FL_minor

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About FL_minor

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  1. Ok, got it. Interesting. So they were trying to intimidate me when they said it had already been reported. And I guess if I paid them without anything in writing from them, they would just report it paid on my CR?
  2. Thanks for the suggestion. 1. Assuming that they signed the letter and sent it back, how do I pay them? a) Virtual Credit Card over phone? Virtual Credit Card on their online payment site? c) Insist on paying by money order? 2. Also, could it be that they already reported this to the CRA, but its just taking time to show up on my CR?
  3. CA: Mint ex Inc DV-ed?: Yes, they send me copy of citation. Amount asked: < $50.00 Date/History of Parking Violation: A supposed unpaid parking fine from Dec 2008. Contacted OC?: Yes, a month back. I was just visiting in this county, and I know for a fact I paid for parking, but I guess they didn't see my token. I never got any notification from the County for this. I called the County Clerk's office over there and they basically said they were helpless, and that I had to pay the CA. They did say that if I paid the CA, they might be able to request them to not report it to the CRA...but I'm skeptical. Contacted CA: Yes (a month back). They returned my call. The guy wanted me to pay the amount from my checking account. He said he will not send me any letter about removing it from my credit report. But he did say he will make sure it is taken off my report(!). This was all a month back. I was dealing with other issues, so put this on hold. Credit Report: I have been monitoring all 3 agencies through USAA, and I don't see this collection on my report, as of today. Question: From what I see on the forum, it's wise to pay off a parking fine. Their letter gave me an option of paying my check or credit card on their website. I was thinking of creating my bank's virtual credit card for the exact amount to pay this off. Is this ok? Thanks!
  4. CA: Mint ex Inc DV-ed?: Yes, they send me copy of citation. Amount asked: < $50.00 Date/History of Parking Violation: A supposed unpaid parking fine from Dec 2008. Contacted OC?: Yes, a month back. I was just visiting in this county, and I know for a fact I paid for parking, but I guess they didn't see my token. I never got any notification from the County for this. I called the County Clerk's office over there and they basically said they were helpless, and that I had to pay the CA. They did say that if I paid the CA, they might be able to request them to not report it to the CRA...but I'm skeptical. Contacted CA: Yes (a month back). They returned my call. The guy wanted me to pay the amount from my checking account. He said he will not send me any letter about removing it from my credit report. But he did say he will make sure it is taken off my report(!). This was all a month back. I was dealing with other issues, so put this on hold. Credit Report: I have been monitoring all 3 agencies through USAA, and I don't see this collection on my report, as of today. Question: From what I see on the forum, it's wise to pay off a parking fine. Their letter gave me an option of paying my check or credit card on their website. I was thinking of creating my bank's virtual credit card for the exact amount to pay this off. Is this ok? Thanks!
  5. Does anyone know what the correct address for Resurgent is? I was tracking my letter and I see this message "We attempted to deliver your item at xx:xx AM on July xx, 2010 in GREENVILLE, SC 29601 and a notice was left. You may pick up the item at the Post Office indicated on the notice, go to usps dot com, or call 800-ASK-USPS to arrange for redelivery." I had only sent it one address on the letterhead (Suite 600). They had another P.O box address where they mentioned "I may also send my payment". I'm wondering if I should send it to that address also.
  6. True, which is why I was wondering if they were just prepping for a lawsuit.
  7. But since they claim to verify the debt, is it safe to assume the case is closed?
  8. Yep, something's crazy up there in their office for sure. btw, *I* know its 10 years old, but have no way of proving it, which is why I am resorting to the letter that Linda suggested.
  9. I'm sending my letter today by Priority Mail with delivery confirmation. It's basically Linda's letter(from Post#3 in this thread), which I hope would also serve as a debt validation letter. If anyone has any final thoughts, please let me know. thanks for all the help!
  10. Alright, today I got yet another letter. That's the 4th letter (dated June25th, 2010) in 10 days. Dear FL Thank you for your recent inquiry regarding this account. We have taken the necessary actions to ensure you will receive no further communications from Resurgent Capital Services L.P. If you have any further questions, please contact one of our customer service reps toll free @ 1888xxxxxxx. Enclosed please find an original validation of debt that verifies this debt. Sincerly Customer Service Dept. Resurgent Captial Services L.P. heh, what inquiry I wonder...I have not sent anything to these Resurgent guys yet. Is this their setup for a court summons...feels like one to me. I will be sending off a letter to them tomorrow or Saturday by CMRR. Will post a draft here before that. Meanwhile, I'm going to put a lawyer's number on my phone's Contact list.
  11. Too late for that I had already signed the Northland letter.
  12. You are right. This was my DV letter: To Whom It May Concern: This letter is being sent to you in response to a notice sent to me on xx/xx/xx. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (that your claim is disputed and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have a legal obligation to pay you. Please provide me with the following: What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Identify the original creditor; Copies of any papers that show I agreed to pay what you say I owe; Documents regarding the payments made on this account; Provide a verification or copy of any judgment if applicable; Prove the Statute of Limitations has not expired on this account; The agreement which authorizes you to collect on the assumed debt. Your credentials to collect in my state with license numbers. At this time, I also request that you do not report invalidated information to any of the 3 major Credit Bureaus (Equifax, Experian or TransUnion). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time any collection activity must cease and desist. If your offices cannot respond to this validation request within 30 days from the date of your receipt, I request that all references to this account be deleted and completely removed from my credit file and a copy of such deletion request be sent to me. I would also like to request to you, in writing, that no telephone contact be made by your offices to my home or to my place of employment, under my right according to the Fair Debt Collection Practices Act. All future communications with me must be done in writing and sent to the address above in this letter.
  13. Thing is, my DV letter was sent to Northland originally. The next 3 have been from Resurgent about the same account, to which I have not replied as yet. So I wonder if they are trying disregard the original DV letter I sent to Northland, and trying to accuse me of not establishing contact with Resurgent. PS: Is a DV letter considered to be a dispute letter?
  14. Ok, this is getting bizarre now. I received yet another letter from Resurgent. This, before I could shoot off a single letter to them. Dated June 22, 2010 - Resurgent Dear FL: Information you provided regarding this account has been forwarded to the Customer Service Department for research. However, we have been unable to contact you to discuss this account. If we are unable to establish contact with you within 21 days from the date of this letter, active collection efforts will resume on your account. If your account is currently being reported to the three major consumer reporting agencies, a request will be submitted to update your tradeline to indicate "Account information disputed by consumer" during the next reporting cycle. Please contact us toll-free at xxxxxx so we may update your contact information and assist you in resolving this account. --------------------------------- What information did I provide I wonder?? What are they trying to pull here? Do they some information that I might be overlooking here?!
  15. Btw, does it complicate matters if LVNV was the last CA collecting on my credit card while the CO was still on my CR? Is it possible that they are just trying to reinstate the same debt? As to why I didn't take any action back then, I just assumed all negative accounts on my CR were the delinquent CCs and that there was nothing I could do about them than wait for it to drop off.