LMorgan

Received a call from an (814) area code. I called the number back and it said that I had reached "Law Centric." Now that I have been sending DV letters and cleaning up my credit, CAs are coming out of the woodwork. I can't find any info on them online and I searched this forum with no results. Anyone know if this is a collection agency?

I received a dunning letter. The letterhead has a physical address and the billing address is a P.O. box. Do I send my DV letter to the billing address or the corporate address?

It depends on what they consider the DOFD. You are supposed to pay your balance in full before attending classes. Classes started in 8/04. Now, if they were to give me to the end of the semester to pay, then that would have been 12/04. So, either way, it has been more than 7 years. I don't even owe this debt (I've written about it before on this site), which is what really ticks me off. I am especially annoyed that the OC updated my report with a new TL and new account number that I'd never seen before in my life once I requested debt validation from the CA.

Bumping since this issue is still a thorn in my side!

I just deposited a check from Citi into my bank account. They are treating it as a balance transfer, not a cash advance.

I'd keel over. I throw up and get headaches when it's 84 degrees -- never mind in the 90s!

No, I didn't. PA is a two-party state. I'm not trying to go after them for a violation. I just want them to stop calling. The FOAD letter in the sample section words things a little differently -- that's where I got the info about a "subject account."

If I thought I wouldn't die of heat stroke, I'd move to Texas just for your nice consumer protection laws! Pennsylvania is not that great, although our SOLs are only four years for each type of account (unlike states with 6-10 year SOLs). I just wrote them a letter stating that I have no knowledge of the alleged debt, that the "subject account" is well past the SOL (per the sample FOAD letter on this site), that the rep violated the FDCPA by not stating that the call was an attempt to collect the debt, and that if they are using autodialers, they violated the TCPA by calling my cell phone. The letter closes with a request for them to cease all communications with me.

Nope. These agencies are coming out of the woodwork with past-SOL debts now that my credit reports have my current address on them. I had to send a DV to one company for a debt from 2004 (that I don't even know that I owe -- they never responded) and now this one is from 2004, too.

The same CA has been calling me for months, and I am sick of the phone calls, so I answered the phone today. The first person I spoke with stated his name, but he did not state that the call was an attempt to collect a debt. He said I owe $204.82 on an M&T overdraft. I told him I have no knowledge of that account (at the time, I didn't -- the account was opened in 2003 and I forgot all about it) and asked if he could tell me when and where it was opened. He transferred me to his supervisor, who did state that the call was being recorded and said it was an attempt to collect a debt. The supervisor said it was an M&T account charged off on 6/22/04. I am not sure how bank overdrafts are treated in terms of SOL. It looks like SOL for oral, written, open-ended, and promissory accounts is four years in my state, so this should be well out of SOL (if an overdraft is not treated differently). I told the supervisor to give me the company's address so I could "investigate this matter and let them know the results." Then he asked me if the last four digits of my SSN were XXXX. I said, "I'm sorry, but I do not give that information over the phone." So I didn't give out any identifying info or anything like that. Since I have their address, can I just send them a letter that tells them to stop contacting me and that the debt is SOL?

I am working on a PFD letter to RJM. Would you mind sharing the text of your letter or how you went about making the PFD offer?

Okay, it has the required notice in teeny tiny print on the bottom. So do I need to do anything? Should I just ignore any more letters? I sent the DV to Convergent, but ER Solutions has been calling me about the same debt. I don't want them calling me b/c they are calling my cell phone (which I don't think they should be doing, as I did not even have this phone number when I opened the original account -- I know they can call a cell if it's listed in your credit application, but I didn't have this number then). It costs me money every time they leave a message.

Ooh, thank you!

What should I write? Dear ASSet Acceptance Representative: On April 24, 2012, I sent a letter requesting validation of this alleged debt to Convergent Outsourcing (see enclosed). A representative from Convergent signed for the letter on April 26, 2012. I received no response to my request for validation. Are you attempting to collect on the same debt? If so,... What should I put in there?

On April 24, I sent Convergent Outsourcing a DV letter b/c they are trying to collect on a debt that is almost 8 years old. They received it on April 26 and never responded. Now, I just got a letter from Asset Acceptance, LLC offering me a settlement of the same exact debt. In the meantime, I have been getting calls from ER Solutions about the same debt. Is it possible the debt was sold to two different companies? Should I just send Asset Acceptance a DV letter now? I find it funny that they are willing to take $35 on a $370 alleged debt. Of course they are -- it's out of SOL, so they probably paid pennies for the account. ETA: Convergent sent their original dunning letter to my current address. Asset Acceptance sent it to my mother's house; she gave it to me when I saw her tonight.