Recommended Posts

I need advise please..I am in California


I received 2 letters from First National Collection on 2 different OCs but with same creditor: LVNV Funding.


I thought I was rid of LVNV for good (silly me) when the TLs dropped off last year.


These are definitely past the SOL. These were disputed with CRs in 2013 but I did not send DV to LVNV because they dropped off. They are no longer being reported on my CR.


- Do I send First National DV letters OR C&D OR FOAD?


Another letter I received was from Convergent. Their letter indicates that because of the age of the debt they will not sure or report to CRAs.


- Do I send Convergent DV, C&D or FOAD?



Link to post
Share on other sites

If you are certain that the SOL is well past by a few months or so, then I would send them a C&D along with a copy of their letter and a note in bold that it's past SOL. Make sure you send it CMRRR and make and keep a file on everything for years. I would also look and see if you have any copies of your last payments etc. backing up your SOL claim just in case.

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.