Hi there, I was just wondering if anyone could give me some advice about what to do about my charged off account situation...I posted a message a few days ago but no one responded. The CA/attorney has been calling and is threatening to sue (in fact they scared me into making a payment arrangement w/ them when I would rather do a lump sum sometime this month, I just didn't have the $ at the time they called)....I just got a new copy of my CR and here is what I see...I had a discover card it says that it is a charged off account/account transferred or sold....I also had a Bank One (I think it turned into FUSA) card that was charged off. I feel like a real idoit because even w/ the key I am confused as to what dates are those of the last activity...I'm thinking the Disc was charged off 5/97 and the other in 6/98. Below that I see that Gulfstate Collection Agency has listed one of the accounts twice....I made a payment arrangement with them and stopped paying after they never sent me an agreement in writing...there are 2 separate listings from them both with the same amount...one has what looks like it deducted what I paid in. I think that a CA called Midland is also trying to collect on this account. Oh, my CR is so messed up I don't know what to do! Now, the people that have contacted me now are pretending that they represent the actual credit card company (I know the cc co has been out of the loop for years now), I don't see them anywhere on the report but she says they have both of the above accounts...they are a local attorney's office. She agreed to a 60 percent settlment, but should I request where the debt is from (since I'm not sure since they got moved around so much), should I settle?...any advice would be greatly appreciated! fjh
Midland Credit Management is probably trying to collect on the Discover...They are the same CA trying to collect on my Charged off Discover. Send them a validation letter, Certified Return Receipt. They came off my equifax without a hassle. Don't settle, validate first. See the letters section of the board. Good luck!
fjh, is the collection atty in your area or in another state? Since you are confused about these debts and it looks like more than one ca is attempting to collect on the same debts you need to request validation. Also I would ask them for proof of their authority to collect the debt, since you feel they are misrepresenting who they are collecting for. Tuit
Unfortunately they are in the city and state that I live in and I stupidly provided them with my new address! Yes, I feel as though they are completely misrepresenting themselves because the woman from the attorney's office said she was from the original credit card co until I said that I knew she wasn't...her response was that I still owed the money, I will send them a validation letter. What should or can I do about the same debt (I think) being reported 2 times on my CR? Thanks so much for the info. fjh
