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Found 2 results

  1. Hello everyone. After reading through the forums here, as well as others, I can see this game being played by CA is something that will carry on long after we are all gone, kind of like cockroaches. Like others, I was shocked to receive a Settlement Offer Letter in the mail from a company called Convergent Outsourcing. They are claiming to represent a creditor by the name of LVNV Funding LLC (this is not OC). The settlement offer is for roughly $1000. The letter has the address for Converegent as Houston, Texas. However, the return address of the letter is to Wixom, MI. A few things to note from the letter... The letter was addressed to my maiden name. I've been married for nearly 14 years. In order for this "debt" to be legit, it would have to be from a CC I had 20+ years ago and hadn't used since. I vaguely remember receiving a letter similair to this at least 13/14 years ago referencing LVNV to which I accepted their settlement at that time. I no longer have any records of this as I have purged my documents considering the age. About a month ago I pulled my CR and noticed this Convergent company had done 2 soft inquires last year. All 3 CRA are not reporting anything associated with LVNV, Universal Bank, Convergent or any of the other Sherman companies. All that is being reported is 3 current CC's which have been paid in full each month since I've had them. I have nothing else being reported. *Copied from letter... The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC will not sue you for it, and LVNV Funding LLC will not report it to any credit reporting agency. I find that particular statement interesting. If I can't be sued by LVNV Funding LLC, and if LVNV Funding LLC will not report to CRA... clearly the SOL has run out. They know this. Are they preying on people who won't read this, and, or search out advice and instead just settle? Can any other "business" other than LVNV sue or report this supposed debt? At this point, what are my options? My fear with submitting a DV is if somehow Convergent lies and says the debt is valid. Wouldn't this automatcially reset the SOL clock? Perhaps I should send a C&D? I received this letter a week ago, and it has drained me to the point that I just can't take it anymore. I just it to go away. I look forward to reading your advice. Thank you. Additional gibberish copied from the letter... *Copied from letter... THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. *Copied from letter... You may request records showing the following: (1) that LVNV Funding LLC has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date of default or the date of the last payment; (4) the name of the charge-off creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the charge-off creditor's or debt buyer's records prior to the sale of the debt, as appropriate; and (6) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to: 800 SW as" Street Renton, VVA 98057. *Copied from letter... This Privacy Notice is being provided on behalf of each of the following related companies (collectively, the "Sherman Companies"). It describes the general policy of the Sherman Companies regarding the personal information of customers and former customers. Resurgent Capital Services L.P. Sherman Acquisition L.L.C. Resurgent Capital Services PR LLC LVNV Funding, LLC PYOD LLC Anson Street LLC Ashley Funding Services LLC SFG REO, LLC
  2. I received a letter from Convergent Solutions regarding and alleged debt. This is apparently an alleged charge off from Sprint that they claim to own. The present balance is under $400.00. this will be past the SOL date by the end of this year. Based on the balance it appears that the chance of litigation would be minimal ( my personal assumption) As I am trying to work on the negative reportings on my credit report I thought it would be worth the shot to call Convergent and see if they would be willing to pay for delete on this alleged account. I explained to the customer service rep. that I spoke with that I did not know of this debt and was unaware of it's existence until I reviewed my credit report and that I dispute that the debt is valid. I said in an effort to minimize the damage that this is having on my credit I would be willing to possibly pay to have this deleted from my credit report. The customer service rep. stated that they do not pay to delete and that if we came to some sort of settlement agreement it would be reported as settled. Has anyone had any success with pay for delete. Would it be worth calling back and asking to speak to a supervisor.
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