Just received two letters, need advice

[Anonymous]

Ok, so I went out to check my mail and just got two letters. One for DH and one for myself. DH's is from a law firm Mitchell N. Kay. I researched the name online and see a lot of reports about illegal practices and scams. The letter says he owes quite a large amount to T-Mobile but they are willing to settle for half.

We dont recall having a debt with Tmobile. I also read the back of the letter and it says "At this time no attorney with this firm has personally reviewed the particular circumstances of your account"

I have a feeling that the name they have is more of a scare tactic to get you to settle.. but its working. I wonder if I DV and they verify if they will respond with a lawsuit. What would be the best course of action? We did have past accounts with TMobile, but dont remember owing anything so while the validity is in question it might be accurate.

The second letter for me was from NCO saying I owe money from a Sears card. Now, this debt is old old old. Though they don't give the account open date or anything like that in my letter. But the debt doesn't even appear on my credit reports anymore. Since the debt IS an old debt of mine, should I DV them? If I do and they verify it can it go back on my credit reports? Its definitely past SOL. Should I just ignore it? Not sure what to do, but I don't want them to find a way to re-report this.

Any advice you can give in either of these two situations would be very helpful and much appreciated!

[Anonymous]

If you know you had a T-Mobile...that's what it might be...it might have originally been...a lot more what it is showing....but think of collection fees...interest...etc....all the extra CRAP they tack on...if you have a question about it...send them a DV letter...as for the other...they can try to collect on a debt FOREVER...but can only report for 7 years...and can only sue within SOL...was it on your reports...but fell off???...if so...I would IGNORE...

[Anonymous]

creditdemon wrote:
Ok, so I went out to check my mail and just got two letters. One for DH and one for myself. DH's is from a law firm Mitchell N. Kay. I researched the name online and see a lot of reports about illegal practices and scams. The letter says he owes quite a large amount to T-Mobile but they are willing to settle for half.

I think they(Mitchell N. Kay) just bought a bunch of accounts, because I got a letter yesterday from them.

We dont recall having a debt with Tmobile. I also read the back of the letter and it says "At this time no attorney with this firm has personally reviewed the particular circumstances of your account"

I have a feeling that the name they have is more of a scare tactic to get you to settle.. but its working. I wonder if I DV and they verify if they will respond with a lawsuit. What would be the best course of action? We did have past accounts with TMobile, but dont remember owing anything so while the validity is in question it might be accurate.

How old would the account be if it was yours? SOL on cell phones is 2 years. After that, you can use "expired SOL" as your defense and they won't get a judgment. You can try calling TMobile and inquiring about the accounts you had as well.

The second letter for me was from NCO saying I owe money from a Sears card. Now, this debt is old old old. Though they don't give the account open date or anything like that in my letter. But the debt doesn't even appear on my credit reports anymore. Since the debt IS an old debt of mine, should I DV them? If I do and they verify it can it go back on my credit reports? Its definitely past SOL. Should I just ignore it? Not sure what to do, but I don't want them to find a way to re-report this.

DOFD is set by the OC and can not be changed once it has reached collection/charge off status.

If you are sure this accounts is past CRTP and past legal SOL, then you can send a DV or you can send a cease and desist.

Any advice you can give in either of these two situations would be very helpful and much appreciated!