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Collection Letters for Account not on Credit Report

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Joined: 16 Jan 2009
lmerge's page
Posts: 1

66 Magic Points

Subject: Collection Letters for Account not on Credit Report
Posted on Fri Jan 16, 2009 5:36 pm  

I have been receiving letters of collection from no less than 10 different CAs for an account that isn't even on my credit report and I have three years of reports from all three agencies to back this up. If one of these CAs decided to sue, what are the odds they would be successful? FYI, I am in MN and the SOL is 6 years, which to me means that if it isn't my credit report it is more than 7 years old.


Joined: 31 Jul 2006
anthony's page
Posts: 516

13620 Magic Points

Posted on Sat Jan 17, 2009 7:12 am  

Hi Imerge
The creditors may not list their names in the credit report against the debt at the first instance. They have send you collection letters and so you should ask for validation of the debt first. Send Debt validation letters to the 10 collection agencies separately by certified mail with return receipt. If they can validate the debt properly, come to settlement plans and pay it off, else if they report it to the credit bureaus, your credit score may fall. You can find sample debt validation letters if you visit the link letters of credit
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.


Joined: 17 Jul 2006
Justin's page
Posts: 1238

28944 Magic Points

Posted on Sat Jan 17, 2009 7:30 am  

If you send debt validation letters to the collection agencies, they cannot sue you to the court before they validate your debt. However, if they sue you without validating the debt, and you prove it in the court by showing them the return receipt which you got while asking for debt validation, they cannot bring judgment against you to recover the debt. Moreover, if the SOL has expired, the creditor cannot bring judgment against you.
All the Best Smile

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

608 Magic Points

Posted on Sun Jan 18, 2009 5:17 am  

Keep in mind that if they file suit one day before the statute of limitations expires it will put a freeze on it. I have a collection agency suing me and that is exactly what happened to me. They filed suit one month before the statute of limitations expired. It is like they lay in wait and then when you least expect it, wham, the case is filed in your local court.
for all the ways I make $$ online


Joined: 06 Jul 2006
Mary's page
Posts: 684

17426 Magic Points

Posted on Tue Jan 20, 2009 11:30 am  

Hi Imerge
If the creditors sue you to the court and prove that you owe the debt, they can bring judgment against you either to garnish your bank account or your wage. Now, if you can prove in the court that the statute of limitation on the debts have expired, the creditors cannot bring judgment against you. If you receive a summon, always file a response to the summon else a default judgment may be brought against you. If the seven years on the debt has already expired, then the SOL has also expired. So do not pay them even a small amount. If you do so the SOL will restart and you may be required to pay the entire outstanding debt.
Where there's a will, there's a way !!

Subject: Collection Letter for Old Debt Not on Credit Report
Posted on Thu Jun 03, 2010 4:18 pm  

I received a letter 2 days ago from the "Law Office of Thomas Landis, Esq." stating that I owed and outstanding debt of approx. $2400. This supposed debt is not on any of my credit reports (from all 3 companies) even though they claim I have owed this money since 1998. From what I understand, the maximum statute of limitations is 10 years on credit card debt. The gentleman I spoke with said the debt was not reported until 2001 and then got really argumentative - stating that "just because it has been more than 10 years doesn't mean you don't owe money. what do you think it is? free money?" I told him that I thought he was being argumentative and I was simply saying that I do not owe this debt, it was settled a long time ago, and even if I did, they were illegally trying to collect it and I would be informing the FTC and the state attorney general's office and hung up.
Should I still send a DV letter? or what step should I take next?


Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: collection agency
Posted on Fri Jun 04, 2010 10:32 am  

Hi JamieGirl,

First pull a copy of your credit report. Check if this collection agency is listed there on the credit report. If you find the collection agency on your credit report, you can send them a debt validation letter through certified mail, requesting a return receipt.

If the collection agency is not there on your report, you can simply ask them to stop harassing you, else you can sue them. File a complaint with the Federal Trade Commission, and your State Attorney General.


Keep in touch Smile

Subject: collection agency
Posted on Fri Jun 04, 2010 3:38 pm  

Hey Aaron --
I ran my credit report (the free annual credit report that everyone gets each year through the government) for all three credit reporting agencies and it's not listed on any of them. So I should just send a C&D letter and go on with my merry life? That's awesome. And I'll do that as soon as I get ink in my printer...


Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: collection agency
Posted on Sat Jun 05, 2010 8:07 am  

Hi Jamie,

If the collection agency is not there on any of your credit reports, you should do nothing. You don't have to either validate or dispute or send cease and desist letter. Wait for some days, and see if the collection agency tries to call you. If they starts harassing you over the phone, you may send them a cease and desist letter through certified mail, requesting a return receipt.


Keep in touch Smile

Subject: Collection
Posted on Wed Apr 03, 2013 8:08 pm  

I've received a couple of call from an agency saying that I owe money, I'm in trouble and that I missed a court date. They actually spoke to my wife and other family members but never to me. This debt is more then 10 years old and either has been written of or settled. I have not called them back but today I received a message at work. What should I do??
Gerry Whitfield

Posted on Thu Apr 04, 2013 3:56 am  

Check the court dockets first. Secondly, check the SOL period in your state too. Are you sure that the debt is settled? Can you prove it with proper documents?
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Posted on Tue Sep 10, 2019 3:53 pm  

Facebook Is Launching a Dating Service Within the facebook app

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200 million people on Facebook list themselves as single The feature would be for finding long term relationships Friends will be unable to see a person's dating profile

Facebook is entering the dating scene, leader Mark Zuckerberg said on Tuesday, Planning a dating service to matchmake untold numbers of folks on the world's largest online social network and nudge them into spending more time there.

The provider, Which Facebook had viewed offering for over a decade and will launch soon, Could help rebuild its popularity among younger consumers and make people visit the site more often, Two key challenges for this business.

"There are 200 million people on Facebook that list yourself as single, So clearly there's something to do here, Zuckerberg told software developers at Facebook's annual F8 conference.

facebook or twitter shares rose 1.1 percent to shut at $173.86 (estimated at Rs. 11,600) in news bulletins, Which sparked a sell off of established online dating companies.

Facebook users have been able to reveal their marital life status on the network since it first went live in February 2004.

Zuckerberg said Facebook was building the dating service with an emphasis on privacy, A sensitive subject for people who use dating websites and for Facebook as the company reels from a scandal over its handling of information.

A dating service could improve time people spend on Facebook and be a "difficult issue" For level of competition such as Match Group, Said james Cordwell, An analyst at Atlantic equities. connect, the owner of popular mobile dating app Tinder and OkCupid, Calls by themself the "global leader in dating" On its rrnternet site.

"But the initial functionality looks relatively basic compared to those offered by Match's services, So the impact Facebook has on the dating space will be down to how well it executes in this field, Cordwell says.

Facebook said in January that afre the wedding of 2017 time spent by users had fallen by about 50 million hours a day, After changes produced to reduce passive video watching and stem the spread of sensationalism.

Facebook's entry into the growing uniform dating market sent shares of industry leaders tumbling.

Match Group Inc shares closed down across 22 percent. IAC, Match Group's parent manufacturer, Dropped greater than 17 percent. Sparks channels, owner of JDate and ChristianMingle, droped 7.3 percent before recouping and closing up 0.8 portion.

A prototype displayed on screens at the F8 conference showed a heart shape at the top right corner of the application developers. Pressing on you will need people to their dating profile if they have set one up.

Potential matches will be strongly suggested based on dating preferences, Things in common and mutual friends, Facebook said in an argument.

The model was built around local, face-to-face events, Allowing individuals to browse other attendees and send them messages.

It did not have the symptoms of a feature to "swipe" right or left on potential matches to signal interest, As Tinder and other well-known services have. But there have been two buttons for "pass" moreover "intrigued,

The optional feature will be for finding long term family relationships, "don't just hook ups, Zuckerberg considered. is going to be launched soon, He newly added, Without giving any particular date.

more details will be revealed over the next few months, Facebook Chief Product Officer Chris Cox said in a separate presentation.

Cox said he had been looking at a Facebook dating feature since 2005, When he joined the corporate about a year after its founding.

enterprise began seriously considering adding a dating service in 2016, When Zuckerberg posted on his tagged page a photo of a couple who had met on the network, Cox told.

Thousands of people responded to Zuckerberg's post sticking with the same stories about meeting partners on Facebook, Cox said. "that must be got the gears turning, he explained.

People will have the priviledge start a conversation with a potential match by commenting on one of their photos, But for safety reasons that Cox did not identify, The chats will be text only, he said. Unsolicited nude photos are a recurring worry on online dating services.

Posted on Thu Sep 26, 2019 2:24 pm  

dating foreign girls con's all about love and money Albuquerque Journal


An Albuquerque chiropractor, At the guideline of a friend, Posted her profile to an online dating service recently.

She got an immediate response from a guy who said he loved to dance as much as she did. She said he explained himself as a retired military officer who was in Cyprus, Closing a $3 million deal on the sale of small business.

They exchanged non published numbers, And he texted her numerous times over the subsequent two days, Calling her and asking her at many point if she was alone.

He knew she was health provider, even supposing she hadn told him that.

commenced getting spooky when he texted me, She says. Just kind of away feeling weird. The end of that saturday, He had sent her a photo of himself possessing a sign that read, Want you to know I love you so much appreciation for coming into my life. Woman became extremely more suspicous when Mr. Romance asked her to buy a computer chip he said they needed to continue talking through a Google phone site. Seems the web link in Cyprus was not very good.

He would give her, he explained, during a Paypal account that he wanted her to open.

For the doctor, That was the final straw. She said the man was set up trust, And she suspects he would have gone on to ask for her money or her banking additional info.

She pulled the plug, Telling him that if he contacted her again, She would tell the authorities.

Here what the police entirely Albuquerque Sgt. Will Dorian had to imply: Pretty weird all around. Incident has several hallmarks of the classic uniform dating scheme, believed Dorian, Who is with the Albuquerque Police section organized crime unit, among them white collar crime.

One is the think about it, Dorian defined. Probably having a go on 15, 20 people at once. He doing is endeavouring to see who will bite.

A common ploy is to look into the intended victim and get information beyond what is offered on the dating site, he explained. That might include a person hobbies favorite movie, Favorite song as well as endearments used by friends or family.

Basically portraying themselves as someone the other person is wanting, Dorian reported. Building up trust as fast as they can. Dorian referred to a case several years ago in which an Albuquerque woman fell in love with a man she moldova women met on a dating site. He told her he was in Europe and needed money so he could sell his house and they can get married.

She idea him, Sight invisible. basically we, She wiped out her checking account, Took out a loan and was considering getting a reverse mortgage all in the naming of love.

The case was given over to the FBI, But charges were never brought because was nothing they could do, Dorian proclaimed.

all over the country, Victims lost nearly $120 million to so called scams this first half of this year, A 23 percent increase over the same period last year, in line with the Wall Street Journal.

Dorian said his main useful information is to it local.

of course, Check the addict out. Ask for background details and see if helpful verified. Ask for a photo and do an image search to see if the same picture appears with some other names.

Other warning flag, according to the FBI: The person presses you to leave the dating website and display by phone or texting; Proclaims instant attitude of love, Is out of the united states at the moment and asks for money for a variety of reasons.

Albuquerque and Santa Fe area businesses should be in search of a scam involving fake PNM employees, The attorney at law General Office says. Hotels and bars are among the targets, But the AG alert says every business and their employees should be on guard.

you obtain an unsolicited call from someone claiming you owe money, Do not give out payment or financial information without first verifying the individual claims and employment with the company, The attentive says.

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