jcamden Posted March 8, 2012 Report Share Posted March 8, 2012 Hi there!I am in the process of getting my debts paid down, well at least attempting to.I contacted an agency where i have several debts, i sent them a letter requesting all correspondence to be through mail, not over the phone. I asked them to send me each account in my name with the amount owed.They sent me a letter, which contained only 1 account number, but several debts under that account. Can they legally do that? Here is what i have (im not going to lie):Account Number: 280376Balance : $8325.29Creditor Principal interest Allcosts Amt owedCellular one 1996.33 2459.52 0.00 4455.85District court 250.00 384.38 83.25 717.63District Court 303.00 532.53 100.90 936.43Serenity Point 779.75 545.37 0.00 1325.12Court Cost 0.00 325.67 564.59 890.26Again-- they have all this under just 1 account instead of individual accounts for each Creditor. I have pulled my credit report, Cellular One does not even show, which leads me to believe that that account is out of the Statute of Limitations and by law i am not legally required to pay that.What can i do? What kind of letter should i send and what facts should i state?Thanks Ahead of time for any assistance. Link to comment Share on other sites More sharing options...
1stStep Posted March 8, 2012 Report Share Posted March 8, 2012 In my opinion that's a gray area - and I've noticed that there are a few CAs that are doing that now - to save $$ on postage of all things.Send a DV letter that states I dispute each and every one of the debts listed and demand that your firm validate each and every one of them. Link to comment Share on other sites More sharing options...
jcamden Posted March 8, 2012 Author Report Share Posted March 8, 2012 i am in the process of sending such a letter, however, if i wanted to pay on the Courts and just the courts, i feel they should have their own account number Link to comment Share on other sites More sharing options...
1stStep Posted March 8, 2012 Report Share Posted March 8, 2012 I agree. I'd call the court and work something out with them directly... let me guess - Alliance One? Link to comment Share on other sites More sharing options...
jcamden Posted March 8, 2012 Author Report Share Posted March 8, 2012 haha.. no, its actually some old fines that i never paid because i was young and dumb and immature. I know about Alliance One through.. it never got sent to them, Its actually the Walla Walla Credit Bureau Link to comment Share on other sites More sharing options...
1stStep Posted March 8, 2012 Report Share Posted March 8, 2012 Yeah- I'd work something out with the court... Link to comment Share on other sites More sharing options...
Guest usctrojanalum Posted March 8, 2012 Report Share Posted March 8, 2012 They sent me a letter, which contained only 1 account number, but several debts under that account. Can they legally do that? Yes. Link to comment Share on other sites More sharing options...
jcamden Posted March 8, 2012 Author Report Share Posted March 8, 2012 im not worried about the courts, i know what i owe to them. i just want to know why they added the other two to the account. Link to comment Share on other sites More sharing options...
RockDaddy Posted March 10, 2012 Report Share Posted March 10, 2012 (edited) Hi there!I am in the process of getting my debts paid down, well at least attempting to.I contacted an agency where i have several debts, i sent them a letter requesting all correspondence to be through mail, not over the phone. I asked them to send me each account in my name with the amount owed.They sent me a letter, which contained only 1 account number, but several debts under that account. Can they legally do that? Here is what i have (im not going to lie):Account Number: 280376Balance : $8325.29Creditor Principal interest Allcosts Amt owedCellular one 1996.33 2459.52 0.00 4455.85District court 250.00 384.38 83.25 717.63District Court 303.00 532.53 100.90 936.43Serenity Point 779.75 545.37 0.00 1325.12Court Cost 0.00 325.67 564.59 890.26Again-- they have all this under just 1 account instead of individual accounts for each Creditor. I have pulled my credit report, Cellular One does not even show, which leads me to believe that that account is out of the Statute of Limitations and by law i am not legally required to pay that.What can i do? What kind of letter should i send and what facts should i state?Thanks Ahead of time for any assistance.Did you send any sort of DV to the CA? Curious as to how you worded it...Thing is, what if you wanted to dispute your Cellular One debts, yet pay your Court stuff? With it all bundled like this, you can't actually do this.There is a similar thread to this, during the last week or so... some good commentary in it... Edited March 10, 2012 by RockDaddy Link to comment Share on other sites More sharing options...
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