Need some help with this one. I received a settlement offer letter from RAB, Inc (regional adjustment bureau). This letter tells me that this group is a professional collection agency hired by creditor to 'assist me in the payment of my delinquent account'. Sooo elequent!
Then one looks up to the original creditor -ARROW FINANCIAL SERVICES! Another Collector!
No mention of the real OC. I would like to DV this group to find out. I have two the are within about 6 mos. of dropping off -so they must be past SOL (MI -6 yrs) It could be Target/Macy's or it could be JCPenney. Neither was mentioned.
I would like to DV these people. Neither RAB nor Arrow appear on my reports. What would be the proper wording? RAB did a hard inquiry not too long ago. I found one wonderful letter on this site -but it was geared towards one collector and not two.
Thanks for the help, in advance. I love the site - I am learning so much.
Gulliver