Need serious help!!!

[Anonymous]

First of all thanks for all the good advice. I have both exciting and negative responses from letters that I've sent out. Expected, not giving up. Thanks for the success stories, motivation, needed.

Here's the problem, I had a providian cc opened in 3/2005 and closed in 12/2005, 30 days past due, account closed by consumer, balance $0, CL $500, high balance $752, last date updated 2/2006 thats what's reporting on the CRA's. There's only one thing, I didnt pay this off and i know i didnt. I was going to GW them to get the 30 days past due off, but I dont want to wake a sleeping dragon.

Not only that but there are two other CA's collecting for providian, columbus bank & trust (date opened 3/2005, closed 1/2007 CO, with at balance of $1128) and CIGPF1 ( balance $1057, date open 3/2005, closed 2/2007). I called one of the collection agencies to see what they were collecting for and pretended that the account was not mine. I lied, I didnt want anything to be recorded. The SOL in the state of Ms is three years.

Was contacted by ACI ($1057) by letter 3/10/08 they were writing me regarding the account with CIGPF1, it has been placed with them now.

CONFUSING!!!!! SOMEBODY, ANYBODY HELP!!!

[llecs]

I'd send a GW to Providian. You'd either take action or do nothing. The only action to take is a GW. If you do nothing it will stay until 12/2012. However, I would take steps necessary to save for that. Providian likely sold that debt to your other CA. Is it also reaporting as a paid CO?

Columbus Bank and Trust (CB&T) is an OC not a CA. They back CCs like Aspire. Basically subprime CCs. I don't know what CIGPF1 is. Do you have an address? It could be that CB&T bought the debt from Providian as a CC issuer.

Looks like ACI is collecting for the other. Send a DV ASAP. Make sure it is in their hand before 4/10. If you do not, ACI will report likely this month.

[Anonymous]

SSS/Columbus Bank& Trust, is the one I called and they are collecting for providain.  I just called WASHMTL/PRO and put in the account number and was told by a recording the account was sold. The addresses are Washmtl/Pro, P.O. Box 660509, Dallas, Tx 75266, SSS/Columbus Bank & Trust has the same address as TRS/CIGPF1, 4315 Pickett Rd, Saint Joseph, Mo 64503.

Should I DV all of them?