Help with this please….ugh!

Nov 152010
 

ok-I CMRR ER Solutions. It is not in response to a dunning letter but after i noticed it was on my credit report. Could have received a dunning, dont remember, but its a old sprint account. I looked up the tracking number and this is what is says”

We attempted to deliver your item at 8:54 am on November 12, 2010 in RENTON, WA 98057 and a notice was left. You may pick up the item at the Post Office indicated on the notice, go to www.usps.com/redelivery, or call 800-ASK-USPS begin_of_the_skype_highlighting              800-ASK-USPS      end_of_the_skype_highlighting to arrange for redelivery. If this item is unclaimed after 15 days then it will be returned to the sender. Information, if available, is updated periodically throughout the day. Please check again later.

this was sent to the address listed on my credit reports. What do I do if they dont pick it up? Ive never had this happen.

Need some ADVICE plz..

Nov 122010
 

Back in September I sent a DV letter to Paragon Way and they responded(9-28-10) with a letter that they needed some time.  Well I get a letter today from a new Collection agenccy Constar Financial Services LLC representing Paragon Way INC.  Constar even pulled my credit cause I saw it on my credit montoring.  The OC was Ge Money Bank/ Cheveron Texico card that I went late in 2008.  Remember Paragon did not provide debt validation and its going on 60 days.  This is what the letter from this new collection agency Constar out of Phoenix, AZ:

 

Current creditor: Precision Recovery Analytics

Acct #:xxxx

Orginal creditor: GE Money BAnk

acct# xxxx

prinicpal:1363.42

total due: 1363.42

 

Our client Paragon Way inc has placed your acct in with this agency for collection.

Your acct is seriously past due and must be paid in full or we will proceed with appropriate collection activity. Plz remit the entire balance due to our office using the returned envelope provided.  If you have any questions or wish to discuss your acct with one of our representatives plz call us at the toll free number listed below.

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion there of this office will assume this debt is valid.  If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of the debt or any portion there of, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. If you request in writing within 30 days after receiving this notice this office will provide you the name and address of the OC, if different from the current creditor.  If payment is received in our office all collection activity will cease.

 

 

 

Thats what it says..What do you recommend?  How can Paragon have another collection agency try to collect when they didnt respond to the DV letter with proof?  Plz help and thank you in advance…

Collection Company Posted Hard Inquiry on my Credit report

Aug 182010
 

Hi Gang,

 

Just got a notification that my score went down.  Only 4 points but still.  I haven’t pulled a report yet.  But the notice states that it’s from Financial Credit Service.  This is a collections agency.  I have no collections on my report and if there is anything I’ve been rebuilding for a while and there is nothing less than 7.5 years.  Any thoughts on how I should proceed?

 

Thank you muchly.

 

A

Collection Notice lacks Creditor information – Is this challengable?

Jul 212010
 

I’ve received a collection notice that has no ‘Current Creditor’ listed anywhere in the notice.  There is a ‘Current Servicer’ given, but the two places where the form letter says ‘current creditor’ it is followed by a blank space.

 

The other thing is, I had actually settled the debt in full 3 days after the date stated in the notice as the date the ‘debt was created’.

 

Now I’m just wondering what is the quickest, least-hassle way to address this.  Should I go down the DV path or is challenging it due to the missing Creditor a better way to go?

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Can your home insurance inspector inspect your home at any time without your consent or any prior notice?

Feb 202010
 

CA and SOL for Texas

Feb 102010
 

In December 2005, my husband was put on active duty orders to attend a school in Texas. We had to rent an apartment for him there and entered into a lease. At the end of August 2006 he was told orders were being cut to send him back to our home state of CO in September. He provided the letter the unti gave him stating this would be happening and the apartment complex refused to acknowledge that notice stating that they needed “Official Orders”. When the orders were finally cut, he provided them and apparently (we’ll get to this in a minute) signed a notice to vacate.

 

He moved back home. We never heard anything further from this apartment complex. Fast Forward to January 2010….My husband gets a call on his cell phone (which the apartment complex had BTW) from a collection agency looking for rent for that apartment complex for October 2006!! WHAT???? So he says, I don’t have any knowledge of owing anyone anything and asks thm to send proof of this debt. A week or so later we receive a letter from the CA with a photocopy of the lease and the notice to vacate. Once I got a good look at the notice to vacate, it would seem that he signed a notice that committed him to paying October rent even though he did not occupy the space based on some Texas law that allows “the Lease Contract will be terminated under this military clause 30 days after the date on which your next rental payment is due”. It pains me no end that we would need to pay for  month that he didn’t occupy the space and that they likely got rent for from a new tenant.

 

We NEVER received anything from the apartment complex even though they had our Colorado address and my husband’s number and now three years later we get a call from a CA. I am assuming this was because the Texas SOL is 4 years and will be up in October of 2010 (if I understand corectly).

 

My questions are?

1. Because they sent copies of the signed documents, does the SOL clock start all over again? 

2. If not, should we just wait it out?

3. Is there any recourse against the apartment complex for not attempting to collect this debt timely before dinging our credit?

 

Thanks in advance.