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Found 3 results

  1. Hi. We previoulsy posted about LVNV Funding in another thread a week or two ago and the Dunning Letter my spouse received (recently was married, since the last thread). We've sent a DV letter as instructed CMRR and waiting a response fron that with the guidance we learned from here.He just recieved another letter from Asset Acceptance LLC that is offering a 90% discount to pay now. It does state in the bottom in very small print: "The law limits how long you can be sued for a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency." From what I can tell, this would only require a response to make them essentially.. go away. I belive I've seen this referred to as a FOAD letter, correct? We have a complicated journey ahead with his credit as we just married (thanks to recent law changes) and he is changing his last name to mine which may help or hinder the process of his repair (but I'll save that for another thread). Input, suggestions or guidance would be appreciated. Thanks
  2. I need help removing them from my report. All my baddies fall off between June and August 2015. Should I even bother to dispute or just wait it out? There are three unpaid collections on my report also, (not Asset) but not sure if I should dispute or wait for them to fall off next year. Help!!!
  3. I received two letters yesterday from Asset Acceptance. Both were settlement offers on old Providian Bank cards that are at least 14 years from DOFD. Asset Acceptance was subject to a FTC settlement in January 2012 that requires them to disclose that a debt is time-barred if in fact it is. There is no such disclosure in these letters. My question is this: Is there a right to private action against Asset Acceptance for a violation of the FTC settlement? Here is the link to the settlement: http://www.ftc.gov/opa/2012/01/asset.shtm
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