Having same problem with company.
Debt paid (settlement accepted about 6 years ago by lender).
They are 2nd collection agency contacting us on sme debt.
Frist was Jefferson Capital.

[curlycarl]

Usually, even after the debt gets paid, a collection agency contacts because they found the account still unpaid in your credit report or the creditor hired them to collect the money from you. It was the duty of the agency whom you paid the account earlier to update your file with the creditor and the credit bureau. Since they have not contacted and updated your file, you are still forced to pay the same debt which has already been paid by you.

You need to contact them whom you paid this account. Send a formal letter explaining that your credit ratings are being hurt because of their failure to report to your creditors. Thus, they need to do the needful and send you a confirmation letter in writing. The updates done in your credit report will be reflected in the next 30 days.

Explain the same situation to LTD financial services but before you do so, first ask them to validate the account. You first need to know if they are really having your account or just making a blind call. Send a debt validation letter to the company's mailing address through certified mail.

Calls from Arron Archer ext 2727 calls twice a week and is a jerk Finacial service Limited anyone have address or info so I can send THEM some legal papers for harrassament?

[john]

collection agencies cannot harass you over the phone. If it is permissible in your state, you can record the phone calls for legal evidence. If the state laws require you to take the permission from the other party, you have to notify the person about the call being recorded. Once he starts speaking after being notified, your permission has been granted.

Here is the address to contact them.

LTD Financial Services, L.P.
7322 Southwest Freeway, Suite 1600
Houston, TX 77074
(713) 414-2100

I got a call several months ago they said I owed money on a closed account. I thought I took the proper action and wrote to them explaining that I never had a card ending in the numbers they claim. They replied that it had been sent back to the original debtor. I thought the matter was done until "Charity" called me today stating that I owed this amount and since it had my name, address and SS# it must be my debt and I should take care of it. I told her to send me something in writing and I would reply. I am tired of this and when I went over my records, I have NEVER had a card with the number they are claiming I owe for. Any one have any suggestions?

[david]

Deborah

I wonder if someone has tried to open an account using your ssn#. Check your credit report immediately and see if the said account has been put in your file. If you find anything suspicious, dispute with the bureau requesting the results of the investigation. Meanwhile, you can ask the company also to give the details in writing. It is your legal right to get the itemized statement of the account.

Send your letter through certified mail with return receipt requested. Keep everything documented in a file for records.

the animals from LTD called my house 15 times yesterday, no message and 9 times last night. i am going to put a complaint in with the phone company now.

These little **** retentive morons call my house everyday, usually at least twice! I went online to check the phone number because their auto-dialer usually hangs up on me when I do answer the call. Does anyone have an idea of who their clients are? For those of you who have a valid complaint you can file a complaint online with the FTC (Federal Trade Comission). For example: Collections Companies can only call debtors between the hours of 8 am and 9 pm (debtors time zone) and may not call more than once a day (harrasment), unless you do not answer the call. These are just a few of the things they must abide by, and can be fined for if they disregard these rules. Know your rights!

****Adult term removed - Jason

Yup they will try anything to get information out of you. I have no idea who they are or why they call my old phone number from 8 years ago. I call them back late at night and ask them to call me back between 1 am and 5 am, my filed investigation position with the IRS does not allow me to keep normal hours please give me an after hours phone number and your personal identification number.

I came home today to a message on my answering machine from Chris Derby telling me to call back as soon as possible because it was very important. He left the number 1-800-741-2100 x2345.
I called back, gave him my name, and he said he had to pull up my information... then he said something about the computer being slow and within seconds the call was disconnected. I did not receive a call back.
I became concerned when this happened, and then after reading these posts and hearing the stories of others, it frustrates me to think that this man can be calling, leaving different extensions, trying to collect debts that no longer exist.

I received a phone call today from Nathan from LTD. He was asking for my mother. I called him back to say he had the wrong number. I was told that my home number was an alternate phone number for my mother and that I could only talk with them if they got the "OK" from my mother. I'm afraid that "Nathan" will harass me. I cannot get into trouble can I? Is there anything I can do to stop them from calling me?

[BuildingWealth]

Tricia, I understand that you don't have a debt sent to LTD Financial. If this is the case, you can send a cease and desist letter to the company and stop them legally to contact you. They will be bound by the federal laws to honor your request after receiving your letter. Send it through certified mail with return receipt requested.

Can anyone tell me what the end line is on the 'Statute of Limitations' law? Is it a year . . . 2 years . . . 3 years . . . ???

[ArDeN]

Bert, check the laws of your state. Every state in US has its own laws about SOL. Also, the SOL is calculated from the date of last activity on the account. The state where the account was opened is taken for considering the SOL. Give us some more info about the account so that we can guide you with the SOL part.

(800) 741-2100 x2723
LTD Financial Services
7322 SW Freeway,
Suite 1600
Houston, TX 77074
(713) 414-2100

[KYSIDE38]

I paid off an account with LTD. Out of all the collection agencies I had the best experience with them. Heather was my agent and she treated me kindly and worked out arrangements I could afford. Call them back and try to work out what you can. KYSIDE38