HELP QUICK! LVNV Funding and Gurstal, Staloch and Chargo

Date: Thu, 08/20/2009 - 06:37

Submitted by 1mommyof2
on Thu, 08/20/2009 - 06:37

Posts: 8 Credits: [Donate]

Total Replies: 3

Heres the deal I have an account that has gone to LVNV funding, I know they are bottom feeders. They have sent this account to attourneys Gurstal, Staloch and Chargo. I called them tried to work out payments with them ( I did NOT validate!) Trying to avoid a lawsuit. Anyway balance is $1000. I wanted to pay $50 a month they said no, they offered me $94 a month for 12 months. BUT they want me to give them my banking info for auto-pay, they say its a condition of LVNV, thats my first problem. I didn't give them my info I told them I wanted it in writing I was paying $94 a month, well what they sent me was a confession of judgement, no way I'm signing that unless they give me a better deal, take money off, or lower payments, something. And I'm still not hot on the auto pay thing I should be able to just send in the money, I don't know what do you guys think I should do, I only have until tomorrow. Guy I'm working with "claims" LVNV has authorized them to move forward with a lawsuit, and tomorrow is the day I gave them that I wanted to make payments on monthly. Help, please ASAP!! Thanks!!!!

Any help?? Should I fire them off a dv letter or is it too late

Any help?? Should I fire them off a dv letter or is it too late for that??

lrhall41

Submitted by 1mommyof2 on Thu, 08/20/2009 - 09:04

( Posts: 8 | Credits: )

How long has the account been w/the law firm? I had an account

How long has the account been w/the law firm? I had an account that was turned over that same firm (for a little over $2k), and they had their internal collection department trying to collect for several months before it escalated.

lrhall41

Submitted by on Thu, 08/20/2009 - 17:29

( Posts: | Credits: )

Did you receive a dunning letter? They are required to send you

Did you receive a dunning letter? They are required to send you one within 5 days of initial contact. It spells out your right to dispute the debt. If they did not send it, then they have violated the FDCPA. If they did send it to you, you only have 30 days to send the dv letter, or they can ignore it. It is assumed that if you do not send the letter within the 30 days, you accept the debt is valid. If you still have the option of a dv, then I would. They have to cease collection activity until they validate the debt. If they don't then that is a violation of the FDCPA. If you are beyond the 30 day period, then you need to work out the payment arrangement. Do not give them your banking information unless you have a written agreement on their letterhead. If you have an agreement, and they take money earlier than scheduled, or a different amount, then that is another violation.

lrhall41

Submitted by southernapostolic on Thu, 08/20/2009 - 19:01

( Posts: 302 | Credits: )