They just dont give up!!

Karen, do you remember when the last payment was done? Also, is this account still reported in your credit copy?

Howard, the last payment made to Sears was 12-05, LVNV bought it 1-06. We were really stupid to pay Sears all those years, fees, interest and min. payments!!I cringe when I think about how much we actually have paid all these years!..Karen Haven't checked cr lately, last time was reported,charged off, LVNv bought it, or something to that effect..

Surely, you'll have to get the debt validated from this attorney before making further payments. What I think is you must calculate the total payments done all these years. That way, you will be able to propose a settlement on the outstanding balance.

Karen, I agree with Howard. You should be able to get some sort of settlement with them and finally get them off your back. The best of luck to you.

Bossy, I'm right with you on the Sears thing.I used to post here under guest from time to time ( not the bad talking guests )You might remember me posting about my dealing with LVNV,and how they took me to court.

Well I DVd the attourney about 4 months ago also and still nothing.Only 3 court hearings later and just the big run around.Even after it was dismissed they still call daily.Iguess they figure since it was dismissed without prejudice they can still hold that over my head.

Actually, I probably only charged maybe 2-3 thousand on it starting in 1982, made payments all these years, haven't charged in 13= years, so, don't have any idea, except, I have probably overpaid for these things at least twice over. Tried to work payment or settlement, they wanted 3 thousand, over double what my balance was with Sears..Karen

Hi Karen,

Okay, go ahead and send the dv letter to the attorney's office. Don't let that get you frustrated or scared because it is an attorney's office. They have to follow the fdcpa rules just like everyone else. I would also dispute the amount, well you know that drill. Also, what are the collection laws in your state? This might be beneficial to find out if they can actually charge all this additional interest.

Those guys are crap. I'll bet the stupid bill isn't even valid!

Thanks guys! You would think after a year, they would give up, especially when they know I'll just send another DV letter!! They are now calling about 8 times a day, I just don't answer and delete them! I've tried talking to several before, and all they do is scream and tell me how I'm not responsible, and what would my husband think if he knew I was doing this :lol: I had a good laugh on that one, told them they didn't even want to know what my husband said about them!!..Karen

I have the same thing going on with Weltman, Weinberg and Reese. I had a Sears account ages ago. Everytime I send a DV letter, I never hear from the collection agency and it shows up at another agency a few months later, with more fees added on! Now I'm to the point that there is no way I am going to pay that amount. Even if the debt is a valid one. I wold like to pay this old debt, but now I'm to the point where I don't feel I should. I've paid so much on it in the past.

III am also having trouble with them. I am on Social security, having a guardian handle the money. They keep bothering me with court papers and calls. How do I stop them and will they seize my guardian's bank account, I have my name and his which he takes care of for me. Please help. I am getting sick of this.

hang on a minute Karen--

When LVNV first contacted you, did you send THEM a DV letter? And are they still showing as the owner of the debt? If so, then you can file suit against THEM for continued collection activity in the face of an unanswered dispute/DV request. Think about it--if it shows on paper that they still own it, and you DV'ed them in a timely fashion back then, then they were obligated under the law NOT to take any more collection activity against you until they validated, right? Well, luckily for you, when they "hire" one of their affiliated CA's to collect the debt, that is collection activity, is it not?

Please tell me that you can still prove on paper that you sent the original DV, when it was sent, and all that.....