Help Me Im Poor

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  1. OC was Comenity Capital Bank - Overstock and last payment was 3/1/20. I’m not sure when I opened the account. Around 2013 I believe. I also want to add the debt is in my maiden name. Does that matter? They are still addressing me with my maiden name.
  2. Hello, I received a pre-legal notification 4 days ago (1/20/21) and I’ve read conflicting info on if I can/should send a debt verification letter. What would my best option be? I’m unable to afford to pay, obtain an attorney, or a credit sweep service as I’m barely getting by as it is. Thank you for your help!