Collection Accounts Help Needed ASAP!

Anonymous · ‎04-03-2008

My girlfriend has numerous collection accounts that date back to 2003 after she served in the military. Most are medical from an abusive boyfriend. She has about 18 total collections ranging from $17 to $2000. None have contacted her in the 2 or so years to try and get payment. As we are both trying to get our credit in line, we want to know the best way to handle these? Should we start off by sending a DV letter for each account? Or should we just dispute the collections with TU, EX, and EQ? I've read on the forums but I'm still alittle lost.

Thanks for any help.

Message Edited by bigdippin on 04-03-2008 12:45 PM

Anonymous · ‎04-03-2008

Do you have the $ to pay them?

I would DV them just to make sure they are still collecting on the accounts- BUT be prepared to PFD

You may want to google "Whychat" a great way to handle medical collections.

Also be perpared for other creditors to come out of the woodwork as you improve your credit-

Anonymous · ‎04-03-2008

Thanks for the response. We have the money to pay some of them. But not the big balances yet.

After we DV them, will they delete the report on the Credit Reports if they can't provide the information or is there something that we will have to do?

Anonymous · ‎04-03-2008

They will either -

Send the validation

or

Remove the entry from the CR's (and send letter)

or

Say you are past your 30 days to request DV.

bigdippin wrote:

Thanks for the response. We have the money to pay some of them. But not the big balances yet.

After we DV them, will they delete the report on the Credit Reports if they can't provide the information or is there something that we will have to do?

Anonymous · ‎04-03-2008

Thanks,

So if they send that she is past her 30 days to DV, then we send the PFD letter right?

Anonymous · ‎04-03-2008

Nope - you ask them to PROVE then sent a dunning letter (if past sol)

Seriuosly check WHYCHAT

bigdippin wrote:

Thanks,

So if they send that she is past her 30 days to DV, then we send the PFD letter right?

Anonymous · ‎04-03-2008

Ok, I'm looking it up now.

Anonymous · ‎04-03-2008

Ok, it looks like the SOL for Virginia (where she lived and most of the collections took place) is 3 years. So that would put most of those accounts out of the SOL.