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Bman125811

Wakefield & Associates.... Attorneys or not?

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I have a TL on my TU and Exp reports (still waiting on Equifax) from Wakefield & Associates.

 

Under "Loan Types" they are listed as "Collection Agency/Attorney.  I have went to their website and read each of their "exec team's bios."  No where do I see any mention of any of them being an attorney.  I have disputed this with TU & Exp in writing, by certified mail and not on-line, which both received on Thursday, 12/06/18, because I honestly do not who the OC is.

 

I guess my question is, when the disputes come back as verified, as I'm guessing they will, what are my options considering all the other info indicates it is still within the SOL

I am assuming I will begin to get letters or phone calls from them.  But.... and this is the interesting part

 

What is really interesting is the TL also says "Acct Info Disputed by Consumer; <Placed for Collections>

I have not disputed anything on my credit reports since some time in 2014 (?). 

"Placed for collections: 04/29/18"

Date Item to be Removed: 04/2024 (which indicates an original date of sometime in 2017)

?????

(Confused?  I am)

And the balance seems to be increasing over time a few dollars per month.

Original Creditor: Medical

 

Any help/advice/opinions will be greatly appreciated (I may not be able to get back here immediately to respond to anyone but will return soon).

Thanks in advance.

 

You don't really have to waste your time reading their bios but I am pasting them below anyway.  (No law degrees)

page address:   https://www.wakeassoc.com/management/

 

Matt Laws Pres & CEO:  Mr. Laws has an undergraduate degree in computer science and an MBA from the University of Dallas.

 

COO:  Mr. Boettcher is active in the legislative arena locally and nationally with ACA International and Associated Collection Agencies, Inc. Mr. Boettcher also has extensive experience in the acquisition and management of defaulted consumer debt portfolios.

 

CFO:  He holds a B.S. Degree in Business from the University of Tennessee and has over 30 years of diversified business experience in both public practice and industry, including 21 years with RRC Wakefield.

 

Chief Relationship Officer:  He holds a B.S. Degree in Finance from the University of Tennessee, is a member of the International Fellowship of Certified Collection Executives, Healthcare Financial Management Association, University Sertoma Club, and is a member of ACA’s Future Leaders. Prior to the RRC Wakefield merger, Gregg served in the dual role of President and Chairman of the Board of Directors of RRC.

 

Chief Business Development Officer:  Tyler is an acknowledged expert in several areas of medical collections including ambulance, surgical centers, hospitals, and radiology. Mr. Marsh has assumed the responsibility of growing and managing the relationships with our clients, with great success.

 

Chief Compliance Officer:  (blah blah blah...  Debra holds an MA in Organizational Management from the University of Phoenix and a BA in English and Secondary Education from Iowa State University. Debra is also a Professional Collection Specialist(ACA), a Trainer Specialist, and holds ACA’s Scholar and Fellow Degrees in Collection Business Management. In 2009, Debra earned ACA International’s Credit and Collection Compliance Officer Designation.

 

Director of IT:  Kevan holds degrees undergraduate degrees in mathematics and history.

 

Again, NO ATTORNEYS!!

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Ok, so it said too much time elapsed to edit the OP but...

 

I just thought of something, if this account is showing as "Disputed" and the acct was opened 04/2018, can it be updated?

 

"Date updated:" is showing as 11/05/2018.  And like I said previously, the amount owed is up a little from the original amount reported in April, the date opened by CA ($1,231), to November ($1,269).  $38 total increase.

Can anything be added to this account if it is showing as being disputed???  Is not collection activity supposed to be suspended while the account is in dispute status?

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Is this a medical account??

 

Follow the guides;

 

https://whychat.me/GUIDEBOOK.html

 

If it IS a medical account, when was the original date of medical service??

 

NO, collection activity is NOT suspended while an account is in dispute status to a CRA, ONLY if you have sent a VALID dispute within the initial 30 day dispute period to the CA is it possible for the collection activity to be suspended and that would not effect the reporting.

 

The qualifications of an attorney associated with a CA have NO bearing on the validity of the CA's ability or right to collect or report on an account.

 

If this is NOT a medical account ask the mods to move it to the Credit Forum.

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Thanks for the reply.

 

Yes, it is a medical account:

Original Creditor: "Medical-ACS Primary Care Physicians (Medical/Health Care)"

 

But I have no idea who they are.  If it is in dispute, the last time I disputed anything would have been back in 2014 so this has to be out of SOL if it is mine.  There is definitely something "funky" with this one  just based on the dates alone.  I have had no "medical services" within the time frame of this entry.  I have not received any letters from them either that I can remember.

 

I used your CRA dispute letters to begin the process.  TU & Ex received them Thursday.   Eq should get their letter Monday (tomorrow).  I'm waiting on the CRA response and will then begin the HIPPA letters to the CA's.

 

 

P.S. - I used the script font and a light gray color.  Thanks again.

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Did you opt out and delete old addresses FIRST?

 

 

Have you carefully checked your reports for any discrepancies?? Alternate SS#s? Unknown addresses?Misspelling of your name??

 

I have no idea why you would use a light gray color font when the instructions CLEARLY suggest a BLUE font on the BLUE background to prevent any automated "reading" program from reading the letter.

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On 12/9/2018 at 9:34 PM, Why Chat said:

Did you opt out and delete old addresses FIRST?

 

 

Have you carefully checked your reports for any discrepancies?? Alternate SS#s? Unknown addresses?Misspelling of your name??

 

I have no idea why you would use a light gray color font when the instructions CLEARLY suggest a BLUE font on the BLUE background to prevent any automated "reading" program from reading the letter.

Yes, Yes and yes...

 

Had no choice at the time.  For some reason printer would not print in blue or yellow (I know, yellow not needed for this) so I went with the light gray and as close to cursive font as I had.  I did all the maintenance options and I guess the printer is shot and will have to pick up a new one. 

 

I was also thinking that it being the Christmas Season and all, they (the CRA's) would probably just verify everything anyway just to get it out of they way.

 

Another thing, what are the thoughts of anyone here about Credit Karma or Credit Sesame?  I'm thinking that if you opt out they can't access your reports anyway and I'm not too sure I want to give them access to my reports in the first place.  I figure if you did sign up with one/both of them then you would be continually bombarded with credit card offers and the like.

 

Thanks all and Merry Christmas.

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Opting out does only one thing-- it prevents the CRAs from SELLING your data. For those with excellent credit it means that they get good offers from top credit card companies and high end investment firms. For those with poor credit or so-so credit it means that data miners buy your data and make it available to low grade credit offerers and JDBs ( junk debt buyers). It has NO effect on reports from 3rd party providers.

 

Actually the Holiday season is the best and easiest time to get a deletion IF your dispute letter can not be read by their automated systems.

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Thanks for the reply.

 

" Actually the Holiday season is the best and easiest time to get a deletion IF your dispute letter can not be read by their automated systems. "

 

I was thinking they would just validate and move on but...

 

I have another question for you that is not medical so I am going to start another thread in the regular credit forum if you'd take a look at it and give me some pointers.  (I have my printer working now - ??? - and can print in the blue background).

 

I'll come back here once I hear from TU & Exp.

 

 

Thanks.

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I received an answer to my disputes with TU.  Nothing so far from Exp.

 

I had two TL's from I.C. Systems and one from Wakefield & Assoc.

 

One I.C. Sys was deleted.  The other IC was Verified as Accurate.  Also, Wakefield was verified as accurate and the "Date Updated" on the investigation results is dated 12/03/18.  They did not get my dispute letter until 12/06/18.   The IC Sys that remains shows "Date Updated" 12/11/18 which is only 5 days after receiving dispute.

Does this mean anything?

 

As I understand it, it is time for the HIPPA letter to go out to the CA.  Correct?

 

It appears that the Wakefield may be within the SOL.  Should I still send the HIPPA letter to them?

I really do not know who this medical provider is.  And it has a balance due.

 

And finally, should I wait for the Experian report to come back.  Exp and TU received the certified dispute letters on the same day - 12/06/18??

 

Thanks

Edited by Bman125811

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Wait for a response from Experian as you may need to send the CA a medical DV for both CRAs.

 

As to SOL-- you said in a previous post "the last time I disputed anything would have been back in 2014 so this has to be out of SOL if it is mine.".

 

What has changed??

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First:  How long does it take Ex to answer a dispute?  They received the dispute on 12/6.  As of today (01/14/19) I have not heard anything.

 

As to the SOL on Wakefield that WhyChat asked about.  Nothing has changed, I was just stating that according to the dates on the updated TU report dated 12/28 it would appear that this IS within the SOL.

 

But... it still says Acct Info Disputed by Consumr - Date to be removed is 04/2024.  I have not disputed anything since 2014.

 

  

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