2 Settlement Letters from Credit Control,LLC, acting for LVNV

[maddie6]

Hi!

I had this Sears account that I'd stopped paying on in 11/2008 because of losing my job. I had owed $9000 on this account at that time. I have been busy dealing with other overdue accounts that I have had since then.

Last week on 1/7/2011, I'd received this settlement letter from this credit agency called Credit Control, LLC. They state that the current creditor on this debt is LVNV Funding, LLC. They state that the original creditor is Sears (my old account).

In this letter, they state that they will settle my debt for $541.32. They then state the notification clause of having up to 30 days to dispute the validity of the debt.

Today, 1/13/2011, I received another settlement letter from Credit Control, LLC. In this letter, they are telling me to forget about what was stated in the previous letter that I had received on 1/7/2011. Instead, in this current letter, they say they will settle my debt for $5954.47.

I don't know what they are doing, this Credit Control, LLC. I am not sure how to approach these two letters. Do I DV them, and to which one of these letters? Of course, the original letter with the smaller settlement amount is more appealing than the more recent letter. I get the impression that someone out there at Credit Control, LLC does not know what one hand or the other is doing.

Please help.

Thank you for your time in answering my question.

[nascar]

If the second letter made reference to the first, clearly, they know what they're doing. The first letter was obviously sent in error and the offer was withdrawn and substituted with the second letter.

Regardless, send your DV, especially since LVNV is involved. See if you get a response.

[Recovering Attorney]

Personally, I wouldn't pay Credit COntrol and I wouldn't pay LVNV, unless you have a very good reason to.

Making that offer of a discount without telling you a 1099 would come your way is a stated claim under the FDCPA ( see Ellis vs Cohen & Slamowitz)