After recently receiving a collections notice from Capt Mgmt for a debt claim from a closed Discover card acct from 2000, I checked my credit report. The report shows no sign of outstanding debt or delinquency.

Do I need to respond to this claim?

Will they stop contacting me at some point?

[NASCAR_Devil]

What state do you live in? If the account went delinquent in 2000, then it is past the federal reporting period of 7.5 years but w/o knowing your state, it may still be w/in SOL. DV Capital w/in 30 days of recieving their dunning letter. If it is past SOL then I would send them a FOAD.

I WOULD LIKE TO KNOW IF ANYONE HAS THE PHONE NUMBER TO LVNV FUNDING IN GREENVILLE SC

recieved a letter regarding account that was known closed. the phone number is only for fishing. there is never anyone to get ahold of. put in a complaint with better business bureau. don't contact them with any information!

Went to the bank today to take out a loan - I need to clear up a $61 balance with them before the bank will issue the loan. Under "date open" on my report it says "11-2008" and "date reviewed" as 03-2009". I have NO clue what this LVNV Funding balance is for, but I have to get this cleared up fast as I already have a down payment and a purchase order in for a new RV. Should I just pay the $61 or will this potentially invite other problems? I have read on some forums where people say it will.

HELP!!

summons to court 30 days to answer answered did not live in that county . So there was a request for change of venue in court in front of Judge should I call now before the new paper work is served and ask for a chance to offer to work out before court

this account show up on my credit report t uion. i have to close on a house in one week i need help. what should i do

I pulled my credit in June of 05 from all 3 CRA's and luckily Equifax reported the date of last activity on Dec 1999 with MCI / which was showing up last month as LVNV Funding. I disputed it with Equifax as being over 7 years old and they actually took it off pretty fast and emailed me validation. However, I still need to dispute LVNV with Trans and Experian. Only problem is my old credit report from June 05 with those do not show my last date of activity. Is it required when one CRA deletes something the others have to follow? Any advice?

[Chrys Henderson]

No, they are separate companies, you have to dispute all 3. It does bolster your case though.

Does anyone goes to jail for any un-paid credit cards?

[mont_tatum]

Listen LVNV Funding is a collection agency, from my own experience you need to first send a validation letter certified mail; then contact the Attorney General in your State. LVNV Funding will NOT validate a debt properly. Do not call them an be very agressive with what you want. If they are doing business improper then they will slip up. Write letter after letter requesting all everything you want. Make sure if you get another collection company whether it says it from an attorney or not you read the fine print.

[NASCAR_Devil]

Actually LVNV is a Junk Debt Buyer. They use Resurgent Capital as their CA along with quite a few others. LVNV does the credit reporting and Resurgent does the collecting.

[mont_tatum]

Listen EVERYONE THAT HAS ASKED ABOUT LVNV FUNDING. There is an attorney by the name of Larry P Smith and Associates. Call them immediately, their information can be found on line. I do not work for them or have any agreement with them. I had excellent service from them and the results were outstanding. LARRY P SMITH

[Chrys Henderson]

Styker,

Does anyone goes to jail for any un-paid credit cards?

No. Not since the 19th century.

Before settling anything always keep track of who you spoke to the date and info discussed. If you plan on settling a debt always keep in mind the collection agency has purchased your account for less than what you owe. So never pay full amount. You account may have been sold 2 or 3 times in which case your account was sold each time for less than what the other companies have paid. Send all letters certified mail to have proof of any attempts on your part to resolve the matter. Save all receipts from Post Office. And send payment by Cashiers check (not from your bank) never tell them your bank establishment. On your cashiers check write at the bottom "cashing of this check constitutes "payment of full" or payment settled. Also send confirmation letters of all conversations with any agreement that was made verbally by phone. Remember they wil most likely take something rather than nothing. For those of you that are going to file bankruptcy make sure you include all credit card companies.

i have lvnv on my credit report for $809.00 on 12-10-08 i never applyed for anything even around this date. can u help me