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BrotherAviation's Achievements


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  1. I received a letter today notifying me of them closing the accounts disputed and returning them to the creditor. Is this considered a partial victory? Lol
  2. Hello, everyone. Today marks the 30th day since they received my DV letter sent via certified mail. I've yet to get back anything from them since it was delivered. What happens now?
  3. Aside from the debts associated with this original post, which total to a little over $5,000 and are all outside the SOL, I only have one more for $85 that only shows up on my Experian report. I believe that one is also outside the SOL. All these accounts have been healthcare related and I don't have any other negative marks on my report.
  4. I figured it would be a good opportunity to increase my overall credit limit.
  5. I sent out the letter on the 27th of Feb. Thank you all for your help and advice. Should I take advantage of my temporarily improved credit score to get one or two new credit cards?
  6. I found this DV letter template and it looks very thorough. Is this acceptable or are there any other recommended templates? http://usacreditlawyer.com/debt-collection/rights/Sample-Debt-Validation-Letter.pdf
  7. What does DV stand for? Debt validation? Would requesting that trigger an acknowledgement of the debt, thereby resetting the SOL clock?
  8. Clydesmom! Thank you for sharing your knowledge with me once again. There are a total of 6 charges outlined in the letter with different dates of service. I don't recall exactly when I saw these providers but the range they each fall in 05/2011-07/2011 makes sense. The latest date listed is 07/08/2011 which would make that 5 years 7 months and 11 days old, and the ones in the previous two months even older. I read somewhere about a 90 day period until they actually become delinquent, and a subsequent 180 day period until they can be reported to the CRAs. Does that influence the statute of limitations consideration at all or is it only the date the service was provided as you mentioned in your reply?
  9. I recently received a letter from Phoenix Financial Services notifying me on their intent to collect on some old medical debt. The accounts were previously handled by a different collections agency, and I noticed that out of the blue the accounts dropped from my credit report I check weekly. I also noticed that my FICO score provided by my Discover card went up 90+ points after the collections fell off my report. The date of service for each of the debts listed in the letter range from 05/20/2011 to 07/08/2011. I live in the state of Florida and here the statute of limitations is either 4 or 5 years (through my research I've encountered both numbers). According to the letter, I have 30 days to request a validation of the debt in writing. My question is regarding the statute of limitations. What date is used determine the age of the debt for the purposes of qualifying whether it is in or outside of the statute of limitations. I know I have at least another 2 years for this debt to fall off from my credit report on its own, however, within that time frame I would like to have my credit be as polished as possible. I would be open to negotiating with the new agency before they report to the CRAs, but I would like to see where I stand on the statute of limitations issue for the purposes of bargaining power. Thank you in advance for your help.
  10. I would deal directly with the providers after contacting the CA? I'm under the impression that they CA owns the debt now based on what I've seen them doing over time with dropping then re-adding the collections accounts.
  11. I was told this was the very beginning of the process, and the people that I've talked to so far hinted as if there wasn't even a guarantee that I would be hired in the event that I got these taken care of. The debts add up to a little over $5,000. That's a significant amount of money to be throwing at something with no definitive outlook. Would the time passed still give me leverage to negotiate the debt with the collection agency? How would one go about verifying the agency and getting more information about what is owned? This is my first time dealing with anything of this sort.
  12. I currently have 6 collections accounts on my report resulting from medical debt. I’m going through the pre-employment process at a big firm and the compliance department brought them up. They are asking me what I intend to do to resolve them. All of the accounts show open dates of either 8/2012 or 11/2012. I live in Florida, and I know the SOL is either 4 or 5 years. What are my options at this point? Any advice would be greatly appreciated.
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