my credit report was affected by your entry to the credit bureau that showed i owe you money. therefore i request you send a statement to the credit bureau that reflects the actual status of my credit report

[Bossy4455]

Mickey- there may be something you can do in regards to improper service, and no notification-check with your court clerks office.

Ronnie- We are not LVNV- but a Forum relating to debt and credit issues. You need to contact the address that shows up on your credit report and send them a letter..karen

Subigirl- Thanks for the information. So keep hounding them. I think its odd that i sent these validation letters along with cease and desist to them. They didnt validate the info requested. But now i am getting phone calls from hell from collectors. I never answer any of the calls due to scanning my numbers as we all should. I sent out some more letters 3 days ago to these companies along with mmy documentation proving they are not valid debts. Copies also cot sent to all 3 credit bureaus. One of the companies are trying to collect on a debt that i already paid off in 2005. Another is reporting an inaccurate amount that is double what they sent me for what i supposedly owe.

[hvn_sent]

Does anyone have knowledge regarding caller ID's? Is it possible to receive a 'log' showing incoming calls? How do you go about requesting the info? (I only have a cell & Im not sure if a report is a tool that would be available). Thx!

[Bossy4455]

Heaven- Won't all of your incoming calls be on your cell phone bill? Mine are, problem is, most of the times they call,it isn't the right number-or is says 000 or something stupid!..karen

[hvn_sent]

Karen - love the pic !
There are a number of calls listed on my cell bill and the descritpion reads 'incoming' only. Ive learned from this site not to pick up 'restricted' or 'unavailable' calls.
The cell rep I spoke to this a.m. wasnt very helpful!

[Bossy4455]

It just says incoming-with no number listed? There should be a record of the calls somewhere, I would think.

What you can do is, from this point forward, get a notebook,everytime someojne calls, jot down the number, time, date,etc, and any message they put.

I document everything. If I talk with the CA, I take notes,names, etc. One time this one from LVNV was getting really snotty and I said, hold on a sec, I can't write that fast--she got off track and ended the call :lol: karen

do anyone know about if you go through a debt manag program and the creditor accepts payment and then a week later says the accounts in legal status

[hvn_sent]

Thanks Karen. Great advice. I tried the cell phone company again & the rep I got this time was worse then the last !

is it to late to send debt verification letter

[Bossy4455]

If you have been paying, or sent payment, I don't think a DV letter will do much good.

When you say in legal status, what exactly are you talking about- a lawsuit?

I would contact your dmp and find out what is going on and get some answers...good luck..karen

thanks to response, this happened in 2005 sears said they turned the account over to resurgentcapital in april of 2005 i went to dmp sep 2005 sear accepted a payment through the program and seven days later said it was in legal status. in sept i received a letter from an attorneys office saying they suing on lvnv behalf. any help of what can i do,court is in feb2008

[Bossy4455]

I'm kinda confused-doesn't take much- is your account in collections or has it been sold to Resurgent?

Have you received a summons yet? If, and when you do, respond to it in the time allowed, maybe stating that they accepted a payment in the dmp program. Hopefully you have paperwork that will prove this.

Somtimes they will say that they "may" have to take legal action to scare you, other times ,they actually have sued. Look up any and all papaerwork on Sears,LVNV, etc., in caser it comes to that

Good Luck..karen

First off, major props guys, really great forum and even better thread.
Here is the scoop. Been getting debt letters for over a year now. LVNV says the bought it from Sears. I've never done business with Sears, it is not my account, never was. So I don’t have the same issues many others have about account age and reactivation and such. It just simply is not me who owes this debt. They sent me a direct letter and I sent them a DV. Nothing. Then I get a letter for the same account from a different company. Pretty standard from what I read here. So I send them a DV. Nothing. Two months and I get yet another letter, different company, same account. Lather, rinse, repeat. This just keeps happening, couple of months go by and I get another company knocking at my mailbox. Never any calls, just mail. I always send the DV and nothing happens. Is there any way to get them stop passing this thing around? Will it follow me for the rest of my life?
On another note. My better half and I are looking into our first house purchase, yay for us. So I figure I'll check my credit report make sure everything is hunky dory. Experian - perfect. Equifax - perfect. TransUnion – negative mark. There is an account placed for collections from… can you guess? LVNV! So I sent them another DV letter with some added oomph with words like “remove this from here or I sue”, “report this to the others and I sue”. I checked all three credit reports when I got my first collection letter over a year ago and nothing was on there. This was done some time in the interim. Is it legal to report debt if they haven’t verified it?
I also called TransUnion to start a dispute. I didn’t get any confirmation of that of I’m going to send a written one in by CM. I am really curious because it was only reported to TransUnion and they are the ones who have the least amount of my personal information on there, such as previous addresses, phone number, middle names, etc. Do the CBs refuse creditors if they get the wrong person? This is all extremely shady. On the bright side they aren’t harassing me by phone… I wonder why?
I would really appreciate any insight anyone may have. Keep up the good work, and keep your hopes up.

[Bossy4455]

Rolo-congrats on wanting to get a home!!

As far as LVNV, they have sooooo many dbas, they pass it around and around.

I don't see why you can't write them a cease and desist letter stating that this isn't you, never was you and they have never validated to prove that, and if they continue to harass you, you may consider legal action.I would like to see them take you to court-what in the world could they prove? Also, keep copies of all correspodence, send it certified return receipt.

Not sure about the Credit bureau, if it's not your debt, can't it be disputed? Like I say-not to sure about that, but someone will come along and answer you!!..karen

WHAT IN THE HELL IS LVNV BECAUSE IT'S ON MY REPORT AS WELL AND I JUST TURNED 18. HOW DO I HAVE CREDIT?