[spinn]

Easier said than done...........but, you can not let your emotions get the best of you. That is where these people live.

Just record it as often as possible, document the calls as best you can, and file police reports every time they make 25 calls or whatever random number you want to pick.

[cprems]

Originally Posted by hannah

NCO collects third party as well as buys debt. Are you sure they bought it? Did your wife send a DV? In TX if she send a DV letter, they have 30 days to validate.

Did you move your bank account? You need to do so or at least notify your bank not to honor any more withdrawals from them.

Not enough info to form a strategy. You need to find out if NCO actually owns it or is collecting 3rd party first and foremost.

I sent out a D/V Dec 27th 2007 and they received it on the 31st December. It has been over 30 days and NO little green card and NO validation from the Attorneys. What what now ?

Ian

[jlynn]

Originally Posted by cprems

I sent out a D/V Dec 27th 2007 and they received it on the 31st December. It has been over 30 days and NO little green card and NO validation from the Attorneys. What what now ?

Ian

Green cards don't make it back to the sender on a regular basis. Go to the USPS site, input the Certified mail number in the tracking box, and print out the confirmation of delivery from there.

You are in TX - if the CA you sent a DV was NOT reporting on your credit report, they do not have to ever respond to you, they only must stop collecting. Need confirmation if they were on your report when you sent the DV.

[cprems]

Originally Posted by jlynn

Green cards don't make it back to the sender on a regular basis. Go to the USPS site, input the Certified mail number in the tracking box, and print out the confirmation of delivery from there.

You are in TX - if the CA you sent a DV was NOT reporting on your credit report, they do not have to ever respond to you, they only must stop collecting. Need confirmation if they were on your report when you sent the DV.

Whats weird is that Citifinancial sold the debt, but its not being listed by this party. Its only delinquent and in collections. They were NOT on my wife's report. So I Dv'd them and they go away, is this correct

Ian

[jlynn]

Originally Posted by cprems

So I Dv'd them and they go away, is this correct

Ian

That is always a possibility.

[cprems]

Originally Posted by jlynn

Green cards don't make it back to the sender on a regular basis. Go to the USPS site, input the Certified mail number in the tracking box, and print out the confirmation of delivery from there.

You are in TX - if the CA you sent a DV was NOT reporting on your credit report, they do not have to ever respond to you, they only must stop collecting. Need confirmation if they were on your report when you sent the DV.

JLynn & Enigma, THANKYOU for enlightening me. I did some other searches and I believe that I have the search format where I can get around the site. I appreciate the help. I guess only time will tell. I will be calling Citifinancial tomorrow to see if they actually sold this debt, as it is not reported on DW's CR as such. I was told they sold it, but I will double check for sure.

Another question when a debt goes 150+ days and goes into a new year does it start the reporting at 01/07 30 days late, when it was 150+ days late in Dec 06.

Ian

[jlynn]

Originally Posted by cprems

Another question when a debt goes 150+ days and goes into a new year does it start the reporting at 01/07 30 days late, when it was 150+ days late in Dec 06.

Ian

No it goes to 180 days late in 1/07. Credit reports stop counting after that.

[cprems]

Originally Posted by jlynn

No it goes to 180 days late in 1/07. Credit reports stop counting after that.

Hmmm... Well it started reporting 30 days late, then 60 days. Does this look like it was possibly "reaged"

Ian

[jlynn]

No it doesn't sound like it was reaged. Assuming you never paid on it, they will generally report in sequence 30, 60, 90, 120, 150, and 180. Depending on the creditor, they will generally charge it off between the 120 and 180 day point. At that time it will show up as a charged off/written off, etc., but all the late months leading up to that will still be reported.

[cprems]

Originally Posted by jlynn

No it doesn't sound like it was reaged. Assuming you never paid on it, they will generally report in sequence 30, 60, 90, 120, 150, and 180. Depending on the creditor, they will generally charge it off between the 120 and 180 day point. At that time it will show up as a charged off/written off, etc., but all the late months leading up to that will still be reported.

Should it not read 12/06 150 + days, 01/07 150 + days NOT 30 days as stated on the CR. Just seems odd as we have made NO payment on this debt.

Ian

[jlynn]

Originally Posted by cprems

Should it not read 12/06 150 + days, 01/07 150 + days NOT 30 days as stated on the CR. Just seems odd as we have made NO payment on this debt.

Ian

Should have said that in the first place. No, it shouldn't recount, unless you have made a payment.

[cprems]

Originally Posted by jlynn

Should have said that in the first place. No, it shouldn't recount, unless you have made a payment.

Jlynn, sorry I did not make myself clear. There has been NO payment made on this account in over a year. What are my options ? How do I "prove " it was reaged - Do I need to prove this. I guess I could post her CR sans info.

Ian

[jlynn]

The account history being weird does not necessarily mean its reaged. What credit report are you looking at? EQ reports a Date of First Delinquency, TU and EX sometimes report a date of removal that you can calculate from. Those changing would confirm or deny a reage.