Hi all...calling out all the letter experts on how to handle. 1. a default judgement in 2000- was on all my CReports-disputed they're gone 2. fast forward to this year 2007 and the same company tried to sue me again for a default judgement. I was able to get a free consult with the an attorney, showed them the old Credit Reports and pulled the info on the Public Records site. I paid a small amount and the attorney I consulted with wrote a letter to the law firm representing the company stating they ALREADY sued me, they withdrew the case & the judge dismissed it. 3.I noticed that there was a new inquiry on my TU report.. I have been sitting @ zero for about a month now. 4.The new inquiry is a NEW law firm, claiming THEY have obtained default judgement against me, they list the OC, then ask me how I want to pay them? 5. What do I do now, the lawyer I worked with before hasn't been able to get back to me. DO I stir the pot and do a DEBT VALIDATION lette or what? The letter does have the verbiage of "unless you notify this firm within 30 days" etc and this is an attempt to collect a debt. HELP PLEASE!! **on the rise side of things** firing off all those letters regarding the med collections has resulted in a deletion of 5 out of 10 med collection accounts on all the reports
Since you've received a "First Notification", definitely fire off a DV letter, state that this has been already addressed, and further action by them will constitute harassment, and YOU will take legal action for violations. Also demand that the inquiry on your credit report be removes, as this will be considered another violation. This most likely will take care of the issue, and you can add that any further communication be done with you attorney (who handled your previous situation).
Thanks BizWiz! I will definately send the letter off, I was just concerned that since they pulled my credit report and the judgement is not on there, that they would somehow get it put back on. I have all the pages of the court file of the original judgement and then the deletions for all the bureaus. If DV is what you recommend then that is what I shall do... Thanks AGAIN!
If somehow they do try to put it back into your report, note that first the CRAs must notify you of reinsertion. Secondly, check your state's reporting laws, it may be past reporting SOL.
