scoregoingup Posted March 11, 2008 Report Share Posted March 11, 2008 O.K. sorry about the lengthy post but I have a question that deserves some sort of explanation first to find out what the next step is. I recieved a dunning letter from J R Boudreau and Associates concerning a Citibank account that I am assuming is a Sears card I had in 2000. I had filed chapter 13 in 2000 which was discharged not dismissed in 2004. I sent a DV letter to J R Boudreau and Associates and recieved a reply from Resurgent Capital services aka LVNV claiming that LVNV is now the creditor on this account and the letter included what they claimed was official validation which included my name, amt due, and original creditor as citibank. I recieved this letter on February 28, 2008. By the way this account does not show on my CRA as of yet. I then recieved a second letter on March 4th, 2008 saying they were investigating my dispute?!? The next day I recieved a phone message from a computer wanting me to call and discuss which I have not. I am not sure what to do next since the original DV was sent to JR Boudreau even though Resurgent replied. I think the SOL and reporting period is up on this account however, I am not sure how the chapter 13 plays into this?!? Do I send a second DV letter to Resurgent or start the DV process all over again or do I send an SOL letter? Do I call sears(citibank) and ask when the last payment they recieved on this account was? I just don't know what to do my credit has been improving drastically and I don't want to do anything to mess with that.Thanks In Advance Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted March 11, 2008 Report Share Posted March 11, 2008 I am very lost here...You said your Bankruptcy was "discharged" and not "dismissed"...do you mean to say that you completed the Chapter 13 as the court directed?If so, then you don't owe anybody anything IF the account/bill was included in your Chapter 13 Filing.If it was not included then that's a different story.Assuming it was included and that you fully completed the Chapter 13 then you dont' need to DV; you need to tell these people where to go and that if they continue to violate Federal Bankruptcy laws you'll have their head on a platter.If the debt wasn't in the Chapter 13 and/or you didn't fully complete the Chapter 13 then you DV/respond to whoever sends you dunning letters and proceede as you would with any other debt.I also suggest that you find out if this debt, even if not taken care of through the Chapter 13, is even still within the SOL for your state. Link to comment Share on other sites More sharing options...
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