Last Friday, just after Thanksgiving, I received an email from a CA stating that they were trying to collect a debt I owed. The email was very vague with just some reference numbers and a link to log in to "my account". I just ignored it, but now yesterday (so two emails in less than a week), I received the below email with more information than the first had. It lists the original creditor (Credit One) and the current creditor (LVNV Funding) who no doubt just bought it with a bunch of other debt. They also have the amount of the original debt wrong as listed in the email. I checked all three credit reports, and Credit One has already removed this from all of my reports, so it doesn't even show up there. I had to go back and pull my BK7 petition to make sure it was on there (it was).
So this debt has been legally discharged and is not collectible. My question is, do I just keep ignoring these or should I respond to them and let them know they are trying to collect a debt that cannot legally be collected? They had a customer service email address in the first email they sent and both of them have the postal address. Thanks for any insight!
I had a creditor do this after my discharge too. It was one of the biggest bottom feeders in collecting on apartment lease/debt. I sent a letter CMRR to them stating they were in violation of Federal Law and the Bankruptcy code(s) by trying to collect on a debt discharged in bankruptcy. I was willing to settle for $XXXX amount for the violation and they had 30 business days to respond or I turned it over to the courts. I never heard from them again. Which was the goal. Unless you want to keep receiving communication you send a letter informing them the debt was discharged and they are violating the law. They will disappear faster than I can type this.
