I request that all further communications must be done in writing. I request that all telephone calls stop as they are inconvenient. I request that you do not contact my family, acquaintances, or employer in any manner." That should work, right?
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