08-17-2008 04:44 PM
08-17-2008 08:19 PM
08-17-2008 10:15 PM - edited 08-17-2008 10:16 PM
01-10-2009 11:55 AM
01-10-2009 12:10 PM
I know the DOFD on the account was back in 2005 and the SOL in SC is 3yrs. The letter is shown as being delivered back in Sept '08. This bottom feeding attorney has a number of small time cases representing LVNV and also does lectures/classes on how to collect- so he is legit.
Read your state statutes to see what, if anything, resets SOL.
Date Reported: 07/2008
Date of Last Payment" 02/2007
If last payment was in 2007, then SOL may not expire until 2010. Just depends on if SOL can be rest in your state or not.
01-11-2009 12:01 AM
What prompted you to DV them? In other words, how was their collection activity initially communicated to you?
Did they send dunning notice to you within 5 days of any communication of their debt collection activity?
Just because he talks the talk about debt collection does not mean he walks the talk.
I would be very curious to know what Mr. High Profile Debt Advisor did to comply with FDCPA 809.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.