btylou Posted July 22, 2019 Report Share Posted July 22, 2019 Everything I have read basically says if a debt collector says you owe. Then you owe it. Any suggestions how to beat a credit card debt that isn't yours. Quote Link to comment Share on other sites More sharing options...
nobk4me Posted July 22, 2019 Report Share Posted July 22, 2019 If the debt isn't yours, that's your defense. This is a case of identity theft? Have you filed a police report? Quote Link to comment Share on other sites More sharing options...
fisthardcheese Posted July 23, 2019 Report Share Posted July 23, 2019 13 hours ago, btylou said: Everything I have read basically says if a debt collector says you owe. Then you owe it. Any suggestions how to beat a credit card debt that isn't yours. Beat it how? Are they suing you? Quote Link to comment Share on other sites More sharing options...
btylou Posted July 23, 2019 Author Report Share Posted July 23, 2019 LVNV has served me with a summons stating I owe a $1204.00 CC. I do not remember this card. I answered the summons through the court. I said prove its mine. They sent me a copy of a CC statement. with my name and address. I sent back a request for more information. Any suggestions on what my next move should be. Thank you, Quote Link to comment Share on other sites More sharing options...
BV80 Posted July 23, 2019 Report Share Posted July 23, 2019 26 minutes ago, btylou said: LVNV has served me with a summons stating I owe a $1204.00 CC. I do not remember this card. I answered the summons through the court. I said prove its mine. They sent me a copy of a CC statement. with my name and address. I sent back a request for more information. Any suggestions on what my next move should be. Thank you, Did you recognize the original creditor? Did the statement show any charges or payments? Quote Link to comment Share on other sites More sharing options...
Amerikaner83 Posted July 23, 2019 Report Share Posted July 23, 2019 Also, did the dates of the charges (statement) match up with your name/address at the time you lived there? Could someone else have taken out an account in your name? "I do not remember this card" is not going to fly in Court. At this point, your "next move" should always be do what the Court says. How was your "request for more information" sent to LVNV? Did you file a copy with the Court? Quote Link to comment Share on other sites More sharing options...
LaneBlane Posted July 24, 2019 Report Share Posted July 24, 2019 6 hours ago, btylou said: LVNV has served me with a summons stating I owe a $1204.00 CC. I do not remember this card. I answered the summons through the court. I said prove its mine. They sent me a copy of a CC statement. with my name and address. I sent back a request for more information. Any suggestions on what my next move should be. I would refer to my bank records from the date of the statement and in the months prior to see if I made payments to the original creditor. If you did, you'll know the account likely belongs to you. Do you know the last date they claim a payment was made on the account? Quote Link to comment Share on other sites More sharing options...
fisthardcheese Posted July 24, 2019 Report Share Posted July 24, 2019 Who is the OC? Is it Credit One? Quote Link to comment Share on other sites More sharing options...
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