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Another LVNV question

Date: Fri, 09/18/2009 - 15:33

Submitted by mr.cali
on Fri, 09/18/2009 - 15:33

Posts: 51 Credits: [Donate]

Total Replies: 10


I pulled my credit report and noticed there is an entry from them. I had not received any type of notification from them prior to them placing it on my credit report back in June. I called and spoke with a debt lawyer through my employers Employee Assistance Program and told him that I was working on cleaning up my credit as I was now working and start contacting my creditors to setup payments with them. I explained that I had already paided off one collection agency and was working on Leading Edge but that there was the addition of LVNV but they hadn't contacted me in any way. He said to not worry about it as they had made no effort to contact me. The last date of activity on the HSBC account was recent, 6/08 which was when I got laid off. I did receive a phone call from a lady Monday, I couldn't understand her name, and asked that I call on a very important matter. I looked up the phone number on the net and it belonged to Assest Capital Management. As I knew I was handling all of my past due accounts except for the LVNV account, I called and was told that they were working for LVNV funding to collect the HSBC debt and how would I like to take care of this. I explained that I did not know her company name and would check my credit report.
4 days later, Friday I receive a letter from Assest Capital Management stating that they are collecting for LVNV, Re: Resurgent and that I should send them a check for 1305.00
I know by reading this great site, that you request Validation first before speaking to or dealing with CA's. She has since called 3 times requesting that I contact her. I have not answered the phone.
My question is, once I request a Debt Validation from Assest Captial Management, should I also request Validation from LVNV Funding as they added their entry on my credit report or just DV Assest Capital?
I live in Ca. and know that the SOL is 4 years. I do plan on paying someone for this debt as I know I had a CC with HSBC but I just want to make sure the right people get paid.


You must send the DV letter to the CA who has contacted you. LVNV is a junk debt buyer and often sells these accounts further to other collection agencies. Most possibly they wouldn't have the proper documents to validate the debt.

Check the following thread. Hope you'd get some useful information in it.

http://www.debtconsolidationcare.com/collection-agencies/resurgentcapital-lvnv.html


lrhall41

Submitted by SC on Sun, 09/20/2009 - 22:34

( Posts: 3937 | Credits: )


Hi all,
I still haven't heard back from LVNV Funding but today I received a 3 calls from 866-890-1644 all within a hours time. I am at work so was unable to take the calls but after looking up the phone number, it appears to belong to a Richard J. Boudreau & Associates. As this is the only debt that I haven't started settling with, I can only assume it is why they are calling me. They have not left a message not have they called again since the last call in the morning.
Any advice on if I should answer the phone and talk to them or wait until I receive something from them in the mail. Has anyone had any luck when they have spoken with them? From what I have seen in this forum and on the internet, they are vicious collectors. All I want is for someone to validate the debt so I can start paying. Seems like that is too much to ask of LVNV Funding.
Any help is appreciated.


lrhall41

Submitted by mr.cali on Thu, 12/17/2009 - 14:32

( Posts: 51 | Credits: )


It is and it isn't Richard J. Boudreau & associates. What these attorneys are doing in Massachusetts are opening up debt collection companies as a loophole around state law. Who you are dealing with is ALL-PRO FINANCIAL 8, LLC, a company noone will ever hear of or from and you will never get it out of them.

When you get calls from the law firm and do not talk to an attorney but talk to a debt collector, you are talking to All-pro Financial. Just so you know, there is nothing you can do about it sucks, I know.

All Pro financial:

http://corp.sec.state.ma.us/corp/corpsearch/CorpSearchSummary.asp?ReadFromDB=True&UpdateAllowed=&FEIN=201655269

Richard J Boudreau & Associates:

http://corp.sec.state.ma.us/corp/corpsearch/CorpSearchSummary.asp?ReadFromDB=True&UpdateAllowed=&FEIN=043550716

They love to sue from what I hear and have seen so be very careful. If they do call again, ask what they want. When they are done talking do not answer them and tell them they have 5 days to send you something in writing and hang up, simple as that. Once they send you something in writing, dispute it with a debt validation letter.


lrhall41

Submitted by on Thu, 12/17/2009 - 15:04

( Posts: | Credits: )


I received another call today and was able to take it. It was from the Law Offices of Richard J Boudreau and they wanted to know how I planed on taking care of my debt with HSBC. I told him that I didn't know who they were and why would they be calling me. He said that he was collecting for LVNV Funding and asked if I would like a settlement or to setup payment arrangements. I said that until the debt was validated, I did not know if it was mine. I told him that after it has been validated, I would go from there. He asked if I had received their letter and I told him that I had not. He acted suprised and said that they would get that in the mail today. So I will see what is their next step once I receive the letter.
Do you think once I request validation that they will transfer it back to LVNV Funding?


lrhall41

Submitted by mr.cali on Mon, 12/28/2009 - 11:20

( Posts: 51 | Credits: )


Hi all,

I have sent off the latest validation letter to Richard J. Boudreau and Assoc. and am currently waiting for them to validate the alleged debt that I owe.
I went to my bank on Saturday to get a secured credit card and found out yesterday that I was declined. I've never heard of that before and neither had the Branch Manager but that is a different story.

My question for you all is, should I continue this game with LVNV Funding until the end or would I be better off contacting a Consumer Law Attorney? The one that I spoke to before, said that he only takes cases where they had incorrectly placed a collections on their report or had blantantly violated the FDCPA, which as far as I am aware, they haven't in my case. I don't have extra money laying around to pay for the lawyer but if I can get them to validate and reach a settlement, at least then I would sleep better at night.

I was able to get a car loan with my credit score the way it is (around 579) and ran the report today for Experian and didn't see anything new added to the report that would have validated not getting approved for a secure credit card.
Any advise or assistance would be appreciated.
Thanks


lrhall41

Submitted by mr.cali on Thu, 01/14/2010 - 15:24

( Posts: 51 | Credits: )


Back in January I sent off a Dv letter to Richard J. Boudreau and Assoc. and still haven't heard anything from them. Is there a time limit that they have to respond? They have not entered anything on my credit report, just LVNV Funding.
Early last month I disputed the way the OC reported the debt with Experian and also disputed the entry by LVNV Funding saying that the account was open, revolving and terms of 1 month. I recevied a reply back from the CRA and they deleted the OC listing but said they verified the listing with LVNV. How is that possible ???
Should I just bite the bullet and deal with LVNV Funding with the little validation letter that they send out "Your name, account # and amount" to get this thing over with or do you think there might be a Consumer Attorney that might take the case? this is my last unpaid debt and I have would like to get this take care of and start rebuilding my credit.
I know I didn't get into this mess overnight and won't get out either but if I had someone that could look over my credit report and see how things are listed, maybe I could then start cleaning it up.
I sent out a letter today for a pay for delete for a medical bill and waiting to see if it works. If so, I will send another one for a different amount to see if they will remove them. they are all smae amounts, nothing over 75.00 but sure would be nice to get them off there.
Any advise?


lrhall41

Submitted by mr.cali on Fri, 02/05/2010 - 16:18

( Posts: 51 | Credits: )


Quote:

Originally Posted by mr.cali
Back in January I sent off a Dv letter to Richard J. Boudreau and Assoc. and still haven't heard anything from them. Is there a time limit that they have to respond? They have not entered anything on my credit report, just LVNV Funding.


Not in the FDCPA. I just skimmed over Califoria's Rosenthal Act, and didn't find anything there, either. FDCPA just says that, until they send you validation, they are not to engage in 'continued collection activity.' FWIW, reporting to a CRA is 'continued collection activity.'

Quote:
Originally Posted by mr.cali
Early last month I disputed the way the OC reported the debt with Experian and also disputed the entry by LVNV Funding saying that the account was open, revolving and terms of 1 month. I recevied a reply back from the CRA and they deleted the OC listing but said they verified the listing with LVNV. How is that possible ???


I'd say that you have the CRA dead to rights on at least one FCRA violation. Those are $2,500 a pop, BTW. LVNV is a junk debt buyer, as we all know. They do not extend credit. Send the CRA another letter (cmrrr), demanding to know the method of validation for that account. If it comes back that LVNV was the source, send them an ITS letter.

Quote:
Originally Posted by mr.cali
Should I just bite the bullet and deal with LVNV Funding with the little validation letter that they send out "Your name, account # and amount" to get this thing over with or do you think there might be a Consumer Attorney that might take the case? this is my last unpaid debt and I have would like to get this take care of and start rebuilding my credit.


You and I both know that's not validation. It barely qualifies as a dunning letter. You might find a consumer attorney willing to take the case on contingency. Or you could just hire one. Or you could fix this yourself. Shouldn't take more than another couple of letters.


lrhall41

Submitted by unclewulf on Fri, 02/05/2010 - 16:55

( Posts: 3172 | Credits: )


Thanks for all the info. As of right now, LVNV isn't pursuing anything and it is appearing on my Experian report as being disputed but I think what I need to do is go to someone that has more expericence with looking at credit reports and let me know what is being reported incorrectly, inaccurately, etc. and then start writting the letters.
I will let you know what happens .


lrhall41

Submitted by mr.cali on Mon, 02/08/2010 - 11:30

( Posts: 51 | Credits: )