I weird thing happened today that seemed like a mistake but now I'm wondering if it means something bigger.
One account we're deliquent on had been with a collection agency for some time before it got handed to an attorney in my state a few counties away from here. I sent a Debt Validation letter to the attorney because I saw he actively files suits against debtors in my county and I wanted to slow down the process a bit. There was no response to the DV letter and a few months passed by with no contact regarding the account.
Today a new law firm contacted me regarding the account. I talked to them to collect the name and address of the firm along with the in-house file number they assigned to my account. The process has become second-nature as I take notes that will allow me to formally notify them in the future.
Among the things I do when I have them on the phone is to see if they are properly setup to collect debts in my state. To my suprise I found that they were not properly bonded in my state and I informed them that they weren't allowed to perform debt collection here.
It turns out that they are located in a state where I used to live and had a previous address from more than 15 years back! My first reaction was to laugh. When they asked me to update the address for them I refused to provide new information and asserted that the original creditor had all the proper information already.
I figured it was all a big dumb mistake.
Now I'm wondering if it's too big and dumb to make sense. It occurred to me that the law firm is where I was when the account was originally opened.
Do you think they intended to bring suit against me in the city where the account was opened instead of the city where I now live?
They gave up easily when I confronted them with the information regarding the wrong address and lack of authority to collect debts here.
Do you think this is the beginning of a new kind of trouble for me or just a big dumb mistake on the part of a large well-know credit card company?
One account we're deliquent on had been with a collection agency for some time before it got handed to an attorney in my state a few counties away from here. I sent a Debt Validation letter to the attorney because I saw he actively files suits against debtors in my county and I wanted to slow down the process a bit. There was no response to the DV letter and a few months passed by with no contact regarding the account.
Today a new law firm contacted me regarding the account. I talked to them to collect the name and address of the firm along with the in-house file number they assigned to my account. The process has become second-nature as I take notes that will allow me to formally notify them in the future.
Among the things I do when I have them on the phone is to see if they are properly setup to collect debts in my state. To my suprise I found that they were not properly bonded in my state and I informed them that they weren't allowed to perform debt collection here.
It turns out that they are located in a state where I used to live and had a previous address from more than 15 years back! My first reaction was to laugh. When they asked me to update the address for them I refused to provide new information and asserted that the original creditor had all the proper information already.
I figured it was all a big dumb mistake.
Now I'm wondering if it's too big and dumb to make sense. It occurred to me that the law firm is where I was when the account was originally opened.
Do you think they intended to bring suit against me in the city where the account was opened instead of the city where I now live?
They gave up easily when I confronted them with the information regarding the wrong address and lack of authority to collect debts here.
Do you think this is the beginning of a new kind of trouble for me or just a big dumb mistake on the part of a large well-know credit card company?
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