Nurse2Be Posted December 31, 2008 Report Share Posted December 31, 2008 I just checked my credit report and for my Discover card, it says it has been charged off/written off. The dollar amount owed is still listed.I called Discover today and was told that I'd have to call the attorney to discuss my account. I asked if it had been sold, and the rep said the account "was no longer with Discover". Can I take that to mean that the CA (Mann Bracken) bought the debt? I just want to know who owns the debt now so I can figure out how to proceed. Here's what I've received so far:1) Dunning letter from Mann Bracken, which stated that they have not verified the debt;(I immediately responded with a DV sent via certified mail. No response. Called Mann Bracken and was told that I am "entitled to the information I requested" and was told someone would follow up. Never happened.)2) Summons w/"affidavit" from an unidentified person and a copy of a Discover card agreement (not signed by me).That's it. So, how do I know who owns the debt? There isn't anything on my credit report from the CA, but that could be because I told them NOT to report it in my DV letter. I'm waiting for a call back from an attorney and have emailed two others. Just waiting for a response...I really want to hire someone to help me with this.Thanks! Link to comment Share on other sites More sharing options...
nascar Posted December 31, 2008 Report Share Posted December 31, 2008 You said you received a summons. Who is listed as the plaintiff? Link to comment Share on other sites More sharing options...
Nurse2Be Posted December 31, 2008 Author Report Share Posted December 31, 2008 You said you received a summons. Who is listed as the plaintiff?Discover. I've heard of this happening, though...where the summons says the name of the OC but the CA owns the debt. Is that true? Also...if MB is just the CA, aren't they still bound by the laws that apply to collectors?Oh, and I emailed that attorney you provided a link for in my other thread. Thanks! Link to comment Share on other sites More sharing options...
willingtocope Posted December 31, 2008 Report Share Posted December 31, 2008 IF...big IF...discover is reporting accurately, then IF they had sold the account, your credit reports would say "sold to another lender" and the balance would be $0. The terms "charge off / written off" by themselves really mean nothing to us consumers. It only means they've taken a charge against income for tax purposes. Link to comment Share on other sites More sharing options...
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