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Found 16 results

  1. The pre-trial meeting for a debt collection is coming up shortly and the attorney for Cavalry SPV has provided the discovery, which includes the following: As per the suit, the Citibank account was opened in 2006 1.) EXHIBIT A: A typewritten cover page (no letterhead) with only the last four digits of the credit card account, dated 5/8/2016 and an address that I have never used for any financial account (This address also does not match the statements they provided). 2.) Exhibit B: They provided a generic credit card agreement, which is dated July 2013. Note: The account w
  2. Hi I am being sued by Midland through an attorney in Georgia. I never received an initial letter. I was served March 1, 2018 and was totally surprised because I never received anything stating that I owed Midland. I called the court and they stated that they filed but hadn't submitted the server confirmation yet. I have until the end of March to reply. I did have an account with the bank but it was written off. 3 different DC owned the alleged account before Midland. They sent me the attached bill of sales with certificate of conformity and 3 copies of old credit card statements without my nam
  3. jpavv

    Wrong name

    Received a collection letter from collection agency. It is for medical. It is addressed to my ex's husband first name, my first name, my last name. It says Your account with Dr.xxx has been forwarded to us for collection. so, not sure if they purchased the debt. Should I send it back saying no such person lives here? Thanks
  4. I received a bill from Portfolio Recovery Associates in the amount of $300.00. I have read a lot of threads on here, but there are many different ways in which people are sending these junk debt collectors debt validation letters. Can someone please tell me, should I make it a simple letter- just ask for verification, or should I go in depth with all the Federal laws, 15 U.S Code 1692g, etc... I am also being sued by them for collection of another credit card bill. I am trying to address this 2nd bill before they follow with a law suit. I am also a disabled veteran, and my sole sou
  5. I had a charge on my credit report that I asked to have validated by the collection agency. I sent it to them with request to do so, and they have failed to deliver the validation by mail. I sent it by priority mail. No response back and the account is still showing on my ccreport. What legal actions can I take so that the credit bureaus take it off. I dont know how to approach this now. Its affecting my credit score. Thank you
  6. I had a charge on my credit report that I asked to have validated by the collection agency. I sent it to them with request to do so, and they have failed to deliver the validation by mail. I sent it by priority mail. No response back and the account is still showing on my ccreport. What legal actions can I take so that the credit bureaus take it off. I dont know how to approach this now. Its affecting my credit score. Thank you
  7. Hello I have been sending validation letters out and they have been coming back with an original statement from the creditor however the address is wrong ive never lived at those addresses and and these accounts defiantly are not mine i don't know what the next step is in proving these accounts are not mine any help would appreciated could i ask for more information in proving its mine? or do i pretty much have to bite the dust
  8. Attached is my rough draft of a DV letter that references the TEXAS FINANCE CODE, I've pieced it together from this and other forums examples, trying to cover all my bases so I don't end up screwing my chances of getting this collection removed. I would appreciate any advice to improve it that anyone can offer. collection.docx
  9. I'm trying to clean up my credit, I have 4 open collections. All together they add up to only around $2100 and I had planned on just paying them off over the next 6 months in full. but recently my score via credit karma took an unexpected plunge by -75 points it says it was do to the 2 oldest of the collections changing the "last reported" or "date updated" date to 28 august 2015. Both these collections are currently owned by Transworld systems. In a panic I began searching the web for answers on whether this was legal and what I could do to possible fix my credit in a hurry. In the process I
  10. Today I received requests from several companies on my CR requesting I validate accounts. Midland, Asset and PRA all 3 sent requests for Full Name, Full CC Number, Address (Current and past 10 years), approximate account opening dates, account balances, Last payment and date, and my employer name. NONE of them have judgments against me. GECRB did the same for two CCs that they claim I have/had. CAP1 did the same for 4 accounts they claim I had with them. NONE of these letters gave me any idea what they are talking about...no reference numbers or anything. I did recently do requests f
  11. In March of 2013 I had received a letter from Midland MCM for an alleged debt. I in turn sent a certified debt validation letter to said company. A few days later I got a letter back from MCM stating that based on the information they would remove all MCM activity from all three major credit reporting agencies. Also they Never provided any debt validation. I looked at my report and they looked at my report in December of 2013 for "collection" reasons. I am wondering how they can still do that after the letter they sent me and also not giving me debt validation as well per the 30 days on my let
  12. First off thanks for reading my post. Like many of us have experienced 2008 was a HORRIBLE year. Lost my decent paying job down to nothing for a while then making half of what I was before. Did what many people did and that was max out my credit cards, tried to keep up with the minimums for a little while then couldnt afford that. Went into collections and then I stuck my head in the sand, I pulled my head out once with debt consolidation for a few months in 2009 and couldn't afford that either. I have had my head in the sand ever since because none of the collection agencies were willing to a
  13. I have 5 Collection Agencies on my credit report. Should I just send out a dept validation letter to each one to get things rolling?
  14. I have a question that may have been addressed previously...but...her it goes. I've been dealing with 3 different creditors: BOA, Discover, and Elan for about 3 years now. BOA has sent me to 2 collection agencies. The 1st agency returned it back to BOA. The 2nd agency sued me and then dismissed when confronted with a forged affidavit and not providing materials requested by the court. The debt is now back with BOA. Discover sent me to 2 collection agencies. The 1st agency sued me and dismissed before trial. They sent the debt back to Discover. A 2nd agency sent me the warmed over legal thr
  15. Or is it okay to ask for validation after the 30 day period stated in the letter?
  16. Hello~ This is a follow up to my posting(s) back on November 20, 2012. I sent a vlaidation letter to CACH, who are the ones that have reported the negative trade line on my Experian CR. After reading their respone I do not think that this meets proper validation. What CACH has done is contact Experian and report that the account is now 'Disputed by Consumer'. I find that their letter leaves some questions though. 1) If they do not engage in collection activity (direcetly or indirectly) then why are they reporting to the Credit Bureaus? 2) Is what they sent me proper validation? 3) Have