topic Re: Resurgent/LVNV “in legal status” in Rebuilding Your Credit

Resurgent/LVNV “in legal status”

Onthemove24 — Thu, 25 Apr 2024 12:36:22 GMT

I decided to address an old Credit One collection account. It's showing on my report under Resurgent/Lvnv. I set up an account for Resurgent to view online what they had. Two time-barred debts showing, but Credit One said unable to view online and please contact customer care. So I did. I asked for the DOD and she said she did not have that info. (I believe it was mid-Apri 2018). She advised me it was in "legal status" and named the company. I suspect they tried to serve me a couple of months ago, but I don't actually live at the address and nothing more happened.

I was going to try and pay on it as I know they do "pay for delete." Not so sure about the law firm. So now what? Can I dispute on my credit report since Resurgent couldn't tell me anything? Can the law firm add it back on IF it was removed? Should I even try to contact the law firm? I am at 6 years with this debt, for various reasons, would like to resolve it before 7 years is up.

Re: Resurgent/LVNV “in legal status”

Onthemove24 — Fri, 26 Apr 2024 14:24:57 GMT

Bump. Anybody?

Re: Resurgent/LVNV “in legal status”

TheKid2 — Fri, 26 Apr 2024 18:12:09 GMT

If you pull your reports from ACR (annualcreditreport.com) you will be able to determine the DoFD for the account, as well as, get a "on report until" date showing you when it will be removed. I would not advise disputing data that is correct, if you owe it you owe it. Disputes can bite you.

Settling the debt and getting a PFD is a great option if you pursue it with the CA. Any legal action from that point on you will have the receipts that it is paid/settled and the collection will be removed from your reports. You can't be sued for debt you don't owe. The original account will stay until it falls off, but losing the collection from the report is important.

Re: Resurgent/LVNV “in legal status”

Onthemove24 — Sat, 27 Apr 2024 16:33:37 GMT

Thanks for replying. I have my Experian from ACR. It does not show DOD. I only know the dates it is due to come off my reports and looked at my bank statement and correlating life event to deduce DOD.

As stated, the collection agency couldn't tell me anything so I could PFD. No guarantee a law firm would so I guess I will just leave it alone for now..... My thinking was if the collection agency says they aren't handling it so I can pay it, why should they have it listed on my CR...hence me disputing it. ... will give ut another month and see if anything changes.

Re: Resurgent/LVNV “in legal status”

bakenshake — Sat, 11 May 2024 04:57:35 GMT

at around 6.5 years you can dispute it as too old to be on report with trans. it may be 6.75 years with exp.

Re: Resurgent/LVNV “in legal status”

ForwardLooking — Tue, 04 Jun 2024 19:46:12 GMT

@Onthemove24 wrote:
I decided to address an old Credit One collection account. It's showing on my report under Resurgent/Lvnv. I set up an account for Resurgent to view online what they had. Two time-barred debts showing, but Credit One said unable to view online and please contact customer care. So I did. I asked for the DOD and she said she did not have that info. (I believe it was mid-Apri 2018). She advised me it was in "legal status" and named the company. I suspect they tried to serve me a couple of months ago, but I don't actually live at the address and nothing more happened.

I was going to try and pay on it as I know they do "pay for delete." Not so sure about the law firm. So now what? Can I dispute on my credit report since Resurgent couldn't tell me anything? Can the law firm add it back on IF it was removed? Should I even try to contact the law firm? I am at 6 years with this debt, for various reasons, would like to resolve it before 7 years is up.

I have an old account that is in the same status. I went round and round with them trying to track it down. At the end of the day, my account was sent to legal being handled by Trak America. Trak America sat on it and would not provide me any information for several months because it was in a status of "being assined" to a lawyer. I stopped trying to contact them about 2 months before the statute of limitations ran out. After the statute of limitations ran out, Trak America finally told me it had been recalled back to Resurgent. Resurgent still does not allow me to see details of the account online and says I have to call. I have called Resurgent since, but have found the CSR's difficult to deal with and get any information. I have requested information about the account several times and they refuse to provide it. I even offered to settle, but they said they couldn't for some reason because of the "legal status". I have also tried to correspond with them via certified mail and have yet to receive a reply. At this point, I am just waiting it out as it is past the statute of limitations and is scheduled to fall off soon. I have spoken to a lawyer about it and his suggestion was to just let it age off and stop contacting them.

Re: Resurgent/LVNV “in legal status”

bass_playr — Sun, 09 Jun 2024 01:18:42 GMT

Keep in mind that there are two SOLs for this debt. The credit reporting SOL, which is federal law, is set at 7 years plus 180 days. That controls how long it can be reported on your credit.

There's also a specific statute of limitations within your state laws that governs the time they have to take action against you. This is different from state to state. If you're at 6 years since DOFD right now, there's a decent chance that the debt SOL has run and they can no longer sue you legally to collect the debt. I'd advise you to check your state laws to at least make sure you're aware of what they can and cannot do legally.