I posted about a letter I received about my AMEX account last month. The letter is from the "Law Offices of James A. West":
I am going to DV that one (dated July 13) this week.
Last Thursday/Friday, I got a letter about the same AMEX account from Nationwide Credit, Inc:
Bolding, etc theirs.
So do I DV them too? It's dated 13 days after the other letter. Does a settlement offer mean they find me "judgment proof"? I've been getting offers from everyone lately.
What to do?
This office represents American Express Co. who has placed the above referenced matter in our office for collection. Please be advised that at this time, no attorney with this firm has personally reviewed the particular circumstances of your account. However, if you fail to contact our office, our client may consider additional remedies to recover the balance due.
Our client has asked us to negotiate with you to resolve this debt, but we cannot do so unless you contact us. We are wiling to work with you within our client's guidelines. Please call 800-568-4116 and ask for Latroy A. Broadnax at extension 1269.
Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt to be valid. If you notify this office in writing within thirty days of receipt of this notice, we will obtain verification of the debt and mail you a copy of such judgment or verification. If you request from this office in writing within thirty days after receiving this notice, we will provide you with the name and address of the original creditor, if different from the current creditor.
This communication is from a debt collector. We are required to inform you that this is an attempt to collect a debt and any information obtained will be used for this purpose.
Sincerely,
Jay Collier
Collections Manager
Our client has asked us to negotiate with you to resolve this debt, but we cannot do so unless you contact us. We are wiling to work with you within our client's guidelines. Please call 800-568-4116 and ask for Latroy A. Broadnax at extension 1269.
Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt to be valid. If you notify this office in writing within thirty days of receipt of this notice, we will obtain verification of the debt and mail you a copy of such judgment or verification. If you request from this office in writing within thirty days after receiving this notice, we will provide you with the name and address of the original creditor, if different from the current creditor.
This communication is from a debt collector. We are required to inform you that this is an attempt to collect a debt and any information obtained will be used for this purpose.
Sincerely,
Jay Collier
Collections Manager
Last Thursday/Friday, I got a letter about the same AMEX account from Nationwide Credit, Inc:
Greetings on behalf of Nationwide Credit,
We are contacting you to let you know that your past due debt with AMEX has been placed with us for collection.
The total account balance as of the date of this letter is xxxxx.xx but our records indicate that you are eligible to pay significantly less than the amount you currently owe.
You can settle your entire account for good by paying just part of your account balance. That means that collection letters and calls about this account will stop once the payment is arranged.
This is an opportunity to save a substantial amount of money while paying off your account. You may even be able to break your settlement into multiple payments. The amount of payment(s) will be something on which you and we agree. Should you wish to negotiate such an arrangement you may call us at ____
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will resume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.
The total account balance as of the date of this letter is shown above. Your account balance may increase because of interest or other charges, if so provided in your agreement with your creditor.
We are contacting you to let you know that your past due debt with AMEX has been placed with us for collection.
The total account balance as of the date of this letter is xxxxx.xx but our records indicate that you are eligible to pay significantly less than the amount you currently owe.
You can settle your entire account for good by paying just part of your account balance. That means that collection letters and calls about this account will stop once the payment is arranged.
This is an opportunity to save a substantial amount of money while paying off your account. You may even be able to break your settlement into multiple payments. The amount of payment(s) will be something on which you and we agree. Should you wish to negotiate such an arrangement you may call us at ____
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will resume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.
The total account balance as of the date of this letter is shown above. Your account balance may increase because of interest or other charges, if so provided in your agreement with your creditor.
So do I DV them too? It's dated 13 days after the other letter. Does a settlement offer mean they find me "judgment proof"? I've been getting offers from everyone lately.
What to do?
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