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Agrant

Sent Debt Validation back in November 2012, Received letter 2/2013

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We received a letter of saying we owe money from a debt collector, So we sent off a debt validation letter back in Nov 2012 and we just received al letter which is dated February, 28 2013 . It says:

 

Dicover Card Account ending in: XXXX

Balance: XXXX

 

Dr Mr so and so,

 

We completed the investigation of the above refenced account. We found the account and balance to be valid.

 

Due to the age of the account documentsare no longer available. As a courtesy we have deleted the Discover trade-line from your credit file. The removal of the trade-line from the credit file does not remove your obligation to repay the amount owing.

 

Please contact us at 1-888-201-497X, to make arrangements on the outstanding balance.

 

Sincerely

 

C Bayes

Sr Dispute Investigator

Discover Card

 

the Debt is way past SOL, last payment was August 2004 , The first letter was sent from a different collection agencie this last letter we recieved looks like it came from Discover Card itself, My questions are Whats next another VL? Should we get a lawyer, not sure what step to take next. Never did get a response from the first company. Help!!

 

 

 

 

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The CA appears to have returned the account back to Discover.  The CA does not have to validate as long as they don't attempt to collect again.  

 

Are any CAs reporting that account on your CR?  If so, dispute them.  Based on the fact that the account is obviously past the 7 year reporting period, they would be deleted.

 

Since Discover is deleting their entry, and you haven't heard back from the CA, there's nothing to do right now.   And there's definitely nothing to worry about.

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Just make sure that your not tricked into paying a dime to wards that account or you could reset the SOL. At that time you could be sued. Send them a C&D letter and be done with them. Just stay alert in-case they or some other JDB tries to get sewer service on you to get a default judgment. Every time you hear from a new JDB you will need to send a DV letter within the thirty days of you getting it.

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They shouldn't be able to report at all on a debt that old.  How nice of them to delete the illegal entry.  

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So they can't validate, can't report, can't collect being SOL but they still ask you to pay.

HAHAHAHAHAHAHAHAHAHAHA

 

Sad part is how often that works on someone that doesn't know their rights.

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