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About Michigander

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    CIC Member


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    Love to fish and drink beer
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    Airline Pilot

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  1. Two years ago Portfolio Recovery Associates attempted to collect on an old debt. A DV letter and complaint to the VA AG had them stop and remove the TL from all three CRAs. Fast forward to today. In the mail arrives a dunning letter for payment. This is an old debt of my DW that went delenquint in 1999. SOL in MI is 6 years. This is well past SOL. So, my question is do we DV them again or just send a cease and desist? I will ask her to pull her reports to see if they are reporting. Thanks!
  2. Thank you all for your replies. I will try with the OC and see where that goes.
  3. Retmar, Thank you for your timely reply. I will stand firm on this request for PFD and have done so for two years. I will approach the hospital with your suggestion in person and see where that goes. I must believe that a recent paid collection account is much more damaging to my reports and scores than an four year old third party collection account. The journey continues......and thank you again.
  4. I have attempted to pay in full for a PFD in writing with this CA three times. They absolutely refuse and state that they cannot delete the TL from my reports. I advised them that they were a 3rd party collector and had no legal obligation to report to the CRAs. Their response is "what obligation do they have to remove". I have responded that if they want payment in full, their obligation was to remove the TLs. Has anyone had experience with this CA? Was is successful? This is a fairly small amount at about 500 bucks. I am willing to PFD, but not to have a recent paid collection on my reports. This account was for 2003. Thanks!
  5. Unifund is commonly refered to as "Uniscum". They are the lowest of the bottom feeder JDBs and have most likley purchased your out of SOL account from Citi for pennies on the dollar. I am not an attorney. I have dealt with Unifund and have found them to be lawsuit happy and they usually blanket a specific area with lawsuits at different times. I guess they go fishing for people who easily scare and cave to their strong arm tactics. It appears that you are on top of the situation. Do they appear on your CRAs? If so, did you dispute/DV? Did they pull your reports? Did you notice any address changes on your reports after they did pull? They have been known to do this so as to show an old address as current for service. Good luck and keep us updated. Your affirmative defense is obviously SOL.
  6. Is there a way to obtain a complete CR with full account numbers? I belong to TrueCredit, but all accounts are issing the last 4 digits. Thanks!
  7. Thank you all for the advice. Today TU and EX are above 620 and EQ is still behind a little at 574. Not a bad start from low 500s a few months ago. Before 9/11 I used to have 780-800 credit scores and I will work my way back with the excellent help and advice that I get from this forum. What an experience it has been so far. I believe that CAs are definately the bottom feeders of the global ecosystem, in fact they have to wait to wait for a good person to eat Sh@t before they can feed on the carcus. Oh well, Thanks to all! T
  8. Michigander


    I retained an attorney to deal with Uniscum, ( Unifund). They appeared on my CRAs about 12/05 and never sent a dunning letter, etc. They have never even called. They (I believe), played games with my current address on my TU report and had my current address changed to my previous address about 9 days after they pulled my reports. I rectified this, disputed with the CRA and had my address corrected. They have dropped off all 3 reports after an initial dispute with the CRAs. The have purchased old COs, more than doubled the amount stated as owed and, like I stated, never contacted me. My attorney says they will settle for nothing less than 80% of the astronomical ballance that they say is owed. He has been playing hard ball and we are prepared to file Ch 13 if need be. Ch 7 is not an option, which puts me in a somewhat restricted negotiating position. Has anyone settled with these scumbags, and if you have, what approximate percentage did you get from them? Thanks for the assistance!
  9. It is strange that the CRA does not report. I use true credit, also. Possibly the wrong forum, but what exactly is a split file? Thanks!
  10. Michigander


    Unifund has been deleted from all 3 CRAs. I know they are lawsuit happy by reading both this forum and Bud Hibbs board, ( in great depth). There are no real "stickeys" for unifund. But there should be. These people, and I use the term "people" lightly, are the bottom sucking scumbags of the CA/JDB market. I have sucessfully deleted 9 instances of Unifund from all 3 CRA files. What my issue is now is will they still sue. Does any member have a similar experience or ANY dealings with these scumbags. CarolinaBlueEyes has given me great advice in the past. Thanks for reading this and please respond if you have any info.
  11. Far be it for me to ever offer legal advice, however I believe that without prejudice means the case can be tried again. If it was dismissed with prejudice, it means the court system will not entertain hearing it again. I am not a lawyer and anyone with better advice plese jump in here.
  12. Unifund disappeared from all 3 CRAs after my dispute. My question is do they linger and sue or do they go on to other unfortunate victims? FYI, my EQ score jumped 43 points because of this to 618. Working on the others. Many thanks for the great information!
  13. How do you pull daily reports on TrueCredit. I subscribed and for the monthly service and seem to be able to only view the same report for 30 days at a time. Am I missing something. I ask, because the thread start is a good and valid question.
  14. A dispute with all the big 3 had them withdraw from my reports. Now, TrueCredit sent me an alert that there had been new activity on my TU report. The re-inserted, increased the ballance due and posted it as of 07/30/06. They were not even off of TU for 30 days after my dispute with the CRAs. Has any other member had this occur? How did you handle it, other than the normal CRA dispute process? I have never recieved a dunning letter from Unifund, so it is hard to DV. They are lurking in the background, and I assume waiting to pounce. Thanks!