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Law office sent me a letter

Date: Sun, 01/29/2006 - 19:35

Submitted by TMD
on Sun, 01/29/2006 - 19:35

Posts: 280 Credits: [Donate]

Total Replies: 7


I got a letter today from a law office-Weltman, Weinberg, and Reis Co. L.P.A....says they are trying to collect on an account for LVNV Funding Inc, which I have never heard of. I am going to send a validation letter out tomorrow because it has no info on the original creditor or anything. I am also going to include a note to correspond with me only by mail, and to not call me....is that a good idea, or will they immediately retaliate and sue me since they can't call and harrass me? Has anyone heard of this LVNV funding,and shouldn't I have heard from them first, instead of an attorney? Any info on this company or these attornies would be great. Thanks.


Hi TMD, I can't give you any info on LVNV funding but I can tell you that you are fine in sending a 'do not call' letter. Just make it perfectly clear that you are not cutting off all correspondence with them-Just the phone calls-and request written correspondence ONLY. NO PHONE CALLS to your home or job and you would appreciate their co-operation in this matter. I have sent out several. THe ones that are really interested in working with me, respect my wishes and still respond but in written form. It doesn't stop them from writing if you make it clear that they can still do so. But make it clear that you will no longer accept phone calls. Hope I've helped. :D Shirley


lrhall41

Submitted by imkimssister on Sun, 01/29/2006 - 20:59

( Posts: 1301 | Credits: )


LVNV is a junk debt buyer.They buy old debts that may or may not be past the date, SOL.They are known for Re-aging Accounts: Junk debt buyers attempt to force settlement on "time barred" or "Expired Statute of Limitations" accounts. The actual date that the debt becomes delinquent is supposed to be reported to credit reporting agencies under FCRA/FACTA within 90 days of the delinquency.If you admit to the debt,or send any payment the SOL will start over again,and they can take you to court.You are doing the right thing buy sending a validation letter.If the debt is past the SOL you may not hear from them again.


lrhall41

Submitted by twokidtwocat on Sun, 01/29/2006 - 21:04

( Posts: 602 | Credits: )


Adding more information of LVNV Funding, here is a thread that you will like to view for better understanding on the company.

http://forums.debtcc.com/forums/lvnvfunding.html

Quote:

or will they immediately retaliate and sue me since they can't call and harass me


In your C&D letter, since you are leaving the option to be contacted by mail, the mode of contact is not getting blocked. They can still correspond with you if they need to. And after requesting for debt validation, the company has to provide you the complete details in accurate shape. You can legally refuse to pay the debt till it's properly presented before you. Also, the company cannot hit any further negative remark during this investigation period.

Having yourself in the safer side, you can take legal actions if the company tries to call you over the phone after receiving your cease and desist letter. The company is restricted from calling you in legal terms and a violation done will give rise to legal actions. Make sure that you send your letter through certified mail with return receipt requested. You will get sure that the company has received your letter after signing the green slip.


lrhall41

Submitted by david on Mon, 01/30/2006 - 07:14

( Posts: 1229 | Credits: )


if you have an attorney, you can also tell them to contact him/her and if they contact you after being told that, they will be violating the fdcpa.


lrhall41

Submitted by jj on Mon, 01/30/2006 - 07:44

( Posts: 1057 | Credits: )


Thanks for the info everyone. I will send out the letter today. I looked up this attorney's office on FindLaw.com, and they have offices all over the place, like 10-15 different addresses on them. The one I got a letter from was on Ohio.

Last time I got a letter from an attorney's office regarding an account, they ended up sending it to a CA after a couple of months, which I thought was kinda odd. Guess maybe they were not licensed to collect the debt...not really sure.

I don't know what this one is for though, and it makes me wonder why these attorney's would be so unprofessional that they do not even put in their letter what the debt is for. Very strange. Thanks.


lrhall41

Submitted by TMD on Mon, 01/30/2006 - 07:59

( Posts: 280 | Credits: )


As you have the legal rights to refuse payment till the debt is not properly presented by the company, make sure that you state every point required in the debt validation.

Though, the company will not mention details of every point requested by you, but it should clearly state the details about which creditor they are collecting for. Based on the info given to you, you will understand the history of the debt and the creditors and make payment arrangements for it.


lrhall41

Submitted by john on Mon, 01/30/2006 - 08:15

( Posts: 1231 | Credits: )