btylou

LNVN Debt Collector

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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. 

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If the debt isn't yours, that's your defense.  This is a case of identity theft?   Have you filed a police report?

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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?

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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, 

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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?

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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?

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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?

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