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i lived in NJ at the time of the default. now i live in SC. as i have found from research, citibank regularly used LVNV for collections. now that there is a class action suit on LVNV, i guess they are now selling to other JDBs. today i received a letter from "sequium asset solutions". i surmise that they are yet another JDB--or they are somehow clueless to LVNV's state of affairs--OR, sequium is really LVNV under "another name". the collection attempt is--wait for it--for an original citibank account. between the date of SOL and now, a few other CAs have tried to collect--can't recall their names. in any case, the letter is showing LVNV as the current creditor and citibank as the original. the mentioned account defaulted in 2007, and sequium is saying that the "judgment was awarded" on 1/1/08. NJ's SOL is 6 years. the account is now over 12 years old. glad to say i am in much better financial shape---though not "too" much better--than i was at the time of the default. in any case, this is past two times the SOL expiry. and, get this--they are alleging that the original debt was for $6K plus--which it was not (guess it's the "interest and fees" and 'stuff')--and sequium is asking for every penny. never heard of this. i was expecting them to ask for $600 or less to settle. from what ihave found, a SOL debt is often sold for pennies--or even as low as one cent--on the dollar. so, sequium is looking for over $6K, but possibly spent less than $100 to buy it? wow. and, please exuse me for this, but every time i see "sequium", i think of 'NXIVM'. you know, that cult. lol. sorry... i am also thinking that this was triggered by a recent inquiry made for cosigner of an auto loan. pretty sure the last one i received was right around when i had applied to cosign a motorcycle loan. note: both were approved. how do i deal with this? i have never responded to any of the attempts, as i feared that could somehow cause a current date, effectively cancelling out the SOL. i now find that contact is not enough--a payment needs to be made in order for them to do that. am i correct in this? any input is greatly appreciated.