northland group CA
Date: Thu, 08/12/2010 - 17:49
i got a letter from Northland Group Inc.
"Erin Capital Management, the creditor of your account, has assigned the above referenced account to Northland Group, Inc. for collection. Our client is willing to reduce your balance by offering you a settlement. We are not obligated to renew this offer. Upon receipt and clearance of $2,689.80, you account will be satisfied and closed and a settlement letter will be issued. This offer does not affect your rights set forth below.
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor if different from the current creditor.
Sincerely,
Northland Group, Inc."
it also says that it's regarding: Providian and account owner is: Erin Capital Management
so one of their agents called me and said that they want to settle. i didn't admit anything to what they said was true. they also said that my last payment was on 2005 and that was my last activity.
what should i do? i live in California, and i don't know which kind of SOL this falls under. should i write them a letter asking for a debt verification and proof? Or should i settle? since i'm getting married soon, i don't think i'll have the money to pay that much anytime soon.
thanks!
"Erin Capital Management, the creditor of your account, has assigned the above referenced account to Northland Group, Inc. for collection. Our client is willing to reduce your balance by offering you a settlement. We are not obligated to renew this offer. Upon receipt and clearance of $2,689.80, you account will be satisfied and closed and a settlement letter will be issued. This offer does not affect your rights set forth below.
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor if different from the current creditor.
Sincerely,
Northland Group, Inc."
it also says that it's regarding: Providian and account owner is: Erin Capital Management
so one of their agents called me and said that they want to settle. i didn't admit anything to what they said was true. they also said that my last payment was on 2005 and that was my last activity.
what should i do? i live in California, and i don't know which kind of SOL this falls under. should i write them a letter asking for a debt verification and proof? Or should i settle? since i'm getting married soon, i don't think i'll have the money to pay that much anytime soon.
thanks!
If your date of last activity was 2005 this is out of SOL...Cali
If your date of last activity was 2005 this is out of SOL...California is 4 years. Send them an FOAD letter, tell them to never contact you again and pound sand!!!
lol.. i'll just send them a regular DV letter. also just curiou
lol.. i'll just send them a regular DV letter.
also just curious, does it matter in any way that providian is no longer around?
Quote:Originally Posted by Anonymouslol.. i'll just send them a
Quote:
Originally Posted by Anonymous lol.. i'll just send them a regular DV letter. also just curious, does it matter in any way that providian is no longer around? |
not really,they are attempting to collect on a time-barred debt,and trying strongarm tactics.i would point out in your DV letter that this debt is past SOL.i personally would do as SOAPLADY advised.a total C&D,or FOAD letter.
