[JCDC]

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?

[mr.yet]

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.