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  1. I received a complaing from Midland by regular mail. I talked to a lawyer and he said it may be better to settle- debt us inder 3k I still have time to answer the complaint, but I sent a debt validation letter and they responded right away with a statement copy form original bank and bill of sale from original bank to them, Midland is the 2nd JDB, previous collector was Oliphant. Wells Fargo- original creditor and Oliphant reported on credit , now Midland reported with higher figure( fees interest I assume) I never received in writing anything before from therm ever, I have robo calls from an
  2. My friend has a collection showing on all 3 credit bureaus from LVNV who is a JDB, who allegedly purchased an old Citi CC with a balance of $13,000.00, so it wouldn't qualify for small claims in Iowa and therefore arbitration by either party is allowed. The SOL is not up for another 1 and 1/2 years but there is no TL on credit bureaus from the OC Citi regarding this account as it must have been removed sometime after LVNV allegedly purchased this account from Citi. Anyway, every once in awhile for the 3 years LVNV has had this account they send a dunning letter from one of their many compani
  3. Hello Everyone, Like many, I have been closely following this forum for a long time, soaking in so much empowering and invaluable information. After wringing my hands and banging my head against the figurative wall in agony, I've finally mustered the courage to reach out to you in hopes that you can give me some advice. The JDB I'm dealing with is LVNV, and the law firm representing them is Harris and Zide. The OC is Citibank. I have not been sued yet, but I did receive a dunning letter dated 10/19/18. From the various posts I've read so far, it will be a matter of time before I receive a
  4. I was just curious if debt validation is a good idea? I received letter from a collection agency stating that they have purchased a charged off debt from Sallie Mae (Not federal, Private Loan). In the letter they sent they give me the balance owed. The amount is high, close to $10,000. In the letter, it looks like they do have the full account number, and balance owed and purchased from Sallie Mae. In the letter they go on to state that I can send a debt validation letter within 30 days, without that letter they will assume the debt to be valid and it goes onto say they will obtain a judgement
  5. I am being sued by Unifund. I don't recall the debt. I pulled my credit report and can't find OC (citibank cc) or JDB on any of them. I contacted their attorney and Unifund and requested any other info they had to help validate this so I could negotiate if in fact it was legit. (Just courtesy call nothing formal in writing) They sent appx 6 statements from 2015 and 2016 on act opened in 2012. At first glance I noticed my name. I have a very common name , (like Barb Jones or Cathy Smith common) and my medical records have been confused with a woman by the same name but different birthday,
  6. Got a dunning? / intent to sue letter from a "Debt Collecting Law Firm" (Winn Law Group?) I'm about to send out this Validation letter. Is it too much? (I added parts of sample letters that I found through my research, then changed & added wording here and there. Full credit to the original writers of the parts I implemented.) ----------------------------------------------------------------------------------------------------- Me DCLF Date: Thursday, January 11, 2018 CRRR#____________ To Whom It May Concern: This letter is being sent to you in respo
  7. Hi everyone, Today I filed my answer and response to LVNV Funding LLC after they sent a summons to me via sheriff for an alleged debt of nearly 5K. What i noticed was that I never received an initial communication with them until I got this summons period. Secondly I've disputed this account on my credit report before and the original creditor listed it as disputed and never further pursued any action and they never verified it. Looking at my most current I pulled that account and creditor isn't even listed and from my credit reports from as far back as 2010 it showed the account as bei
  8. So here's my situation. Back in 2015 I was contacted by one JDB claiming that I owed about $700 in an old cable debt to a service provider I didn't have. I sent a debt validation and never heard anything more from them and assumed that they must have realized they had the wrong person. In March of 2016 I get a letter from Southwest Credit. Same account numbers as the other JDB letter (I saved the original) but the amount is no where near what the other company was asking for. I'm talking about half as much. So again I sent for validation and again I didn't hear anything back and nothing was
  9. I am a victim of identity theft, and I have reported to the police & FTC. Thanks to the advice given by members on here, I have been able to resolve quite a few fraudulent accounts & collections (approx. 20 to date). There is 1 CA that continues to report fraudulent collections, and they threaten to report more. I have had 7 collections removed that Commonwealth Financial Systems have placed on my credit reports due to failure to verify when disputed with the CRA's. After failing to verify with 1 bureau, they turned around and reported the same collection to another bureau. So the
  10. I have filed disputes with all 3 CRA's, but they are coming back with different results for the same accounts. Some of the accounts are with same CA, yet the credit bureaus are saying validated for some, couldn't validate for others. The same ones that couldn't be validated with one bureau, are validated with another. So I'm wondering, how does this happen? They were all disputed as "not mine", because they are not mine. The same collection agency is validating some of the accounts with a bureau , not validating others with same bureau, and vice versa. So basically, it looks like the sam
  11. Hello & HELP!, I work for a medical provider and I am assisting a patient who is being harassed by a collection agency and her insurance company. Here is the breakdown: Patient had surgery in California but the Patient lives in Michigan and her Insurance company's coverage is out of Michigan. Our patient was seen and services were rendered in June 2011. We are a medical facility out of California and the patient lives and has insurance coverage out of Michigan. Our surgical center submitted an out of network claim correctly. Shortly after submitting the claim the Insuran
  12. Creditors haven't responded to debt validation letter, but CB says debt is accurate I've twice written Calvarly Portfolio Services and Portfolio Recovery (two separate debts), asking for a debt validation. It's been 60 days since the first letter went out and 30 days since the 2nd. I did not receive a response to either letter. I disputed the debts, noting that the creditors did not respond to my request for validation. The credit bureaus came back and said their investigation revealed the debts are accurate. Dealing with another creditor, I was able to get it completely de
  13. Yesterday was a light mail day. There was one piece of mail with the return address of Warren, MI. I knew immediately it was from Asset Acceptance. Let's go back in time to talk about my experience in dealing with them so you can see how this started, and now, how it has ended (spoiler alert: I didn't pay them anything). About 3 years ago I began receiving calls from them. I was excited to see BoA sell it off to them, as debt buyers are pretty easy to beat up on in court. I fired off a letter that disputed the debt in its entirety, and I demanded proof thereof. It was one of those 2 senten
  14. I received my DV from Suttel, Hammer & White for Midland Funding/Citibank. "This validates the debt and we have been instructed to proceed to collect unless satisfactory repayment arrangements are made." They sent affidavit of creditor, billing statement and chain of title and seller data sheet. How do I proceed to make arrangements, I am thinking this is my only option.
  15. Hy guys, I have been reading a lot on this forum and I want to thank all those who brought a beam of hope into the lives of many people! Thanks! This is my issue: on July 9 I received a letter from a law group, signed and dated by a lawyer July 6 2015, informing me of their "Intention to file litigation....". They informed me that I had 30 days to dispute the validity of the debt. On August 3rd, I sent a letter (didn't think to make it certified!) to the law firm. Today, August 9, I receive another letter from the same law firm (dated and signed Aug 6) stating they have "Intention to file
  16. I dv'ed a CA using TFC 392.202 and they sent a response saying "We are in receipt of your letter of dispute or request for verification pursuant to 15 USC 1692g of the FDCPA. Please be advised we have contacted our client who has confirmed the name and address listed on the account in addition to the amount owed." Does this constitute validation? It's clear they didn't bother to read my letter and address the issue as I had raised it. Thank you for your help.
  17. I am at impasse with a debt collector reporting on my credit report as the current owners of an alleged old second mortgage debt. A few years ago the last supposed owner of this alleged debt was unable to validate it so it came off of the credit report. This was prior to my becoming a citizen of Texas. Green Tree now pops up claiming to own the debt on my credit report and it looks like they have been reporting it since March of this year. Before educating myself with TFC 392, I requested validation through the credit bureau website thinking there was no way they could validate it because the
  18. Hello all, I had medications on May 2014 and it was supposed to be covered by workers compensation as sprained my ankle at work. I also had my personal health insurance on file. After receiving medications, i had to move out from the address (was in that address until August 2014 - not received a single bill or notification about anything). On April 24 2015, i ran a credit report check and found that there is a collection account for an $xxx amount which was initially reported in Feb 2015. So i called in the CA to get the break-up of the bill & they said the medical debt has been ass
  19. In June 2014 I received a letter from Citibank N.A. informing me that they sold the debt to PRM (DJB). Shortly after, there was a demand letter from PRM's partner company servicing the account. I did not respond. Recently, I received another demand letter from a local law debt collector retained by the above partner company (currently owning the debt vs servicing the account). The amount of the debt demanded in 2014 was matching the amount of the debt reported with the credit agencies, which was a little higher than the amount of debt owed to Citibank at the time of the first delinquen
  20. Hi All, I have been a long time copius reader, but this is my first post. I appreciate any help you are able to offer! What I'm here about: ~15K. 2013 Cap One charged off a consumer credit card account. "Charged off as bad debt, Canceled by credit grantor" same month 2013, I heard from United Collections. I DV'd them and never heard another word. Cap One continued to report the charge off through June 2014. Then, it just vanished off my report. Why? And should they have been able to report it since the sold in, and it was unvalidated by the JDB? then for 1 yr 5 months: Nothing, Nada,
  21. In January of 2013 I had a bill that needed to be paid and I thought I had taken care of it. I hadn't received any more notices after giving them full payment so I went on with my life. Now it is February of 2015 and I just received a notice in the mail from a collection agency saying that I had never paid this debt. WHAT!!! I was so infuriated when I called this company because I DID pay this debt. The lady told me that they had sent the debt to them in October of last year. I am in the process of sending them a request for debt validation and also a dispute for this debt. My question is, wha
  22. Me and my fiancee are wanting to purchase a new home next year and recently went to see a specialist to take a look at our credit scores. Mine is currently at a 588 which is absolutely terrible so I had a few questions on how this process works. I want to try to dispute everything to see how much I can get taken off and just to test the waters with the CBs. My first question is when I go to dispute, should I send letters to all three CBs at the same time? I used to live in MO now I live in TX. On my credit report I have one item in collections that looks like its an old electricity bill back
  23. I have a debt in the $1400 range. I responded to the debt collectors original communication by sending a letter for debt validation. By the way, the SOL has not passed as this debt is only about 3 years old. In response to my letter, an attorneys office responded that represents the collection agency, validating the debt. They have not threatened to sue yet, and as of this point we have not communicated any more. In response I have prepared a variation of the pay for delete letter to the collection agency and attorneys office. The version to the CA: Dear Collection Manager: This letter is in r
  24. LAW FIRM RERESENTING CACHE RESPONDS TO DV They responded with a copy of my credit report in full showing the OC reporting notated- and a copy of a statement about 1 1/2 years old. The letter states the balance- but I had originally disputed the balance on my OC and the OC sent me back a letter stating they no longer own the account. THen I get a letter from the law firm representing Cache. Dont have funds to settle and won't settle. What should I do wait to see if they go further?
  25. I sent a DV letter to Midland and I receieved a letter today stating that they will request the 3 major credit bureaus list the account as "Disputed". They also went on to state that if I believe the account information is inaccurate to please provide them with a written explanation of why I believe so along with any documentation i have supporting this explanation. They also sent a copy of the Judgement they have against me. My question is does this copy of judgement validate my debt to them? and If the account is listed as Disputed with the credit bureaus what are the next steps to get t