I must have talked up Providian. In a previous post about Providian and CB&T, I stated that I had an collection item on one of my CRs that I was afraid to dispute because I thought since I hadn't been contacted about it in almost two years it was better to leave it alone. Well, last week I was contacted by another law firm representing the CA regarding the account. The person calling seems aggressive. Then I get a letter this week. I'm going to send out a DV letter but I'm just wondering whether the law firm would have documents proving the debt is mine. There hasn't been any activity on the card since 9/00, the SOL is six years in my state so I'm deducing that why I sense the aggressiveness. Is Providian good with keeping up and passing on their records to CAs and how long do they keep their records?
I neglected to put this in the previous e-mail. I went to the CA law firm's website and I saw the following as part of their mission statement: "..has forged ahead and has combined the best elements of a collection agency (heavy phone activity supplemented by our "SmartDial Predictive Dialing System", skip-tracing and asset locating personnel, etc.) with the power of a law firm to commence and litigate suits and to use all the legal tools available to enforce and collect our clients' judgments." What is SmartDial Predictive Dialing System and skip-tracing? Even though this law firm is headed by two attorneys, it sounds more like a collection agency trying to pass itself off as a law firm. I would like to list the website but I know that there are "eyes watching"! Thoughts about the law firm?
