Ok, have a situation here. Back in 2002, I sent a letter to a collection agency requesting validation of a debt. I received a letter from them several days later asking me to outline my dispute in writing (via letter or fax). So I followed up with a fax stating that they had already received my dispute and if they can't validate this debt, they would have cease collections and remove the account from my credit reports. Never heard anything again. I faxed another letter, to follow up, about a month later, and still never heard anything. Today I receive a letter from an "Attorney in the Practice of Debt Collection" demanding payment. Here's the tricky part. The original creditor is Household/Orchard Bank, the collection agency is Midland Credit Management and this letter is from Wolpoff & Abramson, LLP. Their RE: line in the letter says "Midland Credit Management Assignee of Household/Orchard Bank". What exactly does this mean? Is Wolpoff collecting for Midland who is collecting for Household? Did the account get reassigned/sold again? I'm not sure what to do with this. HELP!
If they are the second ca trying to collect on the same debt, search for "subsequent ca strategy" on this board.
