First National collections / First Premier called

[Shinoga]

Hello,

I got a phone call today regarding an old First Premier card, I asked for a DV over the phone and ended the call..What can I do since I don't want them to re-age it with payment.   this is the account info..thanks for any advice.

Status as ofDate opened [?]Date of last activity [?]Date closed [?]Loan type [?]Credit limit [?]Largest past balance [?]Account Type [?]Account holder [?]Industry

Dec, 2010

Sep, 2005

Jul, 2007

Sep, 2007

Credit Card

$325

$529

Revolving Account

Individual Account

Banks

[DiabolicallyRandom]

It would be against the law to re-age it with payment. Depending on what state you are in, could reset the SOL for suing if it were up.  I would avoid a payment plan to be safe, and wait to pay or settle when I could do it in one payment.  What is the DOFD? Your last payment was in September of 05?

[guiness56]

Only a written DV starts the cease collections bar.

[Shinoga]

Status as of Dec, 2010 Date opened [?] Sep, 2005 Date of last activity [?] Jul, 2007 Date closed [?] Sep, 2007 Loan type [?] Credit Card Credit limit [?] $325 Largest past balance [?] $529 Account Type [?] Revolving Account Account holder [?] Individual Account Industry Banks

[Shinoga]

would it be better to just settle the amount?  any thoughts?

[Shinoga]

I sent First National Collections a DV then I get a reply back from First Premier that they received information that I was disputing information?? My dv was the standard one posted on the sticky here....Any thoughts on how to proceed?

[guiness56]

Not sure what the standard one posted here is.

The OC should not be answering the DV, that is the CAs responsiblity.  Wait and see if the CA responds.  They cannot continue collection activity until they do.