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Recieved 2 dunning letters in the mail today.


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The first dunning letter is for an alleged old medical bill for $900

 

Collection Agency is Dynamic Recovery Solutions. They give me three payment options but down on the bottom it says they cannot sue me for this debt nor report it to my credit reports.

 

How should i handle this one? Just ignore them?

 

The second one is not a medical collection but from the same CA. It's for an old cell phone bill for 200. Again down at the bottom it says they cannot sue me for this debt but they can report it to my reports.

 

I have a feeling this comes from filling a complaint with the BBB against Jefferson Capital Systems last week. I filed on the 16th and these letters are dated for the 15th. Coincidence? Just an fyi the phone bill lists JCS as the "current creditor". May i also add that after complaning to the BBB then disputing JCS to the bureaus they did remove JCS from all 3CRA's.

 

How should i proceed? Thoughts

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Follow the guide;

https://whychat.me/GUIDEBOOK.html

 

Check your reports carefully for any errors or discrepancies.

 

It is unlikely your complaint triggered the JDB collection letters. More than likely you are the victim of the sale of your account data to data miners. Opting out should stop this.

 

If neither the medical account or the phone account are not reporting you can send a DV to the CA for both in the same envelope.

For the medical;

https://whychat.me/ltrcavalhipaa.html

 

For the phone bill

https://whychat.me/nottoca.html

 

Please note you can delete paragraphs from each letter that do not apply to your situation.

 

Both letters include a total cease and desist which should prohibit this JDB from reporting.

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