 Posted: Mon Aug 13, 2007 3:23 pm Subject: Credit Control - LVNV ?? |
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I have been receiving calls from Credit control at work regarding an old account and need some advice. I have spoken to them on a couple of occassions and have sent a debt validation letter which i told them i was doing as i have received 2 letters from 2 different companies on the same account. They sent me a letter stating the following:
| Quote: | "Our records indicate that you owe a balance of $XXXXX to ______. Credit Control has been retained by _____to recover the balance in its entirety. Balance is due in 72 hours.
This letter is from a debt collection agency and is an attempt to collect a debt. Any information will be used for that purpose." |
THey stated this is proper validation. Also, they offered payments that i cant meet or downpayment that i cant meet. Said a decision would be made tomorrow on this account and they would be contacting payroll.
Few questions:
What can they do by contacting payroll (garnish)?
What should i do in the meantime?
The validation letter was sent after 30 days, so are they required to respond?
Any other advice would be greatly appreciated.
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needadvice
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