Quantcast
Channel: Collections Latest Topics
Viewing all articles
Browse latest Browse all 1374

Attempt to collect out of SOL Cr Card Debt - Arizona

$
0
0

Yesterday, I've a voice message requiring my an attention to "very serious matter".

Oh, here we go again. I decided to go ahead and called them back.

Attorney: Nelson, Cruz and Associates (Dallas, TX)
Client: Hovot Management LLC (Collection Agency)
Creditor: MERVYN'S [Charge Card]
File No: 2016-xxxx
Current Balance: $875.58

I live in Arizona. According my old credit reports (TU, Experian and Equifax), I made the last payment in December 2008.
I am not sure if I have on paper these old 2008 "OK", past-due Mervyn's statements and subsequent collection letters. 
This Collection Account was removed from all my Credit Reports at the End of 2015.

They claimed, that the last payment was made in 2012, after they changed it to 2011.
Looks like, I have a deal with an attempt to re-age an old debt that was long out of SOL.

Nelson & Cruz offered me a settlement 50% with a formal settlement letter.
I've sent them back Cease and Desist letter stating that under ARS 12-548 (Arizona 6 years SOL for Credit cards) expired after 2014
and FCRA 7 years for Debt Reporting expired after 2015.

Exchange was thru email, which I provided them to accelerate communications.

At this point, I am posting this as FYI about various tricky collection techniques to refresh old debts trapping consumers into debt's acknowledgment and making small payments
which would reset SOL.   

P.S. Neither Hovot Management LLC nor Nelson Cruz registered as Collectors with AZ Dept of Financial Institutions.

Also, Google does not show any "Hovot Management LLC" at all.

 


Viewing all articles
Browse latest Browse all 1374

Trending Articles