I've been reading your forum for over a year and I am forever grateful to everyone posting useful info as it helped me a lot (can't go into details, signed NDA).
But here's what I am dealing with today:
I received a letter from CA on the account I last paid in 2012.
OC sold the account and this is JDB#4 I am dealing with with. Others went away after my first DV letters,
but this one decided to stick around and answered my letter providing OC name, account balance, last payment date, etc.
New "creditor" is JH Portfolio, letter is from a law firm acting on their behalf.
I pulled my credit report today and found that OC deleted the account JDB is trying to collect on. It does not exist on my CR (all three agencies).
Question: does the fact that account was deleted by OC change how I deal with JDB?
This is something I've never dealt with before, so I need your advice.
What would you, guys and gals, do?