communication » Mortgage and Insurance

Can they report on spouse’s CR?

Mar 142011

I have been lurking and learning since the beginning of this year.Â Â Thank you all so much!!Â This information has been life changing.

My husband and I are hoping to raise our scores so we can buy our first home and get a decent interest rate.Â I sent out PFD’s to every creditor on our reports February 20th-however last week I got antsy as I have not gotten any replies.Â I started researching email contacts for the creditors and sent out PFD letters to them as well.Â This was last Friday-on Saturday I got a snail mail letter from one of my husband’s creditors-Stellar Recovery, an old comcast bill.Â It was reported since June 2010 and last reported 11/2010.

Dear Mr.” “

“Please be advised that our client has indicated that this account has a current outstanding balance of $243.67.Â Stellar Recovery Inc, will notify the credit bureau(s) to delete reporting once good funds for the above amount are received.”

UNLESS YOU, THE CONSUMER WITHIN THIRTY DAYS AFTER RECEIPT OF THIS NOTICE DISPUTE THE VALIDITY OF THE DEBT, OR ANY PORTION THEREOF, THIS OFFICE WILL ASSUME THIS DEBT IS VALID.

IF YOU, THE CONSUMER, NOTIFY US IN WRITING WITHIN A THIRTY-DAY PERIOD THAT TH DEBT OR ANY PORTION THEREOF IS DISPUTD, WE WILL OBTAIN VERIFICATION OF TH DEBT OR COPY OF A JUDGEMENT AGAINST YOU, TH CONSUMER, AND A COPY OF SUCH VERIFICATION OR JUDGEMENTS WILL BE MAILED TO YOU BY THIS OFFICE.

UPON YOUR WRITTN REQUEST, WITHIN THE THIRTY-DAY PERIOD, WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM THE CURRENT CREDITOR.

If you should have any other questions, please contact us “phone number” name gm

This communication is from a debt collector and is an attempt to collect a debt.Â Any information obtained will be used for that purpose.Â This collection agency is licensed by the Collection Service Board , “address.”

However to my shock and horror I received an alert that a NEW collection has been reported onÂ MY EQ today.Â Sure enough it was Stellar Recovery for the same amount owed by my husband.Â The only thing I can think of is that my email address is registered in my name.Â However, I signed the email with my husband’s contact information.Â Can they assign this debt to me as well?Â The comcast account was only in his name.

I was going to pay Stellar today however now I am not sure what to do.Â The letter I have only addresses my husband regarding deletion of any credit reporting.Â I am afraid if I pay that the collection will remain on my report.Â I have no idea what to do-I was so pumped to start paying these off too!Â

Thanks so much for any help in advance!Â We really appreciate it!

March 14, 2011
Posted by admin at 8:58 pm
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Rebuilding Credit
client, collection, comcast-account, communication, creditors, day, debt, other-questions, questions, sent-out-pfd, service-board, stellar, stellar-recovery

Heard back from Portfolio regarding PFD

Mar 132011

What does this mean? Will it be deleted from my credit report or did someone else buy it? I sent 10-15 PFD letters but they never accepted.. now this….

This account was closed on 01/28/2011 and the 3 credit agencies were notified to remove this account from your credit file.Â A copy of this request was mailed to the address we had on file at that time. Â I will forward copies today to the wood DrÂ address.

M*** D*** (( I edited his name ))Â

Assistant Vice President

Portfolio Recovery Associates

This communication is from a debt collector

March 13, 2011
Posted by admin at 12:58 pm
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Rebuilding Credit
account, address, assistant-vice, communication, copies-today, credit-agencies, credit-report, debt-collector, request, will-forward, your-credit

Urgent Help. Received Letter from Lustig, Glaser, Wilson PC (Attorney)

Dec 082010

I recieved a letter from Lustig Glaser Wilson on behalf of FIA Card services telling me that they were going to file a small claims action against me in boston municipal court and that they have asked the court to iisue a small claims hearing notice.Â

Then they said that if i prefered to resolve my balance amicably and avoid the court appearance, i should fill out a financial statment (income, bank acc info, expenses, etc.) and return it to them with a suggestion for settlement or monthly plan.Â

The end of letter says that the communication is from a debt collector. However, I downloaded an excel file from Massachussetts’ Attorney General’s website of licensed debt collectors and they are not on the list.Â

What should I do? Send a DV and settle ? I understand there needs to be a paper trail for my own sake but should I call them ASAP?Â THe problem is I’m leaving the country next week for a period of 3 weeks and I don’t want anything awry happening while I’m gone.Â

Any help is greatly appreciated. THanks a lot.

December 8, 2010
Posted by jedwan at 3:18 am
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Rebuilding Credit
asked-the-court, Attorney, avoid-the-court, awry-happening, balance, communication, country, Court, licensed-debt, lustig-glaser, massachussetts, small-claims

What is West Asset Doing?

Oct 192010

I received a letter from out of nowhere from West Asset for a medical bill from a hospital advisng me of a payment arrangement.Â First I had never contacted them to make a payment arrangement.Â Then I started to receive phone calls, how they got my number idk.Â Well after advice from here I sent them a DV letter.Â Let me also say that they is not on any credit report of mines, so it isn’t reporting.Â I received this letter in the mail yday from them saying the debt is valid.Â I’m looking at the date & in my opinion the SOL have expired on this debt, but I may be wrong. Can anyone advise me what to do here?Â Since it isn’t on my report I’m not that worried but I’m tired of the phone calls.

October 8, 2010

West Asset Management PO Box 790113

St. Louis, MO 63 179-0] 13

171726

My name

My address

>>>>> Please Call Toll Free 1-877-411-7197 Â«Â«<

RE: Client :	Hospital Name
Account/I:	Hospital Acct Number
Service Date:	09/01/03
Balance :	$336.18

CREDIT DISPUTE INVESTIGATION

Dear My name.

We have received your letter disputing the accuracy of our records related to the above referenced account. We have completed the investigation of your account and determined the debt to be valid. See the attached documentation provided by our client validating the debt. Please be advised that we have updated our records to reflect your dispute.

Sincerely,

Man’s name

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. For quality assurance purposes, inbound and outbound calls may be monitored or recorded.

Our office hours are Monday â€” Thursday 8:00 AM-9:00 PM, Friday 8:00 AM â€” 5:00 PM, and Saturday 8:00 AM â€” 12:00 PM. All times are Central Standard Time.

2703 N. Highway 75, Sherman, TX 75090

Worm445.dot

October 19, 2010
Posted by admin at 1:23 pm
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Rebuilding Credit
client, communication, debt, hospital-name, investigation, letter, number, opinion, opinion-the-sol, phone, records, saying-the-debt, service-date

minnesota office of higher education

Sep 212010

does anyone know iF the minnesota office of higher education services their loans to students or is this farmed out? I have letters from Firstmark Services regarding loans to my grandson Justin. “this communication is for the purpose of collecting the identified loans”

.Is this a collection agency or what? ANYONE KNOW?

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September 21, 2010
Posted by admin at 9:18 am
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Student Loans
communication, education, farmed, firstmark, firstmark-services, grandson, identified, loans, minnesota, regarding-loans, the-minnesota

Can a CA be considered an OC?

Jul 282010

I sent a DV letter to EOS-CCA on July 20th. They are listed on my CR as collecting for an old (2003)Â Sprint PCS account. Funny thing is, my DH has a totally different CA on hisÂ CR reporting the sameÂ Sprint PCS accountÂ (scheduled to come off his CR Sep2010). I dug up some old CRs and found a “David Taylor and Associa” (address in MA) listed on my Aug2007 CR supposedly collecting forÂ Sprint PCS.Â That particularÂ TL stated “this account is scheduled to continue on record until Apr 2010.” CCAs TL states it won’t come off until Jun2011. Okay, so I know that only one company can own a debt at any given time. What I find strange is the letter I received today in response to my DV. Here’s how it reads:

Â

CCAÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â OFFICE HOURS

700 LONGWATER DRIVE, 2ND FLOORÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â MONDAY – FRIDAY 8AM – 5PM EST

NORWELL, MAÂ 02061Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â PHONE:Â (800) 455-8026Â (781) 681-4

Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â FAX:Â Â Â Â Â Â Â Â Â (781) 681-4340

07/23/10

MY NAME

MY ADDRESS

This letter serves as your requested verification of your outstanding debt with US ASSET MANAGEMENT INC:

Identification Verification

Original Creditor:Â SPRINT PCS

Creditor Account #:Â XXXXXXXXXX

Name:Â My Name

Â Â Â Â Â Â Â Â Â Â Â Â Â Â Current Address

Balance Verification

Principal:Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â $ 335.52

Interest:Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â $ 186.80

Fees/Coll CostsÂ Â Â Â Â Â Â Â Â $ 60.40

Account Balance:Â Â Â Â Â Â Â $ 582.72

The above information has been verified as correct by

US ASSET MANAGEMENTÂ INC.

Yours truly,

RECOVERY SERVICES REP

Processing Services Representative

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

My gut instinct saysÂ that this is NOT a properÂ validation/verification.Â I mean, I asked them to send me the original creditors name and address as well as a copy of the debt or judgementÂ for whichÂ they are collecting. You know, the standard DV letter, citing FDCPA 809, etc. I don’t even know who the heck US Asset Management is. Have never heard from them EVER. Where do I go from here? Do I send them another letter telling them essentially that they are idiots and need to read the FDCPA?Â I have a feeling the CRAs aren’t going to be any help at all. This is probably the same crap that the CRAs acceptÂ asÂ ”verification” when someone tries to dispute directlyÂ with them. I’m so frustrated right now.

Â Any and all advice will be greatly appreciated.

July 28, 2010
Posted by jedwan at 11:33 pm
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Rebuilding Credit
account, aug2007, communication, cras, creditor, current-address, david-taylor, fax, jun2011-okay, letter, outstanding, phone, states-it-won, verification

DV reply from LVNV Funding…what next?

Apr 232010

Hello everyone! I recently sent a DV to a CA (LVNV Funding) on an old account of my husbands. Today we got a response from Resurgent Capital Services that says “enclosed please find an original validation of debt that verifies the debt”. Then they enclosed a page that says “Validation of Debt”….”As of the date of this communication, you owe $2,061.30 on Account number XXXX which is now owned by LVNV Funding LLC. Should you desire to pay off the account in full, you should contact us at blah blah blah”.

Does seem like proper verification to me because they don’t even say anything about the OC which is the whole point!? Am I correct or is this enough to satisfy the point of sending a DV?

What should I do next? Oh and we are in Texas!

Thanks everyone!! :smileywink:

April 23, 2010
Posted by jedwan at 7:54 pm
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Rebuilding Credit
account, communication, enclosed-please, Funding, husbands, lvnv, old-account, point, recently-sent, resurgent, texas, the-account

Response letter from the lawyer – how to proceed?

Apr 202010

I have 2 entries on my CRs from one particular CA for this OC.Â I also have a judgment (still on 2 of my CRs, has been deleted from the 3rd) for this OC.Â When I contacted the court about whom to pay, they directed me to the attorney for the OC.Â I wrote them a letter asking for a current accounting of the debt, and mentioned my concerns about the judgment and the CA to gauge their disposition.Â Debt listed for judgment on my CR: $1112.Â CA entries: $830, reporting til June 2010 and $99 of $99 of $920 reporting til Jan 2013.Â Â I am prepared to PIF, but I vaguely worded as “settle this matter” in my letter to the OC’s lawyer.Â Â Here is his response:

Thank you for your letter (undated) that I recently received.Â (CA) in fact had two against you from (OC).Â The first was account #******* and is no longer an enforceable indebtedness and should be coming off your credit profile soon.Â The other was account #***** and is the same claim for which I obtained a judgment against you on May 25, 2007.Â It has a balance due as of today of $133.52.Â If you will send me a bank money order or a cashiers check for that amount, I will file a Satisfaction of Judgment with the Court and will mail you a copy as well.Â You can then send your copy to one of the major credit reporting companies.Â Attached is the accounting.

This communication is from a debt collector.

The attached accounting lists a balance of 76.66, interest of 56.86, total 133.52.

I’m surprised that he pointed out that the one part was past SoL.Â I’m honestly more concerned about the CA’s more recent entry than I am about the judgment itself, and I’d actually prefer to get (I have to look it up – 06 told me what I needed to request instead, but basically notarized letters that I can produce if I need to re: this judgment).Â My instinct is to send him back a note requesting the specific notarized letters instead, and offering to PIF the balance quoted plus 10% of the other as a PfD for both entries.Â I’m also thinking that maybe I should just ask for the specific notarized letters instead of the Satisfaction of Judgment filing and pay the balance requested, then contact the CA for a PFD for both entries with a 10% offer on the older one.Â

Thoughts?

April 20, 2010
Posted by admin at 8:59 am
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Rebuilding Credit
accounting, actually-prefer, Attorney, balance, communication, Court, disposition, judgment, judgment-itself, letter, note-requesting, request-instead, satisfaction, specific

LVNVs response to DV letter…what now?

Mar 222010

Sent a DV to LVNV. Got a response back from them today. The only thing they sent me was a typed letter with my last name spelled wrong stating the following.

Validation of Debt, March 17, 2010. (my name with last spelled wrong)

As of the dete of this communication, you owe 370.00 on account number xxxxx which is now owned by lvnv. Should you desire to pay off the account in full, you should contact us at xxxx to determine the payoff balance as intrerest, payments , credits, fees, and/or other permissible charges can continue to cause your account balance to vary from day to day.

SO, my name is wrong by one letter. The account number they are showing is not the one that is on my reports AND they are showing previous creditor as sprint communications when they are reporting Sams Club.

NO other lvnv accounts show up on my reports.

Not only that, but I didn’t receive anything That actually validates the account other than the statement above, which I can type and send to someone saying they owe me money. There was no proof of account information.

What do I do to follow this letter? Thanks in advance.

March 22, 2010
Posted by admin at 7:43 pm
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Rebuilding Credit
account, account-balance, account-number, accounts-show, communication, lvnv, payoff-balance, permissible, reports, someone-saying, spelled-wrong, statement, the-account, the-statement

Help with My 1st DV – Incomplete response from CA

Mar 052010

Â Not sure what to do or if I’m even required to respond.Â Sent a DV letter CMM 2/20 to LVNV asking for the following:

I am requesting validation under FDCPA 809. I would like a copy of the verification of the debt you are collecting Also, I would like the original creditors full name and address, and amount of debt.

They received the letter 2/23.Â 2/26 received 2 pg letter stating the following.Â

On the 1st page it says:

Previous Creditor: Citibank

CurrentÂ Creditor: LVNV Funding

Accts Number: XXXXX provided

Balance: 581.85

Page 2:

Validation of Debt

As of the date of this communication you owe $581.85 on acct XXX which is now owned by LVNV.Â Shoud you desire to pay…blah blah blah.

This isn’t a proper DV since they didn’t provide the original amount or OC’s address.Â What should I do? I realize the clock for them to respond doesn’t start over.Â I’m thinking I wait out the remaining time then send them a letter demanding delete due to improper DV under the FDCPA 809.Â Is that right?

March 5, 2010
Posted by jedwan at 2:19 am
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Rebuilding Credit
accts-number, communication, creditors-full, fdcpa, letter-stating, lvnv, remaining, respond-doesn, the-following, the-original, verification

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