Jump to content

Where do I go from here?

Recommended Posts

I received a notice from a CA today - it was not to my correct address - it went to my name at my EX's address - then was sent on to me by them putting my current address on it - the CA has "Address Service Requested" on it - but they were not informed in this mailing process.

This letter is demand for a payment on an old credit card debt - live in a community property state - divorced 6 years - it was "his" debt - he died earlier this year with NO money.

This debt is so old that it is not appearing on my credit report now.

Do I respond? Ask for debt validation?

I got stuck for $7000 of the Ex's debt earlier this year and will not take this stuff anymore!

Suggestions wanted - and thanks for them.

Link to comment
Share on other sites

<blockquote>Originally posted by Achinjrt

Monte - thanks for the quick response - since the debt is no longer showing on my credit report - it went off about 4 months ago when I questioned it with the credit bureau - do I have a pretty good leg to stand on?


The debt showing up on your credit report and your obligation to pay are two completely different things.

Congrats on getting it off your report..now you need to get it off your back.

I'd definitely do a DV letter to begin with. You need to make sure that it's a legtimate debt, and that you're obligated to pay it. Then, you can work on settling it.

Link to comment
Share on other sites

From my original post - the collection agency does not have my address on the letter - I am afraid to contact anyone because in my eyes I have not seen this document - they have NO proof that I received it. True or False?

On my credit report - I know that they mix up the account numbers - but they have absolutely no match to the account number that the CA is quoting.

I am feeling that if I do a debt validation letter that I am sticking my neck out. The CA is Portfolio recovery. Has anyone dealt with them?

I am off for a four day vacation and hope that I can enjoy myself and not worry about this! Thanks to all!

Link to comment
Share on other sites

This topic is now closed to further replies.

  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.