Desperate620

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About Desperate620

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    New Jersey
  1. Desperate620
    yes, credit card debt
  2. Desperate620
    Hi guys just wondering how you guys find all the cases you've been citing? I need some good NJ case decisions and/or opinions to argue a case. Please help
  3. Desperate620
    Nope, PRA started reporting in March 2018 at 1814.25. Oddly, LVNV started reporting at the exact same time at $467. And the account number and OC are the same (at least as much as they show on the credit report...)
  4. Desperate620
    Hi, new here but desperately need some info. Got a demand for money ($1814.25) from Portfolio Recovery. Went to verify on credit report, found the same account with the same "status updated" date with LVNV. But here's where they differ. LVNV is (same account #) for $467. So, should I infer from this that Portfolio Recovery got this from LVNV(?) and decided to up the amount by 4x? Now I don't know whether to dispute the debt on the credit report, send them a debt validation letter (which I've read bad things about) or just wait to see if they take it to court (where I can dispute the amount)?