providian credit card put my bill in collections

A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. They are both reporting the same account and account balance. Please write me at v.romero@yahoo.com. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. Then contact the debt collector by phone or mail to propose the plan. What do I do? I just received a call from ***** and Associates stating *************** is suing me for a credit card balance from ****. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. 02:28 PM. ComplaintsBoard.com is a leading complaint resolution website on the Internet. Some collectors refuse to work with the latter, but are obligated to work with an attorney. widgetinstance 213 (Related Topics) skipped due to lack of content & hide_module_if_empty option. They have a website that list a single email address, but no physical address or phone number. Paying off a debt in collections can get debt collectors off your back and put you on the path to restoring your credit and reclaiming your finances. Prior experience includes news and copy editing for several Southern California newspapers, including the Los Angeles Times. Further information is available in our FICO Data Privacy Policy. I have free, top notch attorneys for as long as needed. Even if I did, staute of limitations passed over 15 years ago. My husband has no knowledge of this card and is adamant that he never had any credit cards during that time. Beyond answering listeners' money questions on "Smart Money," Sean also interviews guests outside of NerdWallet and produces special segments to explore topics like the racial wealth gap, how to start investing and the history of student loans. You won't go to jail for your debt, so if the collector says that you will, they're lying. What are you willing to offer me to settle this debt? Tayne says. I wanted to see if anyone else had dealt with them and the results of that first. and we called the guy was talking so fast n wouldn't slow down. Break off contact with them and file a complaint. Never heard from them, or any collection agency about it, which tells me they accepted the settlement payment, the agreement also, & lived up to it. I've called recently and numerous times prior to take me to court for the past 10 years, so far they haven't. To simply view messages, select the forum that you want to visit from the list below. You also cant be sued in any county other than where you lived when you signed the contract or at the time the lawsuit was filed. Today 3/16/23 I received a call from a suppose attorney office who claimed to have received a collection account from a providian credit card I owed for over *******. You can do this yourself, even though many debt settlement companies will try to get you to pay them for this service. That bank no longer exists, anybody that calls you or tries to serve you any papers, you have to fight back. Sean Pyles leads podcasting at NerdWallet as the producer and host of NerdWallet's "Smart Money" podcast. Can collector come after me for 20-year-old debt? - Yahoo Finance Payment history is the largest contributing factor to your FICO score. Read more:These newlyweds paid off $21,000 in credit card debt by following their own ruleshere's exactly how they did it. His writing has appeared in The New York Times, USA Today and elsewhere. There are risks with ignoring a debt in collections, like completely destroying your credit score and getting sued by the collector. When Do Accounts Get Sent to Collections? The court clerk will then attempt to reach the judgment creditor and, if their efforts fail, the money reverts to the state presumably to help widows, infants and orphans. Contact the National Foundation for Credit Counseling (NFCC) and ask towork with a nonprofit credit counselor. However, real debt collectors still have to obey the law. Account closed, zero balance due. The only thing is that I cannot find any recent information on Sherman. For more than 15 years we have helped nearly 50000 customers resolve their issues and will never stop striving to ensure further improvements on our platform for a better communication between companies and customers. In any case, the scammer will use all sorts of techniques to get you to pay intimidation, lies, harassment, etc. The CFPB recommends creating a realistic repayment proposal that is based on how much you can afford in payments each month, after accounting for bills, other debt payments and emergency costs. Meaning of providian. Funny thing is it has never been on my credit report as I never had a credit card until 2007. The new balance most likely reflects the interest which is common. There is an introductory balance transfer fee of 3% or $5, whichever is greater for transfers completed within the first 4 months of account opening. Guess who wins. Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. My husband and I just got our account frozen by a lawyer stating we owe a debt of $6565 to PROVIDIAN NATIONAL BANK from 1999! My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. I am far from unreasonable, and I pay what I owe, if I owe. That's ugly". Because if you don't pay this, that is where you are going! She is elderly and I made sure we called them together. First of all, the law prohibits debt collectors from lying, threatening you with things they can't do or posing as government officials. so make sure they arent scamming first and do research before paying. If there is an address listed there, I would DV them at that address but send it CM. Youll likely be informed via a letter in the mail, or a collector will start calling you. when we moved to Kentucky his mother was living with us they tryed to collect from us told them that she was in a old folks home gave then the address and phone number and have not heard from them in several years its not ours they said he was on the card to and asked them to send us the form where it had his name on it but never got it so they are crap out of luck. Finance and CBS News Radio. Net change, score up from 584 to 598. After evaluating the debt and coming up with a plan, its time to contact the collections agency. Here is a list of our partners. How to Deal With Debt Collection - NerdWallet To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. her balance was 600 dollars and providian who ever they are IS TELLING HER SHE NOW OWES THEM 9, 000 DOLLARS AND IS now garnishing her wages without any contact to her NO CERTIFIED COURT ORDERS NO STATEMENTS NOT NOTHING! Providian bank credit card - Legal Junkies Forums His credit report had so many errors on it. Travisbailey80@gmail.com. Hello i am getting calls from a bill collector telling me they Does Paying a Collections Account Help Your Credit? Johndowning01@gmail.com Also known as PROVIDIAN NATIONAL .A collection agency has sent me a letter stating I owe them for a credit card I never even had.From an address I never even lived at on 9/04/2009. Login . NerdWallet strives to keep its information accurate and up to date. The U.S. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Its expected to pass by the end of the year, so consumers should pay attention to the final changes. There are exemptions to this, so you may want to consult a tax expert. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Who would get the money. There is plenty of information on them as a rip-off artists on ripoff.comandsuch on the internet but no information on the actual company. Providian Visa Platinum Card. Typically, collections remain on a credit report for up to seven years. OLD CC COLLECTION DEBT/RIP-OFF SCAM. Ignoring a lawsuit over a delinquent debt puts your wages, bank account or property. My bank account is now almost $1000 over drawn and there is nothing I can do about it. will try to get you to pay them for this service. How Debt Collection Scams Work. Negotiating a settlement takes persuasion and caution. And be on the lookout for the signs of a debt collection scam. This is a total waste of my time and resources and if I prevail I will counter sue them as per the FTC. But if you've let it go unpaid for months, your issuer could pass it on to one of over 7,000third-party collections agencies in the U.S. I'm currently on disability being sole source of income can't afford nor verify this debt. The debt is over 3 years past the SOL. You may have inadvertently reaffirmed the debt - which can now be put on your credit report. ), I was never advised of this debt prior to summons & most important I DO NOT OWE! My credit report is clean.

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