Account referred to a new collection agency

Anonymous · ‎10-13-2009

Hi All,

After sending two PFDs to Credit Protection Association and not hearing anything, I get something in the mail from a whole new company saying that my Time Warner account was referred to them. I pulled my EQ and TU and TU is still reporting the old CPA account (EQ is not). What can I do to get the account deleted from TU?

AND now that CPA no longer has the TW calbe account but this new place does (FFCC Columbus or something) in their letter they state that "all unpaid account COULD be reported to a national credit bureau". They aren't reporting YET. Should I go ahead and PIF to avoid being reported or should I DV first then PIF? I just want to make sure they don't start reporting.

TIA!

Anonymous · ‎10-14-2009

bump

IOBA · ‎10-15-2009

Have you DV'd the new CA?

Did you DV the old CA?

Do you owe the money to TW?

1. Establish/determine if you owe the debt.

2. DV the CA's.

Anonymous · ‎10-15-2009

Have you DV'd the new CA?

No, but I'm going to.

Did you DV the old CA?

Never did.

Do you owe the money to TW?

Yes.

1. Establish/determine if you owe the debt.

2. DV the CA's.

Shouldn't I just pay it off before they start reporting the account?

Should I just send a letter to the old CA (CPA) and tell them to remove the account from TU since they don't own the debt anymore or should I dispute with TU?

IOBA · ‎10-17-2009

1. DV the current CA OR pay it off, but offer a PIF.

2. Dispute with TU OR contact old CA & ask to remove.

BungalowMo · ‎10-18-2009

@IOBA wrote:
1. DV the current CA OR pay it off, but offer a PIF. IOBA meant, offer PIF for NOT reporting. Get the signed letter from them to NOT report & pay away!!!

2. Dispute with TU OR contact old CA & ask to remove.

BK 7 discharge 06.24.2020 No Fico score at all.

RobertEG · ‎10-18-2009

If the new CA has legitimately purchased the debt, or been assigned to collect the debt, they are a legit CA. They have no obligation to report to your CR until until such time of their choosing.

If the new CA posted to your CR, that set a 5-day period for them to provide you formal, written "dunning notice." Did they do this?

You have some more serious, underlying issues to resolve.

What is the DOFD on the OC account? What is the SOL, and has it expired?

PIF will make legal action go away, but not erase anything from your CR, and thus FICO scoring of this derog.

Anonymous · ‎10-22-2009

@RobertEG wrote:
If the new CA has legitimately purchased the debt, or been assigned to collect the debt, they are a legit CA. They have no obligation to report to your CR until until such time of their choosing.
If the new CA posted to your CR, that set a 5-day period for them to provide you formal, written "dunning notice." Did they do this?
You have some more serious, underlying issues to resolve.
What is the DOFD on the OC account? What is the SOL, and has it expired?
PIF will make legal action go away, but not erase anything from your CR, and thus FICO scoring of this derog.

The DOFD is sometime in June 2008. It's for a cable bill for which I didn't have a written contract so I think it's 6 years? It's definitely not past the SOL.

There is nothing on my CR current so it's not affecting my credit score. They verfied the debt so now I just need to pay it. Is there any way to guarantee that after I PIF they won't report to the CR as PIF or account satisfied? Is there such thing as a PIF letter? I don't need to PFD since nothing is reported.

RobertEG · ‎10-22-2009

Send them a PIF with the condition that they agree to make no subsequent posts to your CR regarding the debt in exchange for acceptance of your payment. A perfectly legal contract. They will take the money in their pocket.