Account Receivables giving me the last day to pay off

That number is for Accounts Receivable Management. As far as I know they don't collect on payday loans, we have them collecting on credit cards with very small amounts. First Premier and a Household Bank card one I think.

After placing the initial communication, the collection agency is required to send the details of the debt in writing within 5 business days. If you do not receive anything in the mail, you can send a debt validation letter to them requesting for the account details. Review each of the items properly as these often contain a lot of mistakes. After reviewing, make payment arrangements and pay off the debt.

Have your agreement in writing from the CA. Send your letters certified and keep them documented in a file for records. After the debt is paid in full, the CA will send your accounts back to the original creditor and they will update your file with the bureaus. You can insist them to send this remark in writing for making things more reliable.

I know what this is now. It's for a lane Bryant credit card I believe. I just received my first notice last week. They haven't had the account 2-3 weeks.

The CA must itemize all the details about the account in perfect manner. You must be assured that the details given to you are correct by all means. If there is any thing that gets some doubt, dispute on the item. The information must be verified with the original creditor before attempting further collections.