topic Re: Creditor refusing to send DV??? in General Credit Topics

Creditor refusing to send DV???

Anonymous — Tue, 05 Jun 2007 17:23:12 GMT

Recently I have been working very actively to improve my credit and clear up any negative items on my credit report. I have a $52 collection from 2001, and went to the trouble to track down a phone number for the CA and request a statement for this debt. This man calls today from the CA (if he gave me his name at all, I don't remember it after all the yelling he did) and asks me to pay with a check by phone right now, and I tell him I have not received a statement, but as soon as I can verify that the debt is valid, I will certainly make that payment. He says he personally sent it out on April 9, 2007, and specifically remembers sending it to me. I tell him again I did not receive it, what address was it sent to, he gives me that address, and so I ask if he can resend it. At this point, he became very angry, and says its not his responsibility, if it wasn't delivered after he mailed it or if I threw it away because I was distracted by my kid crying its my fault, not his. My come back with why would I go to all this trouble to resolve a debt just to throw the bill away when I get it, and if he can validate the debt, I would be disputing it on my CR. He says it has been validated, good-bye, and hangs up on me. My question is, where do I go from here? Is this sufficient to file a dispute? The dept is in Arizona, I am in California, and haven't even lived in that city for more than 3 years. I don't know what the delivery laws are here, but in AZ they are very lenient. Any advice? If this is a valid debt I will certainly pay it, but I don't have the money to throw into anything that isn't a valid debt against me. Thanks.

Jennifer

Message Edited by djactenaz on 06-05-2007 10:23 AM

Re: Creditor refusing to send VD???

Tuscani — Tue, 05 Jun 2007 17:13:00 GMT

Send a DV letter.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=4328

Re: Creditor refusing to send DV???

Anonymous — Wed, 06 Jun 2007 03:17:10 GMT

And don't deal with these people by phone unless you are recording it.

I am in AZ. I would like to know who this lowlife is.

Re: Creditor refusing to send DV???

Anonymous — Wed, 06 Jun 2007 03:39:14 GMT

Understand that paying it will not make it drop off your CRs and won't improve your scores any.

SOL in California is 2 year for oral agreements, 4 years for everything else, and it's not lawful for an OC or CA to sue when they are beyond SOL.

Never attempt to validate with a CA over the phone. They lie. Much like the IRS and hormone crazed teens, they seek to screw everyone they meet.

Is the CA reporting on any of your CRs?

Re: Creditor refusing to send DV???

Anonymous — Wed, 06 Jun 2007 13:59:48 GMT

Yes, they are reporting on at least one of my CR, but I believe it is all 3. It is a debt from 2001, and was first placed on my CR in 2004. Also, this debt was supposedly incurred while I was living in AZ, but I'm not sure if that matters since I am now a CA resident.

Re: Creditor refusing to send DV???

Anonymous — Wed, 06 Jun 2007 14:00:49 GMT

He's from Surety Acceptance Corp. I can't remember his name after all the yelling, but I think he may have said George??

Re: Creditor refusing to send DV???

Anonymous — Thu, 07 Jun 2007 00:54:40 GMT

djactenaz wrote:
Yes, they are reporting on at least one of my CR, but I believe it is all 3. It is a debt from 2001, and was first placed on my CR in 2004. Also, this debt was supposedly incurred while I was living in AZ, but I'm not sure if that matters since I am now a CA resident.

In theory, a creditor can sue one in the state where the debt was incurred. Practically speaking, they always sue in one's state of residence. I don't believe California honors foreign judgments, but not positive.

However, that's all academic. As Tuscani said, DV them.