LVNN Funding LLC RE: old Gateway account in 1999 for $1100 (however paid on it in 2001) sent me a judgement letter for $3500 saying they were going to garnish my wages, so I called them and made a settlement for $1400.


A few days later, I received a 30 day notification form from LVNV Funding LLC for an old providian account balance of $400 (last paid in 2001). They are saying I owe them $1200.


I'm feeling very overwhelmed because it looks, like I may have 3 other small accounts with LLC collection agency all from 1999, last payment 2001.

I'm starting to see they are giving me one after the other. In 2005 I had a MBNA account with this collection agency.

Is this common for all old credit cards to go to the same collection agency? I thought credit cards went to all different collection agencies. I also thought the others had been written off due to the statute of limitations in CA being 4 years, but now does this collection agency LVNV Funding LCC have the right to bring them all up?

Please tell me what is my best plan of action?

Yes they can, since they purchase debt in a package deal.

You have to dispute all accounts and request validication of each alleged debt. Look under Bankruptcy & Debt in the forum, there are example of these.

SOL simply means they cannot sue you in court, it does not discharge the debt.