Collection Account Letter Need Some Advice
Date: Thu, 06/11/2009 - 10:02
I got a letter from a collections company on a Capital One Card.
Leading Edge Recovery sent the letter on the behalf of Galaxy Portfolio Management and it is showing also Creditor: Elite Recovery Acquisitions LLC.
I pulled my credit report, it shows only Elite Recovery company for this account. Also here is the rest of what was on the report. Date open N/A, Date Reported 12/2008, Date of Major Delinquency 05/08.. Date of last payment N/A...Charged off $0, Date Closed does not show anything,
Date of First Delinquency 11/04. Comments Collection account.
Just talked to the AG for NC and was told the sol was 3 years from the date it was turned over to collections.
My question is How can I find out when it was turned over to collections? All of this is new to me and trying to learn as much as possible.
I mailed a DV letter yesterday, now need to find out when it was turned over to collections.
Leading Edge Recovery sent the letter on the behalf of Galaxy Portfolio Management and it is showing also Creditor: Elite Recovery Acquisitions LLC.
I pulled my credit report, it shows only Elite Recovery company for this account. Also here is the rest of what was on the report. Date open N/A, Date Reported 12/2008, Date of Major Delinquency 05/08.. Date of last payment N/A...Charged off $0, Date Closed does not show anything,
Date of First Delinquency 11/04. Comments Collection account.
Just talked to the AG for NC and was told the sol was 3 years from the date it was turned over to collections.
My question is How can I find out when it was turned over to collections? All of this is new to me and trying to learn as much as possible.
I mailed a DV letter yesterday, now need to find out when it was turned over to collections.
If 11/04 is your Date of First Delinquency then figure 30-90 day
If 11/04 is your Date of First Delinquency then figure 30-90 days after that for when it went to collection. SOL actually begins with the date of last payment, not when it went to collections. You are beyond SOL so I wouldn't bother with a DV. Send them a full cease comm. Regardless that it is beyond SOL they can still attempt to collect.
