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Found 4 results

  1. Hi everyone, I was planning on lurking longer before making a post but I received a collections letter in the mail this week and I need some help. in 2007-2008 I had some financial troubles and ran up two credit cards. Before I found CB I had no idea what I was doing and I made every mistake in the book with my HSBC account. I ignored everyone until I got sued, showed up in court alone and unprepared, accepted a judgment against me for the full amount, and then spent the next year paying off the full amount of the original debt, court fees, and interest. I'm trying to not make any mistakes with the second account, which was with Bank of America. My last payment to them was in April of 2008, the account went delinquent the next month, and I never made another payment with them. The statue of limitations for Pennsylvania is four years, so the debt became time-barred in 2012. This week I received a letter from Dynamic Recovery SOlutions in Greenville, SC. From searching around on CB they appear to be a JDB and going after time-barred accounts with ridiculous markups seems to be their MO. I believe my best course of action is to send them a FOAD letter. Is that correct? If so, please critique the below letter I typed up. If it's not correct, I'll be happy to hear any other suggestions. And then I send this out CMRRR on Monday?
  2. I don't know if trying to improve my credit has stirred up the ugly monsters, but I received a letter from FNCB trying to collect for a debt with Sears. The last time I had a Sears card, I was 22ish???? I know that Sears fell off my credit back around 2006 so it must have had it's first delinquency around 1998 or 1999? What the heck are they trying to do? These are not on my credit reports any longer. Do I write up a FOAD letter and send it Certified Mail or do I just ignore this? I don't understand how they were able to come out of the darkness and start collecting on something so old... sounds like a scam to me.
  3. I sent a DV letter to Convergent Outsourcing for an old Comcast bill (dated June 2009). They replied with a copy of the bill with my name and old address on it. What is my next step here? Send a PFD letter? FOAD letter? My state is Pennsylvania if that helps. my goal is to have it totally removed from my report, even if it means paying up. Thanks!
  4. Hey everyone, I just received this letter below from First National Collection Bureau. It is in reference to a very old First Premier Card. There is only about 1 year left on the reporting statues and is well past the 4 year SOL of Texas. First National is not reporting because First Premier has not transfered the account to them, they just hired them to collect, First Premier still reports the balance of the charge-off. Since this is so old I just want to keep it off my reports, or any potential of it getting on my reports. Also in the letter, FNCB never represents the alledge debt as past the SOL, that is a miss-representation of the debt. Also in the right upper area it seems like they are using a scare tactic in the amounts due section. They have a court cost section listed as a zero balance and also attourny fees listed as a zero balance. This seems like a veiled threat of court action on an inactionable account, is this legal? Should I go FOAD or DV in this situation? Here is the letter. Thanks so much! D
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