Hi there. I received a letter from Bowman & Heintz stating that an old Midland collection had been referred to them. I asked for validation of the debt and they say that it is from an old account with Providian with a last pay date of 11/2002 so it is within the SOL. I would like to try & settle this account. Should I contact Providian who is now WAMU, or Midland, or Bowman & Heintz? Or is it too late? Any ideas how I would format the request? Thanks so much for any help. Reason for Editing (Minimum 15 Characters)
Asked on 5:27 am May 19th 2011
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anyone? Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
Anonymous
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i know this thread is 3 years old, but I'm going through the exact same thing, so I HOPE I can get a good answer here. Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
Anonymous
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thanks for responding. the DOFD was only about a year ago, DOLA 1.5 yrs ago, so it's definitely within the SOL. Haven't checked the CR. If midland's on there, is that who I should pay, or should I pay the the law firm? Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
Anonymous
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If they cannot validate the debt before the SOL expires, which chances are since the debt is so old, you cannot be sued for the balance. If you feel guilty about not paying it back after the SOL, donate the balance to a charity. Better than going into the pockets of greedy lawyers. Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
Anonymous
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ok, so...........who to contact to settle? The attorney? The original creditor? Or the collection agency? Which one?? Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
Anonymous
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Can anyone give me a format for a "DV letter"? Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
Anonymous
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Did you send them a debt validation (DV) letter? If you already have, they can't sue you till they validate the debt. If you have not, send one now, certified mail, return receipt requested (CMRRR) and it will buy you some time. Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
Anonymous
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sol on a bad check Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
Anonymous
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Did they send you Validation or just tell you about the account? I would send Bowman & Heintz a DV request by certified return receipt Mail. You always want proof in writing before you proceed with anything. Also have you checked your credit report to see if it is being reported? Never try to teach a pig to sing. It wastes your time, and it annoys the pig.”
Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
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I don't think that that counts as validation. They would have to provide a copy of your contract or copies of bills. Not just a statment on thier letter head. You need to send out a DV letter and I'm someone can give a copy of one that you can use. Never try to teach a pig to sing. It wastes your time, and it annoys the pig.”
Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
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