Forums
Hello again, another question
I have one last debt that has been sold twice from the OC to a CA to a CA I have disputed this with Experian online twice; the results say it stands and should but should be removed in May. Should I try a Debt Validation letter to the latest CA?
The account was from 2000 and the OC does not show up on my credit report at all..
could this be a case of illegally re-aging the account?
Again thank you all for the help.
Who is the account with...? I might be able to answer that for you...
Thanks for your help.
IT is with Palisades Collection LLC, before that asset acceptance LLC and before that Washington Mutual (OC)
I think maybe First Resolution had there hands on it but it shows current closed on my report.
As well I sent the CA Palisades a Debt settlement letter for less than the amount asked by them, but no reply yet it has been almost a month now. and it was delivery confirmation.
credit
Hey, DOC.....even if you 'Dispute' something on line, is it a good idea to send something to the CB's, as well? Would that give you a 'better' chance of getting the item removed?
The negative listing stay in your credit report for seven years and six months from the date you have made the last payment towards the debt. Now, if your last payment towards the debt has already crossed seven years and six months, then it should be removed by now. I don't think that you need to ask for debt validation because the SOL on the debt must be over by now and you need not pay off the outstanding debt.
A collection agency can sell the debt to another collection agency and it does not mean that your account is re-aged. Normally when a CA fails to validate a debt, it loses its right to collect the debt and sell off the debt to another CA who tries to collect it. Now, until and unless the CA validates the debt he cannot legally start collecting the debt. Original creditor listing may or may not show in your credit report. If the OC sold off the debt before listing it on your credit report, then only the CA listing will show in your report.
I will send a DV to both the CA listed on my report for the same item, should they not be able to validate this, that is when I send the letter to the Credit bureau?
My credit report dispute said it will come off in may or june this year. But I don't no how they have verified it.
I think I messed up though...
I sent the pay for delete before I sent the Debt validation, would it be right to send a DV now or wait till I hear from them?
credit
JUSTIN...should I sent a DV letter to the most recent CA's, on my CR ( reguardless of what the debt is)? I know a few debts, I have on there, the SOL already expired.
Hi sorie
Pay for deletion agreement is normally send after you send a debt validation letter and the creditor has properly validated your debt. We come to a pay for deletion agreement only when we are sure that we actually owe the debt to the creditor. But since you have already send both the pay for deletion agreement letter and the debt validation letter to the creditor, you should wait till the time the creditor validates the debt. The creditor must validate the debt within 30 days from the date of receipt of your letter else the creditor loses his right to collect the debt as per the Fair Debt Collection Practices Act.
As per the FDCPA, until and unless the creditor or the collection agency properly validates the debt, you need not make any payment towards the debt. Even if the creditor validates the debt but the Statute of Limitation on the debt has expired, you should not make even a small payment because if you make a payment after the SOL has expired, then the SOL rewinds and the creditor can sue you to recover the entire debt.
credit
I'm doing a few of those 'not paying it anymore' things, because a few debts, on my CR...the SOL has expired. I certainly don't want to Re-age the debt. So.....( see if I have this right..) if the SOL did expire, but the 7 years and 6 months isn't up yet, the CA CAN NOT 'come after' you? Hope my question is clear.
I guess I went and twisted this one all up then. If they can prove that it is mine with a DV letter, then I send the PFD, but that is it right they must delete it and not one of those soft deletes. Makes me just want to wait the few more months till the SOL is up. :?
If the collection agencies validate the debt within 30 days of receipt of your letter, you should immediately come to a repayment agreement to pay off the debt. You can send a pay for deletion agreement letter to the creditors if they validate your debt. Just sending statement of accounts for the outstanding debt is not a proper debt validation. Validating the debt means that the creditors need to provide you with a copy of the original signed form which you have signed when they have provided you the debt.
Justin: I did the same....Sent a DV letter to 2 different collection agencies. Neither on responded by sending me a copy of the signed form when the so called debt was obtained. 30 days has expired for them to send me these items. They only sent me computer print outs stating "We've confirmed this debt is yours"...."This is a request to collect a debt"...etc. What should I do now?
Learning that is not proper debt validation. they need to have a copy of the original contract signed by the original lender and yourself. Also they must show that they have a right to even collect this debt. Since they did not send proper validation if they go ta take you to court they can not win.
Sorie, seems like you keep getting lost in the mix here...Did you contact the collection agency or did they contact you. If your debt was that close to the SOL I would have NEVER contacted them and called attention to the debt. Either way now that you sent a debt validation letter they must validate or lose the right to collect.
Fireyone,,,,, NO I messed up.
They have sent me three letters in the last year, never any before that. I wanted to resolve the issue, even though I know the SOL is coming do. So I sent them a PFD before they even gave be a DV.
They have not responded to the Letter and I have not gotten the delivery confirmation back. So I will send a DV/PFD to the address that on my credit report.
It is Palidsades/Van Ru. I hear they are not good at getting back to people. I initially sent the letter to Van Ru where the CA letter came from.
It is not about the money, I just want it off my report so I would like to deal with someone who could care just slightly with these folks.
I am sending the letter today, any more advice would help, I don't want them to re age my account if I pay or something they can do. I really don't want them to Sue that would cause to much problems.
Tactics
One more question?
the CA has sent me two different Payment amounts.
1st they want more than $500 than is what is listed on my credit report
than they say i can settle the debt for half the amount they say i owe :?
Is this some sort of tactic, or maybe a debt that really has no substance :?:
Hi LearningFast
Since they have not validated the debt, you have nothing to do because you are no longer required to pay the debt as per the Fair Debt Collection Practices Act. Now if you do not pay off the debt, what they can do is to sue you to the court to bring judgment to recover the debt. If they do so, simply produce the proof that you have asked for debt validation which they failed to provide and the judgment will go in your favor.
Hi Sorie
If the collection agency has already listed it in your credit report, you should first ask them for debt validation before you make any payment towards the debt. Now on getting proper validation, if they agree to settle for half the outstanding amount, get in in writing first and then pay it off. This is because if after getting half payment on the debt, the sell the remaining amount to another collection agency, you may be in trouble. Mostly the collection agencies agree to settle the debt for 50 to 60% of the outstanding debt amount.
I sent a letter to the CB asking that the negative posting be removed since the CA didn't validate the debt. I also sent along all of the paper work proving to the CB that I attempted to get the matter resolved. Instead of having this info removed the CB responded by saying I'd have to wait for it to fall off. This will come off at the end of this year but shouldn't the CB have taken it off now since they didn't validate it.
Hi Learningfast
If the credit bureaus did not remove the listing in spite of the fact that the CA did not validate the debt, you can file a complaint with the Federal Trade Commission by sending them copies of the proof that you have asked for debt validation as well as the copy of the letter that you have received from the credit bureaus showing that the bureaus have denied removal of the listing.
Yes, you can only file a complaint against the bureaus to the Federal Trade Commission. You can either send them a letter with the proof that in spite of the fact that your debt is not validated, the bureaus did not remove the listing from your report. You can file a complaint online by visiting the link
https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en
You can also mail them at the following address:
Federal Trade Commission, Consumer Response Center
600 Pennsylvania Avenue, NW, Washington, DC 20580
credit
I've 'disputed' a few items, on ALL 3 CR's. I've heard back from ONE of them..however, it's been more than 30 days since I 'disputed' anything. Anything else I can do?
Probaly not much until its been 30 days on the disputes. Once they do not validate Sd then you can dispute the listings of these debts with the reporting agencies. What kind of validation did you get from the one your heard back from?
Filed the complaint now what?
How long should it take after filing a complaint with the FTC for me to find something out?
As far as I know, after you file a complaint with the Federal Trade Commission, it usually takes 30 to 45 days for them to resolve the issue. However, it all depends on what type of complaint you are filing with the FTC.
I just received debt validation back from a CA and the only thing they sent me were two statements, one from 2006 and one from 2009. Is this proper validation? The statement from 2006 shows me having made one purchase and one payment and the one from 2009 shows only a past due fee and that's it.
debt
No, TONY. That is NOT proper validation. They needed to send you the contract that you and the OC/CA (depending on who it is) signed. Do you know when the SOL is up on this debt?
debt validation
Hi, I sent my DV to NCO financial on 12/15/09. I got a letter from them on Feb 13, 10 saying that the account is closed in their office and they didn't report the account to credit bureaus. Now, 3 days after, Feb 16, I received another letter from Palisades Collection, which is the creditor, saying they received my request for verification of debt and provided me some account information they have on file such as original creditor, previous creditor, current creditor, current balance, accnt #, SSN, debtor #, charge off date and open date.
The question is, what is this letter for? I just thought they already closed the account because they didn't send me the verification letter within 30 days...
FqguVOiFeWYGJaIWTWn
kNJq2D I am so grateful for your article post.Thanks Again.
hOFBNXoynE
cVh0rR I think this is a real great article.Much thanks again. Want more.
charmdatescamreviews.wordpress.com
Lets talk a lttle bit first
Some women are affected by my initial message, And after 4 or 5 messages forwards and backwards, I suggest if many people meet up for a date. They typically give the response "" maybe "I like to start to learn you first" Or some edition of that.
Gut behavioral instinct tell me this: They are doing this since they're not serious about meeting me, But I attractive enough that they want use me as an orbiter/for attention. And maybe as a possible option soon.
admit it, If I looks like Brad Pitt/Zac Efron and messaged them, They wouldn think to just "know me" internet first. They drop each phase to go on a date with me.
Been on 2 dates with women from uniform dating in the last 2 months (Is that many?), And in both those cases, They didn fuss online. They met me within 4 5 communications. This tells me the fact that "" Is literally just time wasting and I need to move on to the other woman.
You mostly amend.
numerous women who are just getting back into the dating game and are nervous about the whole process. These women will unexpextedly waste your time.
I tell them that attraction happens in person, Not at least an app. I also point out that the entire point of meeting for coffee is to become familiar each other. And as a benefit, We don spend three weeks talking just to learn we have no chemistry in person.
Most might accept a casual date; what's left get soft nexted. I either get what i want, Or I move ahead. I also point out that the entire point of meeting for coffee is to learn each other. And as an additional, We don spend three weeks talking just to know the truth we have no chemistry in person.
This is actually what I tell most of them, But they come up with some bullshit excuse or insist on understanding each other online.
I agree you russian dating can totally appreciate how you get on with someone online. i had developed "Text/online chemical make up" which includes a girl, Only to find out in the real world we don get on at all. That why I don want to waste time conversing online. Most are simply looking to chat and have no intention of ever meeting you in person.
Of the girls that do end up meeting you in person, Some might chemistry, Some don't.
Lets do a bit of math. Say you talk to 10 girls, And assume for the sake of the example that it takes 2 weeks of talking to get them comfortable meeting you. 6 are experience wasters, 4 are reliable. your 4, Maybe 2 you have any biochemistry and biology with at all. to become able to have a chance at meeting those 2 girls, You need for 20 weeks worth of "knowing you" efforts.
Now I know that sometimes it low effort interactions, But still effort, And it adds up with time. should skip those girls, You focus only on the girls that are willing to meet, And save your time. It not advisable to me to waste all that effort (browse:available free time) any longer for such a low return.
ACTION CREDIT SOLUTIONS
ACTION CREDIT SOLUTIONS has given my life a meaning now! I contacted them last month to help me fix my credit. I had evictions, late payments, and hard inquiries on my credit report. How they were able to override the system to remove all the negative items from my report is what I don’t know. The truth of the matter is that my credit is in perfect condition now and all the negatives gone and my credit score raised to 790. Big thanks to ACTION CREDIT SOLUTIONS. You can call them with +1 (737) 201 -7316 or write them today on ACTIONCREDITSOLUTIONS@GMAIL.COM
prohack network is the best in credit repair.
I always wondered how I could boost my credit score after constantly getting ripped off by lenders, banks and credit card companies due to poor credit history. Then I got referred to by a friend about this amazing hacker guy called PROHACK NETWORK who helped remove the negatives on my report and increase my credit score in a discreet manner. He charges reasonably and gives you evidence before final payment. He changed my life and I can now boost of having a home and a new business, all thanks to him. He can fix your credit report and increase your scores in record time. He came through for me and he can also do the same for you.. Hit him up on his email; prohack.net@aol.com and cell; +1(252) 307-3167