Help!!!

Anonymous — Tue, 26 Aug 2008 16:11:52 GMT

I just recieved a score watch alert -9 for this item. I have no clue what this is. I have disputed this item but I know i havent gotten anything from this company. I filed bankruptcy in 05/05 and included all my collection bills. Ever since then I have paid my bills on time.

What should I do?

LVNV FUNDING LLC (XXXXXXXXXXXX5361)
Opened: Not on Record

Balance: $964

Credit limit or largest balance: Not Reported

Past due: $964

Payment terms: Not Reported

Status: At least 120 days or more than four payments past due

First reported: 8/1/2008 Portfolio type:

Open Account Description: Consumer disputes this account information
Collection account

Contact: LVNV FUNDING LLC, PO Box 10584, Greenville, SC, 296030584 • (866) 464-1183

Re: Help!!!

Anonymous — Sat, 30 Aug 2008 11:53:47 GMT

LVNV is a collection agency. You should have received a demand letter from them... at which time you have 30 days to dispute. Their letter should also state the name of the original creditor. Personally, I would call them, determine the original creditor and make sure it was included in the BK. If it was, dispute the account with them by sending a certified letter, return receipt requested... demanding that they remove this from all CRAs. They probably won't respond, but you can then use their non-response to dispute with the CRA, along with proof that this item was included in the BK.

Really, the only reasons to contact LVNV would be to: 1) determine the name of the original creditor so you can 2) make sure it was included in the BK. If it was, follow the dispute process. If it wasn't... ut oh! Maybe a Statute of Limitations things, too?

PS: I work for a collections attorney. They usually don't "respond" if you're right because there's no money in it and they're too busy chasing legit dollars. Some might. Most won't. Hope this helps.

topic Help!!! in Bankruptcy

Help!!!

Re: Help!!!