National Enterprise COLLECTIONS OHIO Debt Validation

Date: Sat, 11/22/2008 - 15:48

Submitted by britneyspears99999
on Sat, 11/22/2008 - 15:48

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Total Replies: 1

I have had a Bank Of America credit card account( $5500.00) turned over to this collection agency. It was placed with them at the beginning of November. I sent a DV Letter to them certified mail with a request for a paper receipt. I decided to do this after researching a ton on this site and how to manage and pay off my debts. I live in Ohio and have read that this company is one of the worst to deal with. The first time I actually picked up the phone with them the first words out of their mouth were. We are calling to get your attorney's name or will you be representing yourself? I said what are you talking about and hung up. My questions are has anyone ever been sued by this CA? How likely are they to validate my debt? I cannot seem to locate any info on these topics.
What do they have to provide to count as an actual debt validation?
What is the certified letter is returned or refused?
If they validate the debt what is my next step? I am so worried as I simply do not trust this company!

I want to pay this but am too afraid and worried about dealing with these horrible people- especially after what I have read. I am so close to settling most of my debt but this one is the biggest! Any advise would be appreciated!!!!

NES Wants my Bank Account Info

I don't have a solution for you, but my cc account from BOA was justturned over to NES. I called them a few days after realizing it was turned over to collections and they didn't even have me in their system yet. I hope they didn't trick me into giving them more info then I needed to give. I ended up giving them my ssn to look up the account. They told me it might take a few days to show up. The representative I spoke to called me about 1 hour later stating I was in their system.

To make a long story short I verbally agreed to make 3 payments to pay off the amount owed, about $3800. The rep also told me that BOA would agreed to report a Paid in Full amount on my credit and that she would send me a letter with the agreement. She started to ask me for my account information to debt each month on the agreed date til PIF. I was uncomfortable about giving my bank info so I told her I would call her back with the info.

I don't know what to do either!! I want to pay off the debt, but based on what I have been reading, it may do me more harm then good. Based on my research, they are probably lying about reporting Paid in Full on my credit, since they are a third party. I don't want to send them anything without it being in writing. Fortunately I called them and the rep was very nice, almost too nice.

I don't know if I should just try to pay it in full ASAP or leave it alone and let in fall off, in 7 years! I want to pay it, I just don't want to be screwed with. Oh, and they are my biggest debt also, except for my student loan. It just went to collections, so it seems I should pay it now in full and assume it will read on my credit report...Charge Off- paid in full, which is just as bad. My credit is already bad, I'm trying to make it a little better over time, not worse.

I'm sooo confused! I could use advice also.

lrhall41

Submitted by on Mon, 12/08/2008 - 15:59

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