MAX21

Members
  • Content Count

    6
  • Joined

  • Last visited

Community Reputation

2 Neutral

About MAX21

  • Rank
    Newbie

Profile Fields

  • Location
    Illinois
  1. Hi everyone, I have an account that I disputed with Lexington Law (still have the records) and a collection agency is trying to say I owe 4700 dollars while in disputing with both the credit bureaus and original creditor letter there could be no verification of this debt. When I pulled my most current credit report it shows "ACCT CLOSED DUE TO REFINANCE;". I never refinanced this alleged account and I do have proof of Lexington disputing and getting items off this account removed several times. Should I present this in court against the collection agency? P.S. One of the collection agencies the current collection agency bought the account from was given a debt validation also by lexington and they removed the item because they also had no proof. Please advise.
  2. Ok I agree with you. From the information I have it looks like they don't have a leg to stand on. I just wanted to make sure I have all angles covered.
  3. Yes I saw that, It's other current case law that I'm relying on in my upcoming motions.
  4. Clydesmom I got what you said on #1, for #2 I saw case law where I live which shows that a summons must conform to 1692g which theirs didn't do. As for #4 how could that be admitting to the court that the debt is mine when I originally disputed it and had it removed as not being mine in the first place? To me that's a powerful argument against them trying to collect.
  5. Hi everyone, Today I filed my answer and response to LVNV Funding LLC after they sent a summons to me via sheriff for an alleged debt of nearly 5K. What i noticed was that I never received an initial communication with them until I got this summons period. Secondly I've disputed this account on my credit report before and the original creditor listed it as disputed and never further pursued any action and they never verified it. Looking at my most current I pulled that account and creditor isn't even listed and from my credit reports from as far back as 2010 it showed the account as being disputed. The collection agency also isn't listed on my credit report. So I have a few questions to make sure I got everything covered: 1. Can they collect on a debt that was removed and never was reported again by the original creditor? 2. If I never received any information before getting a summons aren't they in violation of the FDCPA? 3. Since reporting a debt is considered collection activity is LVNV trying to circumvent the law by sending the summons hoping to get a default judgement because they nor the original creditor which I've disputed isn't reporting the debt? 4. I used Lexington Law and I still have the emails showing the original creditor removing the debt, can I just print this also as evidence especially with them being the company sent emails? Once again this account isn't present on my credit report and help is greatly appreciated. Thanks!
  6. Hi everyone, Today I filed my answer and response to LVNV Funding LLC after they sent a summons to me via sheriff for an alleged debt of nearly 5K. What i noticed was that I never received an initial communication with them until I got this summons period. Secondly I've disputed this account on my credit report before and the original creditor listed it as disputed and never further pursued any action and they never verified it. Looking at my most current I pulled that account and creditor isn't even listed and from my credit reports from as far back as 2010 it showed the account as being disputed. The collection agency also isn't listed on my credit report. So I have a few questions to make sure I got everything covered: 1. Can they collect on a debt that was removed and never was reported again by the original creditor? 2. If I never received any information before getting a summons aren't they in violation of the FDCPA? 3. Since reporting a debt is considered collection activity is LVNV trying to circumvent the law by sending the summons hoping to get a default judgement because they nor the original creditor which I've disputed isn't reporting the debt? 4. I used Lexington Law and I still have the emails showing the original creditor removing the debt, can I just print this also as evidence especially with them being the company sent emails? Once again this account isn't present on my credit report and help is greatly appreciated. Thanks!