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    #1

    Confused about new CA

    I quit paying my AMEX anticipating filing CH 7. Eventually I started getting calls and messages and eventually a letter from Zwicker and Ass. stating they were collecting on behalf of AMEX.

    I waited until the last few days to mail a request for validation. Of course they didn't sign for it and the post office left a note to pick up which they probably won't do.

    However, the day after I mailed my letter I received another letter from Dominion Law Ass. claiming to represent FIA Card Services for the same amount that AMEX says I owe.

    What's going on here?
    Tags: None
    #2
    Originally posted by BROKEDED View Post
    I quit paying my AMEX anticipating filing CH 7. Eventually I started getting calls and messages and eventually a letter from Zwicker and Ass. stating they were collecting on behalf of AMEX.

    I waited until the last few days to mail a request for validation. Of course they didn't sign for it and the post office left a note to pick up which they probably won't do.

    However, the day after I mailed my letter I received another letter from Dominion Law Ass. claiming to represent FIA Card Services for the same amount that AMEX says I owe.

    What's going on here?
    Sounds like they might be shopping your debt around. Capital One did this to my mother: sold her debt (a whopping 1 month behind) to about 3 or 4 collection agencies at one time.
    Last edited by BrokeIn2010; 04-14-2010, 10:38 AM.

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      #3
      Well Zwicker is a collection/law firm but not licensed in my state so I thought that since they had no contact from me that they gave it back to AMEX already and AMEX gave it to Dominion, which is licensed in my state.

      One of the other things that is confusing is that I got my card 13-14 years ago directly through AMEX but I thought FIA Card Services was owned by Bank of America.

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        #4
        Update: So the dolts at Dominion Law Associates send me a letter on 4-29-10 stating that due to a system error, the wrong creditor name was sent on the last mailing and that the correct one is Amex Centurion Bank.

        The letter doesn't mention anything anything about asking for validation. Should I still request one within 30 days of THIS letter?

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