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A Credit That I Never Own In My Life And Never Heard Of Them

Date: Sun, 03/19/2006 - 12:56

Submitted by anonymous
on Sun, 03/19/2006 - 12:56

Posts: 202330 Credits: [Donate]

Total Replies: 5


After Coming Back From A Week Vacation What Is The Worst Thing That You Get In The Mail A Collection Notice From Law Office Of Mitchell N. Kay From New York They Claim That I Owe Majestic Visa 304.17 And In The Past I Have Own 3 Credit Card And None Of Them Are With Jefferson Capital And I Also Have Been Trying To Tell These People That I Never Had A Credit Card And They Proceed To Keep Hounding For Money And Know They Refer My To This Law Office And I Ws Told To Get A Credit Report And I Have Disputed This Samething With Jefferson Capital And I Have Not Gotten No Where With Them And Know I Have Bad Credit Because Of This All That I Know That I Refuse To Pay For This Credit Card That They Claim That I Had.


Hi David!!! Heres what you should do. Send them out a validation letter ASAP. so they can show you proof of why they're saying its yours. send the letter certified return receipt and hang on to it for your records. Also add in a cease and desist, if you don't want them calling your home. Tell them to do not call but written correspondence ONLY.


lrhall41

Submitted by imkimssister on Sun, 03/19/2006 - 13:19

( Posts: 1301 | Credits: )


Hi David, I got your PM and wanted to get back to you. since it is from the Law Office Of Mitchell N. Kay, you will need to send the validation request letter to them. I received something in the mail from them as well---asked them for validation--never got an answer and the debt never went on my credit report since they couldn't validate--this is why its important for you to go ahead and do this. Anyways, they have a reputation of not being on the up and up--and thats putting it mildly. They buy alot of OLD debts that are out of SOL and junk debts. so probably when you ask them for validation, you won't hear from them again. I haven't. hope this has helped.


lrhall41

Submitted by imkimssister on Sun, 03/19/2006 - 15:45

( Posts: 1301 | Credits: )


If I am not wrong this account is going behind you from the original creditor. Are you sure someone else did not open the account with your info? In that case you have to be more careful and take up the ID theft precautionary steps.

And if the account is appearing in your credit report, you can dispute it with credit bureaus also. Keep us posted.


lrhall41

Submitted by stanley on Mon, 03/20/2006 - 11:38

( Posts: 1639 | Credits: )