btammymcneilpaul

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About btammymcneilpaul

  • Rank
    Newbie
  • Birthday 06/16/1971

core_pfieldgroups_99

  • Biography
    Divorce black female trying to get life back on track
  • Interests
    Sports and collecting stuffed animals
  • Occupation
    Teacher

Profile Fields

  • Location
    Pennsylvania
  1. Yeah I did that with Portfolio recovery and they quickly sent me a letter that they would delete themselves of my credit report....
  2. Now to continue my saga, I received a letter from Asset acceptance telling me that they know about financial difficulty and offered to settle for 50 percent of what I supposedly owe. Are they tell me they are going to keep "disputed" on my credit report that they decided to report or are they telling me that they have validated the debt and that I need to pay. I have asked in the last two validations the following information. 1. An explanation of what the amount owed is for and how it was incurred 2. An explanation of how this amount was calculated. 3. Copies of any documents that show I agreed to pay this amount 4. Complete payment history starting with the original creditor. 5. Proof that you own the debt or has been assigned the debt 6. Copies of statements from the originial creditor 7. Copies of the original signed loan agreement or credit card application is satisfactory. 8. Copies of any documents that show I agreed to pay this amount. 9. Verification or copy of any judgment, if applicable 10. Identification of the original creditor 11. Proof that the statue of limitations has not expired on the account 12. Proof that you are licensed to collect in my state 13. Your license numbers and registered agent documentation Now the first response to the validation was the name of the company and how much I owe with the amount of interest typed out on their letter head. Well I never had a card from that company. So I sent a second one asking them for payment history starting with the orginial creditor, when the last payment was made and proof that statue of limitations have not run out, copies of documents that show I agreed to pay this amount,copies of statements from originial creditor, copies of the original signed loan agreement or credit card application, proof that the collection agency own this debt. The second letter stated that they are in response to my request and after a complete investigation that their finding a valid and going to report "disputed" on my credit report. Now today, I received another letter from them asking for 50 percent of what I supposedly owe, what kind of letter should I sent them back now...I never had this credit card and I want them to show me proof that it is mine. Any suggestions....
  3. Now to continue my saga, I received a letter from Asset acceptance telling me that they know about financial difficulty and offered to settle for 50 percent of what I supposedly owe. Are they tell me they are going to keep "disputed" on my credit report that they decided to report or are they telling me that they have validated the debt and that I need to pay. I have asked in the last two validations the following information. 1. An explanation of what the amount owed is for and how it was incurred 2. An explanation of how this amount was calculated. 3. Copies of any documents that show I agreed to pay this amount 4. Complete payment history starting with the original creditor. 5. Proof that you own the debt or has been assigned the debt 6. Copies of statements from the originial creditor 7. Copies of the original signed loan agreement or credit card application is satisfactory. 8. Copies of any documents that show I agreed to pay this amount. 9. Verification or copy of any judgment, if applicable 10. Identification of the original creditor 11. Proof that the statue of limitations has not expired on the account 12. Proof that you are licensed to collect in my state 13. Your license numbers and registered agent documentation Now the first response to the validation was the name of the company and how much I owe with the amount of interest typed out on their letter head. Well I never had a card from that company. So I sent a second one asking them for payment history starting with the orginial creditor, when the last payment was made and proof that statue of limitations have not run out, copies of documents that show I agreed to pay this amount,copies of statements from originial creditor, copies of the original signed loan agreement or credit card application, proof that the collection agency own this debt. The second letter stated that they are in response to my request and after a complete investigation that their finding a valid and going to report "disputed" on my credit report. Now today, I received another letter from them asking for 50 percent of what I supposedly owe, what kind of letter should I sent them back now...I never had this credit card and I want them to show me proof that it is mine. Any suggestions....
  4. Now to continue my saga, I received a letter from Asset acceptance telling me that they know about financial difficulty and offered to settle for 50 percent of what I supposedly owe. Are they tell me they are going to keep "disputed" on my credit report that they decided to report or are they telling me that they have validated the debt and that I need to pay. I have asked in the last two validations the following information. 1. An explanation of what the amount owed is for and how it was incurred 2. An explanation of how this amount was calculated. 3. Copies of any documents that show I agreed to pay this amount 4. Complete payment history starting with the original creditor. 5. Proof that you own the debt or has been assigned the debt 6. Copies of statements from the originial creditor 7. Copies of the original signed loan agreement or credit card application is satisfactory. 8. Copies of any documents that show I agreed to pay this amount. 9. Verification or copy of any judgment, if applicable 10. Identification of the original creditor 11. Proof that the statue of limitations has not expired on the account 12. Proof that you are licensed to collect in my state 13. Your license numbers and registered agent documentation Now the first response to the validation was the name of the company and how much I owe with the amount of interest typed out on their letter head. Well I never had a card from that company. So I sent a second one asking them for payment history starting with the orginial creditor, when the last payment was made and proof that statue of limitations have not run out, copies of documents that show I agreed to pay this amount,copies of statements from originial creditor, copies of the original signed loan agreement or credit card application, proof that the collection agency own this debt. The second letter stated that they are in response to my request and after a complete investigation that their finding a valid and going to report "disputed" on my credit report. Now today, I received another letter from them asking for 50 percent of what I supposedly owe, what kind of letter should I sent them back now...I never had this credit card and I want them to show me proof that it is mine. Any suggestions....
  5. Now to continue my saga, I received a letter from Asset acceptance telling me that they know about financial difficulty and offered to settle for 50 percent of what I supposedly owe. Are they tell me they are going to keep "disputed" on my credit report that they decided to report or are they telling me that they have validated the debt and that I need to pay. I have asked in the last two validations the following information. 1. An explanation of what the amount owed is for and how it was incurred 2. An explanation of how this amount was calculated. 3. Copies of any documents that show I agreed to pay this amount 4. Complete payment history starting with the original creditor. 5. Proof that you own the debt or has been assigned the debt 6. Copies of statements from the originial creditor 7. Copies of the original signed loan agreement or credit card application is satisfactory. 8. Copies of any documents that show I agreed to pay this amount. 9. Verification or copy of any judgment, if applicable 10. Identification of the original creditor 11. Proof that the statue of limitations has not expired on the account 12. Proof that you are licensed to collect in my state 13. Your license numbers and registered agent documentation Now the first response to the validation was the name of the copy and how much. Well I never had a card from that company. So I sent a second one asking them for payment history starting with the orginial creditor, when the last payment was made and proof that statue of limitations have not run out, copies of documents that show I agreed to pay this amount,copies of statements from originial creditor, copies of the original signed loan agreement or credit card application, proof that the collection agency own this debt. The second letter stated that they are in response to my request and after a complete investigation that their finding a valid and going to report "disputed" on my credit report. Now today, I received another letter from them asking for 50 percent of what I supposedly owe, what kind of letter should I sent them back now...I never had this credit card and I want them to show me proof that it is mine. Any suggestions....
  6. sent a validation letter to a collection agency Asset Acceptance. They did not validate the debt. All they sent me a letter that stated: " We are in receipt of your correspondence regarding information reported by credit reporting agency related to the above account. We have reviewed the information you provided, as well as our notes and the information provided by from the original creditor. As a result of our investigation we have reported your account as "disputed" to the credit reporting agencies." They did not validate anything and can they do that. Also what else should I be doing. Should I send another validation. I am at a loss. Can someone please help me. Is there something I can do to speed it along. They sent me a letter stating that they are requesting the information that I requested for them to validate but have not gotten it yet and that was a month ago. What else can I do. Will having that on my credit report hurt my credit report and score. Please help still waiting on my validation from them.
  7. I sent a validation letter to a collection agency Asset Acceptance. They did not validate the debt. All they sent me a letter that stated: " We are in receipt of your correspondence regarding information reported by credit reporting agency related to the above account. We have reviewed the information you provided, as well as our notes and the information provided by from the original creditor. As a result of our investigation we have reported your account as "disputed" to the credit reporting agencies." They did not validate anything and can they do that. Also what else should I be doing. Should I send another validation. I am at a loss. Can someone please help me.
  8. I sent a validation letter to a collection agency Asset Acceptance. They did not validate the debt. All they sent me a letter that stated: " We are in receipt of your correspondence regarding information reported by credit reporting agency related to the above account. We have reviewed the information you provided, as well as our notes and the information provided by from the original creditor. As a result of our investigation we have reported your account as "disputed" to the credit reporting agencies." They did not validate anything and can they do that. Also what else should I be doing. Should I send another validation. I am at a loss. Can someone please help me.
  9. Yes I will send what they left on my mom voice mail message. Since we both have verizon as a phone carrier she was able to send me a copy. They claim they sent letters to my previous address. I know the collection agency they used had my new address from the validations I sent them that they never responded to. Now since I can only hold the message for 30 days is it legal for me to type up what the message said and keep it as evidence since in 30 days it will automatically be deleted. it is very detailed and I know they shouldn't have left that much information.
  10. When I send off my validations, all I have been getting is something printed on their letterhead explaining how interested was compounded. Now when I send out the validation I ask them for the following. 1. An explanation of what the amount owed is for and how it was incurred 2. An explanation of how this amount was calculated. 3. Copies of any documents that show I agreed to pay this amount 4. Complete payment history starting with the original creditor. 5. Proof that you own the debt or has been assigned the debt 6. Copies of statements from the originial creditor 7. Copies of the original signed loan agreement or credit card application is satisfactory. 8. Copies of any documents that show I agreed to pay this amount. 9. Verification or copy of any judgment, if applicable 10. Identification of the original creditor 11. Proof that the statue of limitations has not expired on the account 12. Prrof that you are licensed to collect in my state 13. Your lixense numbers and registered agent documentation I ask for all this information and all they mail me is how much percentage was added and a brief description of how it was incurred. Should I send another validation and ask for more then a printed out explanation on their letterhead of how the interest was occured. Would love any advice you would have.
  11. All the information I have read is shocking about LVNV....I have them Along with Ascent, Resurgent, and some others. Should I keep sending validation letters to them or should I sent the validation letters to all 3 credit bureaus to get it deleted.
  12. I take it you have dealt with these people before. They are not a lawyers office I take it. The fact that they say they were from allstate insurance on the voicemail left at my mom's house. They said they sent to my pervious address that I haven't been living for over 4 years. However they can find my mom's number and look for me their. I would love to know where they are going to send this letter. If they had my mom's number then they have her address....They never asked me for mine....
  13. I have a delimma. I am now being sued by a creditor. I need to go to the beginning in order for you to understand. I received a collection letter in behalf of a company called applied bank what use to be called cross country according to the collection letter. Now when I got the letter I have no clue of this card. I sent the validation letter to the collection agency and asked the to validate it. I never heard anything. Then after a few months they sent me another letter. Again I sent them a validation letter. Several more months went by and I get another letter...Again I sent them another validation letter. After the 3rd letter I heard nothing from them. Now, come yesterday my mom copied a message to my phone about allstate insurance calling me about a case. Well I never had allstate insurance for anything. When I listened to the message, First thing they said was that they were from allstate insurance and they are planning on suing me on behalf of their client. Well when I called, they are not even an insurance company they are representing the creditor applied bank for about 2300.00 dollars. Now they said that I supposedly owe 991.00 dollars. I said I have to research this. They then went on to tell me I am dilusional and dumb on the law. I explained to them that I responded to the collection agency on their behalf and they did not produce anything. I asked him to send me what they supposedly have and they said they don't have to send me anything and that they are going to sue in my county courthouse. Now he also said that this account was opened in 2003 and that my last payment was in 2005. Now I know for a fact that Pennsylvania statue of limitations run out in 4 years. They said the payment was December of 2005. Now is this a way to try and get me to pay up before they run out. he also said he was going to the court house to put a rush judgement against me. Now I haven't been served any papers on in court hearing or that they plan on suing me. What can I do. I am assuming that they do not have to follow the Fair Credit Practices law like collection agencies do. Please give me some insight on what my options are. They say they are a lawyer office but when I googled them it should they are a collection agency...Not really sure because they come up as Allstate Financial Services. They didn't want to give me their address so I can send them a validation letter. I really don't know what they are but would like some help and advice if you can.