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This collection account is old, very old. It has been sold off at least a couple of times. I have never asked for verification from any of the previous agencies that owned the debt, I just ignored them (though I did keep some of the letters, the last one being from "LVNV" offering me a...

I hope someone can reply to this new information I've discovered: I've been going over the few pages of the so-called contract they sent me, and I noticed the name of the "original creditor" they list is US Bank. But then I looked at a collection letter regarding this same account, from a...

I appreciate your answers, thank you for your advice! As far as the bank account that I paid them from, it's in my husband's name only- not a joint account, and the credit card was in MY name only, not joint. So legally, they wouldn't be allowed to garnish from his account, right?

Since they didn't send anything except two pages of my "contract", does this mean they did not fully verify the debt? They didn't send anything stating that they have a legal right to collect the debt, nor did they send a breakdown of why I owe what they say I owe. They didn't send an "affidavit...

I have an old credit card debt that was charged off by the original company several years ago and has since been sold off to several agencies. The most recent one claims to be a law firm representing a collection agency. My first contact with them was by phone, when they threatened to take me to...