Pre Legal Credit Solutions/Lewis Luxenberg & Associates

How long ago did they contact you? You should receive a letter of collection in the mail. I would start with sending a validation of debt request to the company. There are samples on this site you can use as a template.

They contacted me a week or so back and have sent me a collection letter, it does NOT tell me that I have the right to validate/dispute the debt within 30 days of receiving the letter, just to pay the settlement, and that their client reserves the right to resolve the matter in Civil Court if I don't.

Should I send them the Debt Validation Letter?

Thanks.

Seriously? It doesn't say anywhere on the letter that you have 30 days to dispute the validity of the debt? That is WAY wrong. I'd hang on to that. Yes, send them a DV. Send it certified and request a return receipt.

Thanks, in addition I have checked my Credit Report and the account they are referring to is shown as "Charge off" but has NOT been Transfered or Sold, or shown as in Collections.

Am I right in thinking that these guys are not authorized to collect on this account?

Not necessarily. I'd call your original creditor. If they've sent it elsewhere, they'll tell you who should be collecting on it.

Thanks for all the help, I really appreciate it!

I would like to know if anyone has any info on this company or a positive outcome. I am in a similar situation with the same company and setup payment arrangements. They said if a check is to bounce there will be a wArrant for my arrest. Doesn't sound legit to me.