Quote:
Originally Posted by roybean
I read the thread and it's the same; I thought there was more info. Sounds like an attorney is collecting for citfinancial, right? Do you have copies of yours and your wife's credit report?
I need to get hard copies, how do I do that
And if they took money out of your account and are still after you, then there wasn't enough in the bank to cover the entire debt, correct?
They illegally took money from my account and caused it to overdraw.
You need to move your bank account; I don't know if Texas is community property state, but one of our members will ring in on that part.
I have changed accounts & banks
Send a DV to the attorney, get both credit reports (not online; the hard copies), make a folder for all letters you receive, and anything that you write to them send by certified mail asap. One more thing....STAY OFF THE PHONE unless you're recording.
I am sending a DV today. I called them and they asked for the reason for the dispute, I told her I do not need one, she said I would when they replied, as she was the account holder.
Sounds like this has been going on for a while, do you have more details without putting any personal info on the board?
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This has been going on for close to 2 years. The debt was sold off to NCO and the attorney's letter states they are collecting on behalf of their client.
Can this go against my credit, we were not married at the time and I know Texas is a Community property state.
Ian