Codger Posted June 8, 2005 Report Share Posted June 8, 2005 Recieved a "Collection Agency Notice" saying that my Providian credit card debt has been assigned to "West Asset Management, Inc. formerly known as "National Asset Management Enterprises, Inc." for collection.After mini Miranda the notice says "For proper credit, please mail your check or money order with this letter in the enclosed envelope" The address to send the payment to is Providian Processing ServicesP. O. Box 660548, Dallas, TX 75266-0548.Is this from a collection agency or a spoof from Providian disguising itself as a collection agency. If my account has been assigned why is the payment going to Providian instead of the CA West Asset Management, Inc office in Atlanta? Who would I send the DV to in this case the CA or Providian? Thanks in advance for any comments. Link to comment Share on other sites More sharing options...
Recovering Attorney Posted June 8, 2005 Report Share Posted June 8, 2005 Maybe because WaMu is buying Providian and Providian needs to collect this receiveable directly as par tof the transaction. Or the CA is just a letter writing service designed to prompt you. Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted June 8, 2005 Report Share Posted June 8, 2005 IMHO, you should treat it as you would any other communication from a Collection Agency and send your correspondence either to the address they tell you to send correspondence if they provide one (not payment but correspondence) or if they don't provide an address for correspondence, I'd send it to the return address on the mail they sent to you.Part of the debt validation process is discovering/verifying the exact legal relationship between the CA and the OC and whether this CA is a captive of Providian or vice-versa, doesn't really make any difference in how you respond. Link to comment Share on other sites More sharing options...
codename_fortyseven Posted June 8, 2005 Report Share Posted June 8, 2005 An OC by any other name is a CA. Unless the letter says Providian, collecting for Providian, then they are a CA, period. You can't DV an OC. DV this West Asset Management folks, unless the providian address is the only one they have and that you can find. Link to comment Share on other sites More sharing options...
Hope Posted June 9, 2005 Report Share Posted June 9, 2005 DV this West Asset Management folks, unless the providian address is the only one they have and that you can find.could it be an in-house CA for Providian? (hence the address)Then you can DV them (West a$$. Man.), right? Link to comment Share on other sites More sharing options...
divemedic Posted June 9, 2005 Report Share Posted June 9, 2005 If they go by a name that would indicate a third party is involved. they are subject to the FDCPA. Link to comment Share on other sites More sharing options...
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