So my wife gets a collection notice from Portfolio Recovery Associates, asking for $350 on an old Wachovia account she screwed up on from back in 1999. She had herself sent Portfolio a letter last July indicating that she didn't even remember the account, and asking for them to provide her with information. It was there response that indicated it was the old Wachovia card. She was about to pay them, when I said "hell no!" It's past the SOL. I told her to send them another letter indicating that, and to request that they no longer contact her. Portfolio simply sent her a response back asking HER for her "reasons for dispute" and to fill out forms if she felt this was a case of stolen identity. Her letter indicated none of that. So, we ignored that letter.
Now, months later, we get another letter from Portfolio saying that since she failed to respond to their previous request, the account will no longer be considered under dispute.
Anyone have any insite in to these JDBs and how to get rid of them (short of paying them)?
Now, months later, we get another letter from Portfolio saying that since she failed to respond to their previous request, the account will no longer be considered under dispute.
Anyone have any insite in to these JDBs and how to get rid of them (short of paying them)?
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