Several months ago Portfolio Recovery started writing my wife regarding an old CC account that had been charged off by Providian 10 years ago. Balance of only $300. My wife was all ready to start paying them; I said, "no." Sent them a DV letter some time ago. Got a rather rambling reply about 6 weeks later showing original creditor, date acct opened, and date of last activity (early 2000). They made it all sound like we were asserting an identity theft claim--which we hadn't mentioned at all. And asked us to fill out a bunch of included forms. I figured they were just fishing for some way to rehook us up with the debt, so we did not respond. Now the letters have started up again. Nice and friendly--just make $10 monthly payments. How do I get these guys to stop writing?
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Make a payment and the debt will be restarted.
These people are dirty bottom feeders.Golden Jubilee was a year-long celebration held every 50 years in which all bondmen were freed, mortgaged lands were restored to the original owners, and land was left fallow: Lev. 25:8-17 -
Send them a FOAD letter (also called Cease and Desist). The debt is way beyond SOL. Tell them that too. If they sue you, countersue for FDCPA violations. Your local consumer protection attorney can help you, and you can earn $1000 for Portfolio Recovery's stupidity as well.Originally posted by mercedesc350 View Post“When fascism comes to America, it’ll be wrapped in a flag and carrying a cross” — Sinclair LewisComment
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Gotta love zombie debt. I mentioned zombie debt to the hubby one day and he said "What? So the letters that come will demand brains rather than money?"sigpic
Filed - 11/19/08;341 - 12/22/08
Discharged - 2/23/09 ;Closed - 3/6/09
Got my first post BK credit line - car loan - 4/9/09 On my way to recovery.Comment
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In this case I recommend sending the Cease and Desist Communications letter by certified mail. That will shut them up.The world's simplest C & D Letter:
"I demand that you cease and desist from any communication with me."
Notice that I never actually mention or acknowledge the debt in my letter.Comment
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when it comes to providian and their goons.thats one that never will give up.at least they didnt with me.i too had to deal with portfolio.told them to cease and desist.then i heard from rab preformance and their attorney.sent them another c and d letter.next letter was a summons for a lawsuit.the only thing that got thru.was the letter of impending bankruptcy.finally i had peace from them....Comment
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Originally posted by anime-chicka View Post
It is amazing how these JDBs want to reap old debt and try to get them back....just amazing 
Say I am curious, I wonder what the oldest debt on record a JDB has successfully tried to collect? I wonder if anybody knows? It is no big deal (I think) but that got me wondering.Chapter 13 filer since Feb. 2018 under a 60 months payment plan
Please think positive and do not give up!Comment
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Oh, I've had some collectors rear their ugly heads from time to time with a car that was towed waaaaay back in 1992 owned by my now ex-husband and sold at auction, but still owed towing and storage fees. I still don't know how anyone would want a car that was practically falling apart anyway. I was never on the title (and I still have a photocopy of the title nearly 20 years later), but somehow I got stuck with it too.
So I just fire off a FOAD letter and they leave me alone for a couple of years. They never show on my reports. I should call them and tell them that they need to find the deadbeat and if they do, can they try to get the alimony he owes me.sigpic
Filed - 11/19/08;341 - 12/22/08
Discharged - 2/23/09 ;Closed - 3/6/09
Got my first post BK credit line - car loan - 4/9/09 On my way to recovery.Comment
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I appreciate all the replys. I'm going to send cease and desist letter certified mail and see if that will get rid of them.Comment
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I had something from the mid 90's (94ish) from my first marriage that I got a letter for the other day. Pretty sure it's a paid account anyway, at least that's how it's always showed on my credit report. Paid, closed with $0 balance. But Asset Acceptance sent me a letter saying I owed $300.Originally posted by ForumReader View Post It is amazing how these JDBs want to reap old debt and try to get them back....just amazing
Say I am curious, I wonder what the oldest debt on record a JDB has successfully tried to collect? I wonder if anybody knows? It is no big deal (I think) but that got me wondering.
Not on their life.
Last edited by JEM; 03-06-2010, 02:47 PM.Comment
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