Well y'all, after I opened the Cap 1 offer and got approved, I figured what the heck when I saw an envelope from Bank 1 (Chase). This however, was not what I was expecting. As I said in the last post I did a BK7 about 14 months ago. About 16-18 months ago I had asked Chase....now Bank 1, to provide complete validation of the debt......which they did not do. So the letter today came with a "statement" from May 13, 2003 along with a "cancelled" check written by me April 4, 2003 and a letter from one of their "specialists" saying this proves the debt was mine, blah blah blah...... Then they ask me to either acknowledge liability for the debt by sigining one form or to sign an affadavot declaring this debt did not belong to me so they can conduct an "investigation" with their fraud team. HAH! They wait over a year and a half and suddenly wake up???? I don't really care about the letter or collection because the OC was IIB as was the CA. My question is, should I even respond and if so any suggestions? TallSmith 14 months post BK 7 Have not checked credit score but it must be OK. Approvals: Orchard $1000 (Unsecured) Cap 1 $1500 (even after I BK'd them) (Unsecured) FNB VISA $500 (Unsecured)
Not only that, I believe they're in violation of the law by even contacting you. Bankruptcy means they are not allowed to contact you, and also as with any debt, if they know you have an attorney, they must contact the attorney. Depending how bored you are this holiday weekend, you might want to rattle their cage about damages for their harassment on this matter. Spend some time on the other side of the fence. Good hunting.
