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  1. Hi, everyone. I've been a member for a while, but I've been unable to fully jumpstart my credit repair engine. Today, I received a letter from First National Credit Bureau of Spark, NV that read as follows: Creditor: North Star Capital Acquisition, LLC Original Creditor: Capital One Total Due: $1000+ This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned client. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. IF you notifiy this office in writing within 30 days after receving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. IF you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be neccessary, we could set up your account on a monthly payment plan. We would like to extend the following settlement offer: A 40% discount payable in 6 payments of $100.00+. Each payment due 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via check over the phone or credit card. You have our word that you account executive will treat you fairly and with respect. Sincerely, First National Collection Bureau This is an attemp to collect a debt. Any information obtain will be used for that purpose. This is a communication from a debt collector. I pulled my credit report some time back and it listed Capital One as an account. This info I have is as follows: Acct: Cap One BK Acct Type: CC/Revolving Terms Acct: Closed Date Open: 11/1/2002 Date Reported: 12/3/2006 Balance: $1248 Payment Status: Charge Off I'm a little confused as to the information. The credit report is a little dated, but I've not have any credit activity (cards, attempts at obtaining credit, attempts to pay off old debt) in some time. In this particular case, I'm certain that I have not had contact with Cap One or a collection agency since near the time the account was intially opened. Can someone explain what I am to do? I assume the SOL is from 12/3/06 and not 11/1/02. The report that I have shows a two year late payment history that extends to an earlier date than 2006, but I'm apparently not very good at reading this report. I thought that I was near the SOL by Nov 2009. Am I wrong?
  2. Sorry, double post. Stupid satellite internet.
  3. Thank you for your response. I took care of this over lunch. When the insurance company makes a billing error and agrees to correct it, is the process the same? I'm confused as to how to handle one that shows as being unpaid. HR tells me that the procedure is covered under our policy and advised me to contact the insurance company to resolve payment. Do I just use the same procedure for both incidents?
  4. Hi, Thanks for the response. Opt out - Check - I actually did that a while back. This will sound silly, but I couldn't find anything readily available to explain it to me. On the letter it has a blank for certified mail #xxxx. I assume this comes from the post office. Does this require that the letter be handwritten to fill in the blank at the post office, or do I just type the letter, print it on stationary in the colored ink designated, and then fill in the blank by hand at the post office? I'm sorry. I know it sounds like a stupid question, but I've never sent anything via certified mail before. Thanks again for your time.
  5. I have an old account showing on my credit report. Several years ago, I received services at an emergency room here in Austin for a boxer's fracture (Yes, I was boxing). I paid the hospital for my visit at the time and then went on my way. Shortly afterwards, I lost my position at work and ended up moving to a cheaper apartment. I pulled my credit report more than a few months later and there was a fee for the visit showing as a negative. Capitol Emergency Associates $134 The debt was sent to Medical Business Bureau. I contacted my former employer regarding the matter and spoke with their human resources department. They contacted the insurance company (Aetna) who admitted to a billing mistake and paid the amount owed. The debt is now showing as Paid/Closed. How do I get this removed? I spoke with Capital Emergency Associates and the lady on the phone says that medical collections do not impact a credit report as much as a regular entry and that a paid collection has no impact at all. I feel she's incorrect. She also said that they would not remove the entry as a negative from my account. Do I have a course of action that I can take to have this removed since the insurance company paid up on their mistake?
  6. Was the roomate included in the leasing agreement? If so, a letter to his CO may help to recover funds if things don't go your way. I can recall several instances where someone tried to skip debt in the Corps only to have the CO garnish wages to cover the debt.
  7. Written contracts can always be forged, too. There's always a rebuttable presumption it's from the person it says it is. Are there any examples you can point me to that would indicate courts view emails in this manner? I could easily open an email account on yahoo as direred@yahoo.com. A sig can at least be somewhat verified, but unless there was some sort of IP info to show it originated from the users computer on the user account, I can't see how that would be hard to defend against.
  8. In California, that would be enough. E-mails are written, and a written acknowledgement of the debt is enough. Make sure, when you bring it to court, that you include a copy of the email with ALL the header information. I would like to see an email used in court. I could just as easily create an account with your name and agree to pay you something with it. I can't see how you could do it that way. It's too easy to key stroke log someone's computer and capture pwords these days.
  9. I don't owe them jokers money. I'm current. WTF
  10. Started calling me this morning. They have called three times today. (973) 347-5382
  11. UPDATE.... The hospital refuses to discuss the matter. All inquiries are to be referred to the hospital billing agency. The billing agency says that they do not handle removing anything and for me to dispute with the CA. So now what, BBB?
  12. I still trying to get the anwer to that question.
  13. They are listed as being out of Colorado. Their RA info is: C T Corporation System 350 N. St. Paul St. Dallas, Texas 75201 They do not have any assumed names operating in Texas.
  14. Your web site has a search engine to bring all active, inactive, or pending cancellation bond info. There is a section in TFC requiring 3rd party collectors to have the bond and spelling out penalties. AG and OCCC are charged with enforcement. I would write out a detailed complaint, with documentation to AG CC to OCCC and SoS. Calling a waste of time. I'm familar with the website and the search function. Nobody here (SOS) can say what to do about it. I've seen that a local CA has a bond, however, they DBA under another name which is not listed on the bond. So the question is can they collect with the bond listed under a different name?

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