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This came from 2001badyear...some good info here. This is not a complete list of course...so if you have any CA names and numbers calling you - PM me or add it as a reply. Thanks!

Ok so I'm new to this process and when I discovered I could "e-file" I envisioned uploading a few pdf files before midnight... it's now 6:24pm and midnight is approaching before I'm technically judgement-eligible... Can I call the actual debt-buyer tomorrow and settle (lump sum) before the attorneys have the chance to file to enter judgement and garnish wages, etc? If so, what document do I request from the debt buyer to prove the debt is cleared to the courts? Just a $0 balance? Would I still be liable for the fees the lawyers accrued for filing the suit? Thanks,

My friend who this post has been helping on another issues with a JDB has now received a Right to Cure from Gurstel Law Firm for an alleged c.c. account from Discover which was dated 11/14/2018 and received 11/16/2018. Right to Cure deadline date is 1/3/2019. It also gives 30 days after receipt of this Right to Cure to request verification of this debt. (deadline around 12/15/2018). The amount of the alleged debt is $5,707.45. This will end up in State District Court if petition is filed as $5,000.00 is maximum for small claims court. We would like to call Discover customer service right away on Monday to see if we may be able to get 12 or 13 months of complete statements on alleged account to verify account and if it's his account we would like to get the last date a charge was placed on that card to properly figure SOL. According to the 3 credit bureaus this alleged account has a 1st delinquency date of 8/2014 and a charge-off date of 2/2015. If Discover doesn't provide us with statements or if they say they will send us statements which haven't arrived in a reasonable amount of time in the mail, we would then send the law firm pre-emptive filing via a DV request on or about 12/14/2018 stating the alleged account isn't ours, that we would like to elect private contractual arbitration in JAMS as Discover gives him a choice of arbitrators and request that Discover pay the initial $250 fee as outlined in their 2014 C.C. Agreement. We are doing this knowing there is a good chance that since this is a pre-emptive, pre-suit request for arbitration that we probably won't get an answer to our request for DV. This will however delay collection efforts. We will not be providing a c.c. agreement for 2014 as they should know what to use and we don't want to tip our hand anymore than necessary. Questions regarding above are: Would this prevent Discover from suing my friend until we get some kind of response, if any, from DV request of law firm? Should we include filled out JAMS paperwork that we haven't filed yet? Would it be a better choice to initiate arbitration and get a JAMS number, instead of just electing arbitration? Should the written request for Discover paying our JAMS fee be on a separate page or included in the body of the DV letter? If Discover ignores DV request for election of arbitration and JAMS closes file after 30-60 days can Discover file petition at that time then? If Discover is able to file a petition at that time can we do a MTC arbitration stating we tried to use JAMS per their c.c. agreement but they didn't respond, or do we go Federal Court to file at that time? Governing law in pricing schedule for Discover c.c. agreement is Federal and DE. In main agreement on same 2014 agreement it states Federal and DE, along with state being sued in regarding SOL issues. Should they be able to pick and choose when they can use governing law?

One more member joining the ranks of brave fighters against collections. Got a call from the plaintiff's attorneys. They are asking for a 45 day extension for answering my Discovery request for them to answer. I already answer their Admissions, Production, Interrogatories and Disclosure request with knowledge from several forums. Is there any suggested responses for this? What is the best course of action? Suggested law references for this? lawsuit is in Texas in Justice Peace Court. David

I am in a position now where I can comfortably work on my credit repair and have been for almost a year. The last items on my list are the 3 collections on my CR. I can manage full payment of 2 accounts now, but would like to approach this in the most efficient manner if I can reduce the payment and MOST importantly remove them from my credit reports but I am unsure if I should be contacting all 3 agencies now or focus my efforts on 1 at a time. DIVERSIFIED CONSULTNTS (not original collector) - For Sprint cell contract $687 9-10 years since contract. Report date Dec 17, 2018 MEADE & ASSOC (original collector) - For medical treatment $660 5-6 years since treatment. Report date Jun 10, 2014 RECOVERY ONE LLC (not sure if original collector) - For Music Store $654 approx. 8-9 years since contract. Report date Dec 09, 2014 I used to receive voice mails up until about 2-3 years ago about these debts but was paranoid and never called or verified any information with the collectors. Now I never hear from a collector. With what information I have provided can anyone offer advice on what order I should do this, and what steps make sense for each of these accounts? I assume that some are easier to work with than others. Thanks in advance for your helpful comments.

Hi all, So forgive me; it's been awhile since I've had credit problems, but last year was a rough one... SO I had two cards with capital one that both charged off about 6 months ago...... I just got a letter dated 1/18 that says "My account was acquired by Sherman Originators III, LLC on 1/17." And that they own my account and may contact me yata yata.... a) trying to not panic that I will receive a summons ?? b ) I am totally wanting to pay these off. One is for 733.00 and the other for about 1200.00 My finances are kind of tight as I've been paying quite a few things off, but my income is steady and I could slowly but surely pay both. If this is my plan, do I need to freak out that they won't work with me? Unfamiliar with this company; have no idea what to expect. Any help or insight would help. I will try not to react unrealistically in the meantime! Thanks!

Hi everyone, I recently received a "Pre-Legal Notification" letter from Midland Credit Management, Inc. informing me about a balance owed to Capital One. The letter says, "After numerous attempts to contact you regarding this account, Midland Credit Management, Inc (MCM) will transition your account into the attorney review process after 02-12-2019." I have never dealt with anything like this before and would greatly appreciate help from someone who has any past experience and knowledge in what to do in this situation. I have read some of the other posts about sending a DV letter, waiting for a response, and using an arbitration clause but I'm not sure I fully understand what to do. I'm a student and don't have a lot of money, much less the amount they're asking me to pay. I would like to avoid paying this if possible and to have the Midland account removed from my credit report. I would greatly appreciate any reliable advice that you can offer me on what to do in this situation and thank you for your time in advance.

In question is a debt of $12,000 from an old Citibank card charged off July 2012, junk collector Cavalry SPV is now pursuing me. Case is ongoing in my municipality in Ohio. I have answered all of their requests and interrogatories and attended a pre trial conference May 2. I believe I caught them offguard as they assigned a new local lawyer that very morning. At the Pretrial I denied everything and the Cavalry Lawyer kept badgering me for my birthdate and social security, I simply stated you guys should already have this and know who I am. Long story short, the Judge asked Cavalry as to where is the signed contract? The Cavalry attorney pulled out 100’s of pages of statements, 4 years worth showing my name. The Judge smirked and asked, again, where is the signed contract to show the defendant is the owner, the Cavalry Attorney sat silent. To which the Judge scheduled yet another pre-trial in June. Being a novice pro se, I immediately the next day filed a request for production, the first request was to “produce any credit application signed by the defendant”. Today I did indeed receive a response to my request that states, “Objection the request calls for the production of documents in excess of the two year record retention period set forth in CFR 226.25 Plaintiff states that it is not in possession of any document which may be responsive to this request.” So now my question is, do I wait for the next pretrial and see what the Judge says, or in the meantime file a more definitive motion? Their evidence is 4 years of credit card statments from 2008-2012. Card charged off July 2012. I highly doubt they are in possession of any signed contract, whether it be physical or electronic. What is the best course of action?

I have a collection for $3210 from LVNV Funding. I am a few points away from being pre-approved for a mortgage. I believe if the collection is removed it will boost me to a pre-approved score. I want to offer LVNV $1000 in settlement and to remove the collection account. Anyone know how likely they are to remove the account under these terms?

So I've been doing some research into the PRA debt collection cases in my State and looking at the court records of events to possibly get some tips on how others are fighting them if they even contest it at all, which most don't. Well I really haven't found anything more helpful than what I've learned from the fine people of this site. But I did find out that last year PRA filed over 5,000 lawsuits statewide and as I'm typing this a single Attorney has over 900 open cases! I just think that's crazy! That should be illegal. Every case is filed electronically, signed electronically and in almost every case the Attorney never had to show up in court, even if they were required to, they would ask the court if they could appear via phone and were usually allowed to.

I will start off by seeking your 2 cents on below matter. I will be very grateful for your help and thanks in advance. I requested for my gym membership to be canceled but they continued to charge me. I blocked my card and disputed transaction with my bank who ruled in my favor and credited the amount back to my account. My gym was still trying to charge me every month, I went down in person to the gym, spoke to the manager and showed the proof of cancellation who then sent email to the billing department to stop charging. I thought it was all over, only to find a collection on my credit report. Luckily it's not reported on all three, but just one. Long story short, I got in touch with the collection agency and sent the proof of cancellation(emails from the gym). They were supposed to check with my gym but they never got back and I never bothered to check again. Now, I disputed it to my credit reporting agency who after a month wait, ruled in my favor. Most likely because the collection agency did respond in the time provided. The collection was taken off my account now. P.S: Even though I feel morally / legally I don't owe these guys any money, the debt is only a couple of hundred dollars and I would just pay it off and get over with it than going through this hassle of credit repair which may cost me more than paying off the collection anyway. Let alone any bag of worms this debt can create later on because I may change my address if I relocate to another state and I may not get any physical mail which may go unnoticed. I don't know if they sue or take this legally. I would definitely fight back If I get to know but that is something I want to avoid.

Spoke to a rep at Carson Smithfield and was offered a settlement for 25% of money owed to Merrick Bank. Called back a couple of days later to set up arrangement and they weren't going to honor the offer. After a bunch of back and forth they said as long as payment is made by the end of the month (7 days away). I want to accept the offer but they say they can not send me the offer in writing. What?! He said that their offer letters are auto generated by the computer and the language in those auto generated offers gives 35 days to make payment but this is a special deal that he wont extend for 35 days. I recorded the call with him , with his permission, where he lays out the deal but don't see how I can send money without a written agreement or letter. Any suggestions?

Hi. This is my first post here. I've been searching high and low for help regarding a lawsuit filed against me by Portfolio Recovery Associates in Los Angeles County, and I'm at a loss as to how to proceed. I'm unable to afford an attorney, but my research has shown me that you can defend yourself on these cases, and actually have a decent shot of winning. After they initially served me, I figured out how to respond to their summons, and I did so with about as many affirmative defenses as I could find. Unfortunately, I missed the discovery phase and only started paying attention to the case again a couple of weeks ago when they served me with their witnesses "testament in lieu of live testimony." I know that I need to subpoena their witness, and I need to do it quick (trial is on the 6th of June), but I've never served a subpoena before, and I'd really like to do it right - could someone point me in the right direction?

Hi.. I just learned that my credit card account was sold to portfolio. They sent me a verification letter and everything seems okay. after i received the verificatian letter I, on the phone told them that i will pay in full ($400). They again send me a letter. The letter contains account information and write this: you have made an arrangement with mr.xx on the phone to make your payment in full. and bla bla. The letter doesnt contain this: we will update the account as paid in full once we receive the payment(should i request them to add this in the next letter before making payment) or "you have made an arrangement with mr.xx on the phone to make yourPAYMENT IN FULL" would enough for me to force them to update the account as paid in full after i make the payment?

I have a loan (still within SOL) that was sold to another company for collection a few months ago. That company has sent me verification of the debt in the form of the loan agreement and my payment history. The loan was initiated online, so there is no physical signature. The bottom of the loan agreement provided to me says that I acknowledged receipt of the agreement by checking the submit button and state that I have read and agree to the terms and conditions. It further says I acknowledge and agree that any digital or electronic signature represents my signature on the agreement. The loan agreement sent to me does not include a signature line or any mark claiming to be an electronic signature. Here are my questions... Is the act of clicking a button sufficient to eliminate the need to show an agreement was signed electronically? How would a collection agency prove to a small claims court or arbitration that a button was clicked (or an agreement was signed electronically)? It seems as though there would almost need to be an activity record that includes the IP address of a visitor, time of the visit, their actions (button clicks), and keystrokes (signature). Thanks to everyone in advance for your feedback and input.

Hello, I'm new here. I'm being sued or summoned by PRA in California and I need your help please. I've been having problem after problem with my car, work, and with this lawsuit. Its made my life heavy and miserable. Any help would be greatly appreciated to take this weight off my shoulders. I was planning on ignoring it to be honest cause i dont have the money to hire an attorney. I've answered the questions necessary thats been requested by the admin/moderators. Thanks again ahead of time. *Note: I've left out specific info. If anyone needs more specific info I can message or email you. -Nehv 1. Who is the named plaintiff in the suit? Portfolio Recovery Associates, LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Portfolio Recovery Associates, LLC 3. How much are you being sued for? Less than $5,000 for principal balance, costs of suit and "any such other relief as the court may deem just and proper" 4. Who is the original creditor? (if not the Plaintiff) Synchrony bank 5. How do you know you are being sued? (You were served, right?) Not yet. Served with papers left at home while i was out and also got two letters from attorney services. 6. How were you served? (Mail, In person, Notice on door) Papers were dropped off on the floor. 7. Was the service legal as required by your state? I don't know. I'm not sure to be honest. Since the papers were just on the floor. Process Service Requirements by State - Summons Complaint 8. What was your correspondence (if any) with the people suing you before you think you were being sued? No contact what so ever with PRA before or after summons. 9. What state and county do you live in? Los Angeles, California 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) I believe in mid 2015. Never made a payment with the collection account with PRA. 11. What is the SOL on the debt? To find out: Statute of Limitations on Debts Well in California it says the most is 4 years. 12. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). As if today: Unknown disposition. 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 14. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request, don't bother doing this now - it's too late. No 15. How long do you have to respond to the suit? (This should be in your paperwork). If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? Here is an example of what the summons/complaint may look like: Sued by a Debt Collector - Learn How to Fight Debt Lawsuits I haven't been served yet. Where can I find the charges? I read all the paperwork. Can someone guide me? It says I "expressly or impliedly agreed to pay ... Balance" 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. They attached two billing statements of the original account with Synchrony Bank.

Hi there, I've taken out a loan to attend a private university in the US a few years back. This school has a cooperation with a private, US-based, lending institution to enable prospective international students that cannot find any other forms of financing to take out a loan. In case of the student not being able to make payments and going into default the university is then liable to pay as it basically functions as co-signer. I've been making my payments for the last several years, but now I am encountering financial difficulties that will likely force me to go into default on the loan. That would then mean the university would have to pay the remainder of the loan. As my situation does not look likely to improve over the next few years a deferment may not be an option, so it will likely result in the private university having to cough up the money. Borrowing money from another source is not an option for me as I have no assets to use as collateral. I own a 2nd hand car, re-possessing that would yield less value than going through the whole (int'l) paperwork to get a title to re-possess it in the first place. I do not own any real estate or have any wealthy family, I come from a fairly humble background by US standards. I am NOT living & working in the US and am NOT a US citizen. The loan is NOT a federal student loan and the amount outstanding is less than $100k. What are my options? Can the university get a title against me and possibly re-sell that to an international collections agency? Does it depend on bi-lateral relations? Could it affect me in any way if I were to move to the US at some point in the future? Could I declare chapter 7 bankruptcy in the US? Any other suggestions, possibilities and/or consequences? So far it's not come to this and I'm merely conducting exploratory research. I think the fact that I've actually paid for a few years shows that I'm not trying to run from my responsibilities or get an education on someone else's dime. Hope you can understand that I will not mention the name of the university or the lending institution. Thanks in advance for any and all help & suggestions. xyz12345

Question about validity of a suit filed on us by Portfolio Recovery Associates. They sent to litigation of attorney in Snellville. Looking at summons served (and after investigating via social media, etc), it appears that the attorney who filed the suit and signed the statement of claim had the statement notarized by a notary who happens to be his wife. Is this really legal in Georgia? I thought if you were a notary you could not notarize for a spouse or family member if it were for something in which financial gain was to be made. In this case the attorney would be collecting the amount of $745.00 plus "legal fees" of an undisclosed amount. I have not prepared the answer to send back to the magistrate yet, but curious as to what I should write on it if I believe the attorney is really just trying to collect by thinking I won't show for court and he would win by default. Also, we've only received 2 notices prior that the account was sold and being collected upon by PRA; however, our phone has been "blown up" with calls from various numbers which when googled all point to PRA. Please advise. Thank you.

need help...asap...was given a summons...*side question dude did not require signature...when being served, dont they need a signature?!?*...it was a utility bill...dte in michigan...*under 1000*...last payment was on november 2010...*i was on a payment plan*...the summons states i was at that address until feb of 2011...i was not...i can prove i moved in nov. of 2010...sol would have expired in november of 2016...what i can not prove is that i did indeed call the utility company to disconnect service...BUT...the utility company stated that last activity on account was nov of 2010. stenger & stenger is handling the debt collection...i offered 500 bucks...they said 750...i JUST got a lay off notice for next week...ANYONE?!?...help or input?!?...should i go to court and show the sol expired?!? thanx

Hello All, I am back. In Spring 2015, I happily bade my farewells to Courts and Collections and said "Hi" to clean credit reports and wise using credit. Until today, I had my TU (TransUnion) Credit Score 690-705 reported thru one of my credit cards. Today, I found my TU Credit Score as 602 and immediately requested my Free Annual Credit Reports after 1.5 years not worrying about this. My today's (11/12/2016) TU Credit Report show one deragatory item: MIDWEST RECOVERY SYSTEMS 2747 W CLAY STREET SUITE A ST CHARLES, MO 63301 (888) 253-3440 Placed for collection: 09/29/2016 Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY Balance: $720 Date Updated: 11/04/2016 Original Amount: $720 Original Creditor: VIN CAPITAL LLC <------------------------- I have no clue who are they (Financial) Past Due: >$720< Pay Status: >In Collection< Report Created On: 11/12/2016 Also I found that my old friends Midland and Navient (former Sallie Mae) recently pulled my Credit Report with TU: MIDLAND CREDIT MGMT INC 2365 NORTHSIDE DRIVE SUITE 300 SAN DIEGO, CA 92108 (844) 236-1959 Requested On: 08/19/2016 Permissible Purpose: COLLECTION NAVIENT SOLUTIONS INC PO BOX 9500 WILKES BARRE, PA 18773 (888) 272-5543 Requested On: 08/18/2016 Experian does not show anything, Equifax as usually denies my online requests and requires me send them by mail copies of my Driver License and SS Card. I opened my Dispute with TU and posted my Consumer Statement "Not my Account".

Hello, I must thank everyone who contributes here so much. I started cleaning up my credit about two months ago. I had five collections and two charge offs on my EQ. I depended on the advise given here and sent some verification letters and also disputed with the CRAs and followed up with a MOV after the disputes. Two CA's deleted right away and sent letters saying they are no longer collecting on my account. After the MOV, EQ deleted all my other three remaining collections accounts. As of today, I have only one charge off from a credit union. My score has jumped 35 points, from fair to good credit on EQ. Thank You ALL SO MUCH! Transunion and Experian have been more difficult but I just got a $5200 collection from a former apartment also deleted from both after disputing and sending them documents. Now I know its only a matter of time before I will get back to good and then excellent credit. This forum works wonders. Thanks!

Hello, Years ago my wife had a judgement against her that lead to her bank account being emptied and wages garnished until the judgement was satisfied. It happens. The collection company failed to report that the judgement was satisfied in 2014 and we are just now realizing it in 2016 because it is holding us up from buying a house. We have called them asking for it to be taken care of and are always routed to a messaging machine or promised that it'll be faxed where we asked only to have it not happen. To me, from my research and according to the FDCPA, they responsible for providing misleading information about a debt and that has been affecting her credit for two years now. What can we do to get this taken care of? It appears that there is legal retribution for their carelessness.

I just got served on Saturday - for a BOFA credit card with $30,000 charge-off. As far as I remember, I got this credit card as a "secured credit card" by putting a $500 deposit to use, back in 2008. I can't remember clearly but I believe I applied for it at a bank branch - since you have to put in deposit - Not sure if I signed anything or not, it's been years. After 10 months or so, they refunded my deposit and turned this card into unsecured card. Fast forward years, my limit kept increasing and eventually it was $27.5K. I defaulted, it got charged off with $30K and now the lawsuit. Any opinions on how to approach this would be great! ------------------------------ 1. Plaintiff is wholly-owned subsidiary of Bank of America Corporation and the successor in interest to FIA Card services, formarly known as MBNA America Bank, NA. FIA was merged into and under the charter and title of Plaintiff effective October 1,2014. 2. Defendant is an adult individual residing in this county 3. Defendant applied for and received a credit account, which is owned and administered by Plaintiff (the Account). Defendant used or authorized the use of the account for the acquisition of goods, services, balance transfers or cash advances in accordance with the customer agreement (Agreement) governing use of the account with plaintiff. 4. Defendant breached the agreement by failing to make periodic payments as required thereby and the account was subsequently charged off. The entire balance on the account is owed to Plaintiff and is presently due and payable in full. 5. The current Account balance is $30K, which includes any applicable payments and credits. The account is not accruing post charge-off interest. 6. In accordance with federal regulations, monthly periodic statements for the account have been provided to the defendant. Attached hereto and incorporated herein as Exhibit A, is a copy of the last periodic statement provided to defendant prior to charge-off. Based on Plaintiff's records, there are no unresolved billing disputes related to the account. 7. Defendant's last payment on the account was made on November 18, 2014. I certify that the matter in contraversy is not the subject of any other court action or arbitration proceeding, now pending or contemplated and no other parties should be joined in this action in accordance with Rule 4:5-1 (b) (2). --------------------------- 1. Who is the named plaintiff in the suit? Bank of America NA 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Law offices of Frederic I. Weinberg and Associates 3. How much are you being sued for? ~ $30,000 4. Who is the original creditor? (if not the Plaintiff) Bank of America 5. How do you know you are being sued? (You were served, right?) Served in person 6. How were you served? (Mail, In person, Notice on door) In person, by the Sheriff 7. Was the service legal as required by your state? Yes 8. What was your correspondence (if any) with the people suing you before you think you were being sued? No correspondance 9. What state and county do you live in? Bergen County, NJ 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) 11/2014 11. What is the SOL on the debt? To find out: 6 yrs Statute of Limitations on Debts 12. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). Suit served on Saturday. 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 14. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request, don't bother doing this now - it's too late. No 15. How long do you have to respond to the suit? (This should be in your paperwork). If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? 35 Days 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Only copy of 1 credit card statement.

Hi Everyone! I was hoping to ask you all for some advice. I lived in an apartment complex in Arizona about 3 years ago. I had to break my lease and was charged $2,300. The debt was turned over to IQ Data International ( a very rude collection agency) . They are currently charging me $2,900 stating that the additional $600 is for interest that they are 'legally allowed to charge'. I have disputed this with the big 3 back in October 2015 for fraud ( because I thought the argument can be made that these charges are fradulent) but apparently the company verified my debt. I now live in Chicago and do not know if this changes the interest they can charge me? Also I called the original creditor ( my apartment complex) and as the company managing has changed, they were unable to provide me with a copy of the lease. I also asked the collection agency for a copy of my lease which I was told they currently do not have but will request and send me. When I asked if there would be any terms that in the original lease, agreeing to pay interest the person at the collection agency said 'probably not but it is state law to allow it'. Here are my questions: 1) If I did not agree to pay interest to this company, can it still be charged if it is not in the lease? 2) Does living in Chicago change the laws that affect me now or does this not apply since the contract was signed in Arizona? 3) Can this company sue me? If so what does this actually mean? 4) I got Lexington Law to send a debt validation to these people to which they said they will not respond as it is 'frivilous'. Is this true? Can they ignore these letters? Thank you for your help in advance !!!

Hi Everyone, I wanted to reach out to all of you and ask for your advice: I recently had 3 collections on my account they broke down as follows: C1- $2,300 ; from 2013; paid for delete C2- $1015; from 2013 ; paid in full - got a letter from landlord stating ' i do not have any past or future liabilities as my balance is paid in full'. C3- $687 from 2013 but reporting as 2015 on CK. I am getting this deleted as well. My questions are: 1) How much do you all believe my credit score will increase due to all these changes/deletions when the account cycles? Currently it is a EQ568, TU566, Ex540 and all the changes were made 2 days ago. 2) As i have the letter for C2 stating no past and future liability, do you think I will be able to dispute it , use the letter as evidence and get it deleted? Any advice will be greatly appreciated!!