Submit 2nd request for DV or wait?

[ppodmama]

Requested DV from DC (LHR)in January of 2009. Received last 3 statements from OC as DV from DC, without any documentation buying debt or showing me they have a right in any form or fashion to collect on this debt. And infact, I recently received an email from theOC about my online membersip.

Because of a personal family crisis, I did not check our credit reports durng this time period. I did run one today.

According to the report, the debt the DC appears to be collecting for does not show as "transferred/sold" in the activity section of the OC.

The DC is showing up as an open account.

Should I resubmit a request asking for proof of ownership or wait to see if they file a claim in court against me before I contact them anymore? LHR has file claims in our state before, but I have no idea if they won judgements by default or not.

Should I send them a sworn denial that I have an open account with LHR since OC doesn't show the activity as "Transferred/Sold"?

Thank you wise sages!

[willingtocope]

DCs (we ususally refer to them as CAs...collectrion agencies) don't buy debts. Junk debt buyers (JDBs) buy debts. Chances are your debt is still owned by the OC.

Call the OC and see what you can work out.l

[retmar]

As to the email from the OC, many times your membership may continue even if debt charged off due to separate departments, or, it can take some time before they do delete your info.

I agree with "willing" in contacting the OC. But, do not call. I say to send them a letter asking what is what, and sent by CMRR. OR, use the email to ask the same questions, OR, both. CMRR can cost you up to $5.00 while email is free. By sending email, understand you may not get an answer in a few hours other than the computer generated response telling you they have received and will get back to you.

You could try and play dumb for now. Simply state that due to a family crisis, medical, whatever, your account fell behind. You are now in a position to correct this and am now offering the following to resolve this matter. Figure a reasonable repayment plan and submit it. They should respond as to the account being charged off to a third party, or, they have sold the debt.

Also, if you have any letters from this CA/JDB, look in area of the account number, amount due, etc. Useful info will be there. Also, in the first paragraph, it will usually say "was assigned" or "was purchased". Read the whole of each letter. Lastly, you can go to this CA/JDB's own website and see what it says there. Most brag of their business practices as to being legit, etc. Yes, it is pure "BS". This is a good way to see who you are dealing with, especially if you only know of them through pulling a CR.

[Massive]

Requested DV from DC (LHR)in January of 2009. Received last 3 statements from OC as DV from DC, without any documentation buying debt or showing me they have a right in any form or fashion to collect on this debt. And infact, I recently received an email from theOC about my online membersip.

Because of a personal family crisis, I did not check our credit reports durng this time period. I did run one today.

According to the report, the debt the DC appears to be collecting for does not show as "transferred/sold" in the activity section of the OC.

The DC is showing up as an open account.

Should I resubmit a request asking for proof of ownership or wait to see if they file a claim in court against me before I contact them anymore? LHR has file claims in our state before, but I have no idea if they won judgements by default or not.

Should I send them a sworn denial that I have an open account with LHR since OC doesn't show the activity as "Transferred/Sold"?

Thank you wise sages!

Just inquire through the mail about the status of the account with the original creditor. Strange things happen in debt collection though, I was sued on a Discover Card account and lost a court battle in 2004 when I was ignorant of the deceptions. I did a FDIC inquiry about the status of my account in late 2006 and Discover sent me information which obviously showed they had no knowledge of a lawsuit or judgment. If you are ever sued make them PROVE they are representing so and so and filing suit on their behalf. If I'd known the truth in 2004 I would be undefeated against these bums.