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LVNV Funding LLC: What to do if you find them on your credit report

Submitted by Htgt123 on Thu, 01/05/2006 - 10:53
Posts: 156
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I noticed on my credit report that there is a company called LVNV Funding LLC for $3195. The address and phone number are PO Box 10584, Greenville SC 29603-0584 and the LVNV Funding LLC phone number listed is 866-464-1183.

When I enter the lvnv funding phone number, (866) 464-1183 on the BBB website, it comes up with a Houston, TX address.

Has anyone dealt with this company? Have you heard of lvnv funding complaints?

Thanks


Call the bureau and confirm address of LVNV funding if you are in a fix. Do you owe anything to this company? If so, write a letter about settling this account. The stay of this account in your CR is hurting your credit rating.


Submitted by david on Thu, 01/05/2006 - 14:17

david

( Posts: 1229 | Credits: )


I know lvnv funding account is hurting my credit report. That is why I am asking anyone if they know about this company, because I have not heard of them. I just wanted some insite about the company. They only show up on one credit report.


Submitted by Htgt123 on Fri, 01/06/2006 - 07:43

Htgt123

( Posts: 156 | Credits: )


If there is no legitimate reason for LVNV Funding LLC to stay in your credit report, then you should place a dispute with them and get the account removed from your file. Here is a letter that you can use to clarify the matter:

Quote:

YOUR NAME
ADDRESS
CITY, STATE, ZIP CODE

CREDITOR NAME
ADDRESS
CITY, STATE, ZIP CODE

Date:

To Whom It May Concern:

My credit rating was negatively affected by your entry to the that showed a past due status of my account with you. Therefore, I request that you submit a statement to that reflects the actual status of my credit report.

Thank you for your attention to this request.

Sincerely,

Your Name
Be sure that you have sent this letter certified with return receipt requested.


Submitted by david on Fri, 01/06/2006 - 12:29

david

( Posts: 1229 | Credits: )


kchriste, be sure to check the statutes before you make any payment towards the account or sign a promissory note. Check the date of last activity and see if it is within the statutes.

Under no circumstances, you will be forced to pay the debt to LVNV funding if it is past the statutes. However, if the stay of this account is too far from the 7 years mark as per the FCRA, paying it off will be improving your scores.


Submitted by david on Tue, 01/24/2006 - 16:34

david

( Posts: 1229 | Credits: )


Really? oh you know what I just looked at it and I gave wrong info, it was only from 2003. LVNV funding LLC recently sent us a letter stating we can pay $20 a month after we called an inquired about it and they said we are to pay it in full and there are no settlments.


Submitted by kchriste on Tue, 01/24/2006 - 17:32

kchriste

( Posts: 27 | Credits: )


If it's a legitimate debt, don't roll it further. Consider paying it off at one single time. It will only improve your credit worthiness. You are already trying hard to improve your ratings. Any constructive steps taken will be helpful to your credit worthiness.


Submitted by john on Tue, 01/24/2006 - 17:36

john

( Posts: 1231 | Credits: )


Does anyone have lvnv funding address so I can send the letter to them


Submitted by on Fri, 01/27/2006 - 06:10

( Posts: 202330 | Credits: )


The address I have for them is listed at the top of this thread. However, here are more details on LVNV FUNDING LLC contact info:

LVNV Funding LLC
P.O.Box 3038
Evansville, IN 47730
Telephone: (886) 861-8182, (866) 464-1183
Fax: (812) 428-3523

LVNV Funding LLC / Resergent
Yahoo Map
9700 Bissonnet, Suite 200
Houston, TX 77036

Resurgent Capital Services LP
LVNV FUNDING )
15 South Main Street Suite 600
Greenville, SC 29601


Submitted by Htgt123 on Fri, 01/27/2006 - 07:41

Htgt123

( Posts: 156 | Credits: )


Jan 28th 06
I JUST got a letter from these people from Henderson NV They do not say what accounts it is in regards to..but it is $5,167.34 Judgement.

I was injured in 02 and could not and still can not pay a couple of bills from prior years..not by choice.
I am on welfare and disability..have no assets..or money to pay..let alone hardly for food!

Living below the poverty level a real nightmare in my life.

I am not well..and can not work etc.

Advise Please


Submitted by on Sat, 01/28/2006 - 16:22

( Posts: 202330 | Credits: )


Elaina, you must visit the office of the local County Clerk and see if there is any legal judgment in your name. Check whether the plaintiff is LVNV Funding LLC Collections.

Normally, in case of a legal judgment, court papers are served 20 days in advance to attend the hearing. Were you served any such court papers? Also, please check the latest copy of your credit report and see if it's shown on there.

Without the legal papers, the judgment won't be considered legal. The company might have framed a letter putting some legal affect in it.

I am very sorry to hear about your situation. You can take some restitution program and see if you can qualify for it.


Submitted by david on Sat, 01/28/2006 - 16:29

david

( Posts: 1229 | Credits: )


I also have this on my credit report. It's probably a sear's account, I'm thinking at this point. Their number from their website is 888.665.0374. I located them by going to lvnvfinding.com Good luck

Link deleted as per forum rules - Vikas


Submitted by on Sun, 01/29/2006 - 12:41

( Posts: 202330 | Credits: )


how can i find out the last day of my activity and if it has been over 7 years since it has been on my credit report? if it has been more than seven years, am i still responsible to pay for it or should i request for it to be taken off?


Submitted by on Thu, 02/02/2006 - 17:57

( Posts: 202330 | Credits: )


LVNV Funding, LLC,
DBA/ Resurgent Capital Services, LP
Dba/ Alegis Group, LLC
Aka/ Sherman Financial Group, LLC
Fka/ Sherman Acquisitions
Aka/Ventus Capital Services

Addresses:
Bank of America Building
200 Meeting St., Suite #206
Charleston, SC 29401-3187

15 South Main Street, #600
Greenville, SC 29601
Phone: 888-665-0374-864-678-8421
Fax: 888-546-7697- 864-370-4998
(Phones ring at Resurgent Capital, Greenville, SC)

Websites:
lvnvfunding.com/
rcap.com/
resurgent.com/

Link made inactive as per forum rules - Vikas


Submitted by on Thu, 02/02/2006 - 18:24

( Posts: 202330 | Credits: )


i got the same thing from my credit report and it has been a year.. so now i got a year of bad credit.. err so mad.. hate this company.. dont even know what it is... they never contact me or even try.. but thanks to all your information..


Submitted by on Thu, 02/02/2006 - 22:07

( Posts: 202330 | Credits: )


Tim vu, send a letter to the company's mailing address and resolve the accounts. If the accounts have been shown incorrectly in your file, they need to remove as it is hurting your credit. Send it in writing and keep a follow up. You must get your debt validated or else explain the bureaus that the accounts are disputed so that they can run an investigation.


Submitted by david on Fri, 02/03/2006 - 10:31

david

( Posts: 1229 | Credits: )


I never had an account with this company...does anyone know who they are? they posted a negative credit on my account


Submitted by on Fri, 02/10/2006 - 15:16

( Posts: 202330 | Credits: )


Artie

LVNV Funding is a collection agency that gets hired by the creditors for some defaulted accounts. It seems that one of your unpaid accounts of the past has been sent to this collection agency for recovering payments.

Send a debt validation letter to LVNV FUNDING LLC asking for the details of the account for which they listed themselves in your file. The company must give you the details of the account for which your past creditor might have hired them. If they send you any details about the account, review it properly before you make a payment agreement.

If you find the item incorrectly shown in the statement, dispute on it. They will get the item verified with your original creditor.


Submitted by curlycarl on Fri, 02/10/2006 - 15:47

curlycarl

( Posts: 616 | Credits: )


From my experience with LVNV, they are a collection agency...but they do not try to do any collecting on their own...they send their accounts to various different CA's and attorneys to collect...yeah another example of a CA collecting for a CA.


Submitted by on Sat, 02/11/2006 - 07:23

( Posts: 202330 | Credits: )


My case is similar to the some of the cases above and on other sites, I got my credit report and it shows a/c seriously past due $ 9491.000 Original
creditor SEARS. I tried to call the above tel no: but the call does not go through and I am not even sure if the address is correct. Can someone help me with the phone no and address so that I can call or send them a letter and resolve this issue and have this removed from my credit report because it is hurting me.My email is

email address removed as per forum rules - Vikas


Submitted by on Mon, 02/13/2006 - 10:17

( Posts: 202330 | Credits: )


I just got my credit report and it just says that I owe $87. I don't even know what it is for. There is no address or phone #. Now I have both and can pay it off. Thank you for the info.


Submitted by on Mon, 02/13/2006 - 11:56

( Posts: 202330 | Credits: )


I am dealing with this same company. Out of the blue I get a notice from them claiming I owe them money from 1991, using my married name, but I didn't even have my married name until '92. There is something very fishy about this company. Have you found out anything more?


Submitted by on Tue, 02/14/2006 - 14:05

( Posts: 202330 | Credits: )


Sandiduff...sounds like your account is out of the SOL period. Check and see what is the date of last activity on that account, if it is back in '91 or '92, it is clearly out of the SOL period. If you pay on it, that will start all over. As of right now, if it is out of the SOL, it can be disputed with the credit bureaus and removed from you report.


Submitted by TMD on Tue, 02/14/2006 - 17:17

TMD

( Posts: 280 | Credits: )


these are junk debt buyers they buy out of date and many times charged off debts for pennys on the dollar. ARI they are bad they are the lowest of the low and will use all kinds of tatics to harrass you.
the first thing you need to do is know the statue of limitations in your state, many times the SOL has expired and they will hope you do not know that.
i recieved a letter form them a few months back about a sprint bill that was over 8 years old stating that they are attempting to collect a debt for LVNV Funding LLC.
The original debt was owed to Sprint.
The letter stating my outstanding debt of 561.46
It says they represent the above client LVNV,
Now it was a long time ago that I had sprint I would guess 8 years.
And I am really not sure that I had ever paid this debt off.
Anyway the letter is giving me three options to pay.

1) Is paying 50% of debt owed
2)three installments equivalent to 70% of total debt owed
3)monthly payments

there are a few options
1)send them via certified mail a debt validation letter this is where they must prove to you with original paperwork that you indeed owe said debt i take no credit for this sample letter as it was takin froma website i had found.
Quote:


September 10, 2005

Your Name
123 Your Street Address
Your City, ST 01234


ABC Collections
123 NotOnYourLife Ave
Chicago, IL

Date

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

I have received your letter where you claim that I owe a debt to you and/or your company. This letter is being sent to you in response to your attached collection letter. This is not a refusal to pay, but a notice that your claim is being disputed by me. I do not recognize your company and I do not believe I owe you or your company this debt.

Under the Fair Debt Collections Practices Act (fdcpa), which I assume you are aware of, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes.

In addition to the questionnaire below, please attach copies of:

?? Agreement with any of your clients that grants you the authority to collect on this alleged debt

?? Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.

?? Any insurance claims been made by any creditor regarding this account

?? Any judgments been obtained by any creditor regarding this account

Best regards,


Your Name

--------------------------------------------

Debt Validation Form

Questionnaire to be returned to me for Account # Original Creditor's Name:

Name of Debtor:

Address of Debtor:

Balance of Account:

Date you acquired this debt:

This Debt was: assigned purchased

Please indicated any credit bureaus to which you have reported negative marks:

Experian ______

Equifax ______

TransUnion_____



2)send them a Cease and Desist based on the expired SOL which i believe applies to the state you are currently living in again i take no credit for this sample letter.

NAME OF COLLECTION AGENCY
123 Fagetaboutit Ave
Chicago, IL 60555

17 April 2022

RE: Account # 1234567890

Dear Sir or Madam:

As per Federal Law (The Fair Debt Collections Practices Act, Section 805) I formally request that you CEASE and DESIST ALL your efforts to collect on the above referenced account and debt.

You are hereby instructed to cease collection efforts immediately in any way, shape or form, this includes phone calls, letters, faxes, third party contacts, internet, calling my place of employment, contacting my friends, neighbors or family members.

If you fail to follow my Federal rights as per the FDCPA I will make sure that you face legal sanctions under applicable Federal and State law.

Do NOT call me, write me, contact my relatives, friends or work place in any way after you receive this letter because that will mean you are violating FDCPA and I will not hesitate to sue you for Federal Law violations which allow me to sue you for $1000 per violation as I'm sure you're already aware.

I will not hesitate to file complaints with the Federal Trade Commission, my and your Attorney General's Office and seek legal action personally if you ignore this letter!

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.

Regards,

the above sample letters were from creditinsiders website.

the above letter is what i sent and have never heard anything back from them.

this is my first post im sorry if i repeated any answers. i just know how i felt when i recieved there letter and had i not reserched it i would have paid them for a charged off out of SOL debt.
you will have to excuse my grammar and puncuation english was not one of my strong suits


Submitted by whtlion on Tue, 02/14/2006 - 21:35

whtlion

( Posts: 10 | Credits: )


whtlion, welcome on the board! You have offered your help to the people right from your first post. This is really great. We all will appreciate you showing active participation here and suggest with valuable ideas.

The debt collectors mainly prey on the innocent people who do not know much about handling their debt related problems. SOL is one of the weakest weapons for the debt collector when people are aware about the laws and the debt goes out of the statutes. It is a must that we should not make any payment without checking the SOL. Sometimes, age old debts do not need to stay in the credit report after 7 years. They also get deleted from the credit report after this period. But a collector suddenly contacts a person with this account and the person pays them in panic. This is all that the collector wanted. Not only the SOL has been renewed on this debt and all the legal collections have been valid, but also, this account will confirm its negative stay in the credit report for another set of years. And the worst part is that you will have to pay it in order to avoid any legal actions.

Know the statutes in your state before making any payment agreement.


Submitted by david on Wed, 02/15/2006 - 13:07

david

( Posts: 1229 | Credits: )


Yes. There is something fishy about this company. I just found out yesterday that this company is on my credit report--original creditor Walmart. I've never had a credit card w/Walmart ever. I finally got thru to this LVNV at 866-464-1183. They claim they need a copy of a picture ID, my Soc Security Card, and a police report. No way am I sending that to them. Heed my advice everyone. If you are going to report the entry as fraud, do so through Equifax and Transunion. They are reputable and may ask for those identification documents. Don't pay anything on it because you could be held liable for the account. It will take some time before it is wiped off your report.


Submitted by on Fri, 02/17/2006 - 09:07

( Posts: 202330 | Credits: )


Hi lisalee,

Involve Walmart also in this verification process regarding the account. Under the federal laws, your credit report should display your actual credit history. These unknown entries can hurt your credit scoring in the long run. Write letters to the credit company as well as the collection agency for verifying the said account. If they can't prove any info, you can explain their failure to validate the account to the credit bureau. The strong reasons given by you will force them to verify the item with the information provider. If they don't hear anything about this account within 30 days, it must be removed from your file.

Regards
Roxette


Submitted by roxette on Fri, 02/17/2006 - 12:12

roxette

( Posts: 4009 | Credits: )


This company called me about a month ago and told me of an amount of $167 for charges from MCI. They could not give me the account number, the phone number it was linked to or any other information about it other than it was from around 1996 to 1998.
I told them this was not my account. I do remember MCI changing my long distance service with-out my permission back in the 1990's a processing called slamming. I had to file some paper work and AT & T got my service restored. They tried to bill be for some amount and I refused it! I never heard about it again. This was all over 7 years ago and closer 10. Now of course it shows up on my credit report this month. I told them that I disputed the amount yet they did not put this in my credit report. I called them and spoke with some pushy rude person who said he would settle for $65.00 and would clear my credit up???. Sounds like they just want money, no matter what and what a great way to blackmail people. Reporting this to the big 3 gives them leverage to collect. It doesn't matter to them if it's fair, right or even legal! They don't care???.
I have it in dispute with all 3 reporting agencies and also have filed a complaint with the FTC.
I'm also contacting my State's Attorney Generals Office.
I don't see how they can place something on my report from over 7 years ago.
I guess if it was just now placed for collection then it could remain for 7 more years???
I also can't see how they can do this with no account# no statement of account or even the phone number it was linked to.


Submitted by on Sat, 02/18/2006 - 14:28

( Posts: 202330 | Credits: )


Quote:

I guess if it was just now placed for collection then it could remain for 7 more years???


The stay of the negative information in the file is for 7 years only beginning from the date of first delinquency. If an account is turned to collection and later gets paid by you, the credit file will somewhat improve reflecting 'paid collection'.

Draig, do not pay anything to this account. A single mistake from your side will make you responsible for this debt. The FCRA laws guarantee its removal from the file after 7 years. The collection agency has hit your file without legitimate purpose. Your dispute with the credit bureau will give positive results for your credit.

Collectors have the rights to enter remarks in your file if they have valid info. If they hit the file without legitimate purpose, the item needs to be disputed and as a result, removed from the file.


Submitted by david on Sat, 02/18/2006 - 14:49

david

( Posts: 1229 | Credits: )


Knowing that LVNV funding purchased the debt for pennies on the dollar, what are a debtors rights as far as negotiating a settlement amount for much less than the original debt?


Submitted by on Tue, 02/21/2006 - 12:28

( Posts: 202330 | Credits: )


Sometimes the collection agencies offer the settlement amount with a lower payoff. Or you can call them and know the actual details of your account. If the debt has not been sold, you can still pay to the creditors. If LVNV has purchased the debt, you will have to pay them only. Explain them that you wish pay off the account with them and would like to see it updated as 'paid' in your file. Do not agree for 'settled' status in your file. Negotiate with them for a 'paid'. This will be good for your credit. Settled is a negative remark and will stay in the file for 7 years. Besides, it will lower the credit scores. If you can negotiate with them in better terms, you can get the desired results.

Do all your correspondences with the company through certified mail with return receipt requested. This way, you will have everything documented in a file and will be able to prove your part of the actions.


Submitted by john on Tue, 02/21/2006 - 13:29

john

( Posts: 1231 | Credits: )


angel hawkins (280-72-****)_
508 main st.
oakwood, ohio 45873

lvnv funding llc
p.o. box 10497
greenille, sc 29603-0584

Feb. 28, 2006

yes, could someone help me by sending me the total amount i owe for this matter. i would like to get this taken care of. and who is this matter pertaining to. thanks,
angel

Personal info removed for your safety - Mike


Submitted by on Tue, 02/28/2006 - 09:09

( Posts: 202330 | Credits: )


Angel,

This is a community forum where we discuss various issues on our debt related problems. You have come in one of the discussions about LVNV funding taking place here. This is not the actual company you are looking for. Please forward your request to the mailing address of LVNV Funding requesting them to take care of the matter.


Submitted by david on Tue, 02/28/2006 - 10:29

david

( Posts: 1229 | Credits: )


Thank you to all of you! My husband has this on his credit report and I can not find any information on them! A company called providian credit card sold are debt to them but we have never had a card through providian! But how do I know if I have the right company??


Submitted by on Sat, 03/04/2006 - 12:55

( Posts: 202330 | Credits: )


Michele,

LVNV Funding is a collection agency. You can check their report with BBB website.

Anyway, as you have mentioned that you never had any account with Providian, this account might enter your report through two ways-

    1. Credit bureau has done some mistake while updating your report,
    2. Someone else had opened a Providian account with your name and this is dangerous.


Contact Providian and explains the whole story. If you smell an ID theft to be occurred, file report with police and do whatever actions one should take when ID is stolen.

However, if this is just a mistake on the part of credit bureau, write them a letter requesting to remove this account as it is incorrect. Send your letter through CMRRR. Feel free to ask your questions in forums.


Submitted by stanley on Sat, 03/04/2006 - 13:06

stanley

( Posts: 1639 | Credits: )


I have them on my credit report also but I also have no idea where this has come from it's for $7254 and it just got on my credit report on 02/23/06.


Submitted by on Wed, 03/08/2006 - 09:44

( Posts: 202330 | Credits: )


Jocelyn,

LVNV Funding is a collection agency. Have you checked which of your accounts has been transferred to them? Have they contacted you for debt collection purpose?

IMO, you should call the creditor to see if you can settle the debt with them or not. Otherwise, ask LVNV to validate the debt first. debt validation is the first step of collection procedure.

However, if you feel that this item is completely wrong and has no connection with your past debts, you can dispute it with credit bureau. Feel free to ask your questions in forums if you have any.


Submitted by stanley on Wed, 03/08/2006 - 11:55

stanley

( Posts: 1639 | Credits: )


When did the fcra say a company should post a debt in your credit report? because i have not used this company for more than 5 years and the report just sufaced on my credit.


Submitted by on Fri, 03/10/2006 - 05:47

( Posts: 202330 | Credits: )


Could you tell us how they have reported your account? Is it a negative report? any negative item should go off of your report after 7 years from the date of reporting.

Now say your account was placed in collection in 2000 and it was entered in your report in 2005. According to my understanding, it should be removed from your file in 2007. If it doesn't, you can place dispute with credit bureaus. Keep us posted.


Submitted by stanley on Fri, 03/10/2006 - 11:35

stanley

( Posts: 1639 | Credits: )


Last year I obtained a copy of my credit report and saw Sherman Aquisitions for $5,882 and disputed it because I did not know what it was for. I think I awoke a sleeping giant because shortly after, I started getting calls and letters from them and an attorney's office. I sent via certified mail a leter of debt validation to the attorney's office and Shermnan Aquisitions. I received a response shortly thereafter that they would look into it at respond in a timely manner. I never got a response to this. I still do not know what it is for. In the meantime, I received court docs about hearings in court. But they were never stamped or signed by any court clerk, but looked like they were signed by the attorney's secretary. Today, I received a letter from my employer that said my wages were going to be garnished. I still do not know what this is for. I was never served any papers, or advised of any court date. Finally, what I received from my employer is an actual court document, signed and stamped from a court near San Diego??? I lve in L.A County. Any suggestions? Do i need to get a lawyer? I can't believe this is happening. I make approx $2,000 a month take home salary. I really can't afford this and would like to know what it is all about. thanks for any advice.


Submitted by on Wed, 03/15/2006 - 16:58

( Posts: 202330 | Credits: )


I've been at it with these dimwits for a couple of years over a boggus Providian account. After several demands by me for validation (over a year ago I recieved the boggus "affidavit" they sometimes send out", a few months ago I recieved a signature card, with an attempt at forging my name on it. Mind you, there were no companies mentioned on the card. Just my name, an old address, and my forged (badly) signature. This only goes to show what lengths these criminals will go to. They've so far kept it off of my credit report. It has gone out of the statute of limitations this month, so they'll prbably try some funny business. I happen to know that it is illegal to re-age an alleged debt and illegal to report it as an open account.

For those with the patients, Sherman/LVNV will leave a large paper trail communicating with you, with a host of fdcpa violations. This is another reaso to only communicate in writing.

I called them up only on my convenience, becase they don't know my number. You'll be talking to high school kids, or those who are easily impressionable. One young woman even said that the FDCPA doesn't apply to them, it only applies to third party collectors (I think she'd been told this and really believed it).

BTW, for Texas residents, the Texas Debt Collections Act (similar to FDCPA) does apply even to original creditors.


Submitted by on Wed, 03/15/2006 - 20:01

( Posts: 202330 | Credits: )


TMD,

The reason for the name change is probably because of a sort of partnership with some guy (who's name escapes me) who mainly collects old medical debt (a whole new low). Also probably because Sherman's investigation by the FTC.

I'm only surprised that they registered their LLP corporation in Nevada, where I believe, the board members' names, addresses, phone numbers, and SSNs must be on file.

The only thing that will change matters is a change of law, or Congressional investigations. State attorney generals (and sometimes the FTC) have fined various junk debt purchasing companies. Most recently Arrow Financial and NCO. They pay and always "promise" to confirm with the orderd 60 day period to comply with the law, but its always business as usual (breaking the law).


Submitted by on Wed, 03/15/2006 - 21:30

( Posts: 202330 | Credits: )


I might also add, to the validation letter posted, that you demand competent proof from a junk debt buyer that you are contractually obligated to pay them (if you "debt" is still within the statute of limitations).

As to the Greenville, SC BBB, it is a waste of time. They are in bed with Sherman/LVNV. They provide quite a lot of jobs!

To get LVNV/Sherman off of your credit report, unfortunately, you'll also probably have to deal with them. When you dispute to a credit reporting agency, such as Experian, they only send an email to the collector. The collector simply says, "yes we have this account, and he/she owes it". The credit reporting agency then reports "validated".

I'd like to remind people, that in many states small claims court is a very inexpensive way to sue for violations of the fdcpa as well as the Fair Debt Reporting Act.


Submitted by on Wed, 03/15/2006 - 22:26

( Posts: 202330 | Credits: )