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Vital Recovery Services are a real scumbag – How can I deal with them?



Juanws

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Credits: 364.5
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Sub: Vital Recovery Services are a real scumbag – How can I deal with them?
Tue, 23/03/2010 10:40

I received a notification from Vital Recovery Services in July for an alleged old bill that I didn't pay from March of 1999. I had several old bills that I didn't pay from that same period that were on my credit report and I negotiated payment with all of them to try to rebuild my credit score. I have been successful. Now this bill pops up. If it is what Vital Recovery Services say it is, it was sold from a bank to a collection company who reported it as a credit card account transfered or sold and with a 0 dollar amount and it has not negatively impacted my credit report. Vital Recovery Services company told me if I paid 50% they would report to the original debtor as a paid for negotiated balance account but they would not guarantee that it would not be reported to the credit bureaus. They have threatened to report it in August. I sent a dispute letter to them in July and they never acknowledged in writing they received it and are offering now 30% payoff. They have been calling from 800 numbers and other 412 area code numbers incessantly. If this bill is what Vital Recovery say it is, the 7 years since I haven't paid is reached in a month or two and the 7 years since they sold it to First Select is in May of 07. The woman at Vital Recovery Services said they don't report to CB's. It sounds as if it doesn't behoove me to pay this because it might get reported if I do???



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Unregistered

Sub: #4 they wanted money i never owed...Tue, 03/23/2010 - 10:40



Here's one for the books.

One of Vital's clients sent me a check that I NEVER asked for and NEVER cashed. It must have been some error somewhere. Yet they claimed I owed them money. How does one owe money that he never asked for and accepted? Their records should have reflected that this check was never cashed. And, if it was never cashed, they should have cancelled the check and that would have been the end of it rather than harass me with calls. It???s not rocket science: cancel the damn check. Duh! How many Einsteins do Vital and their client have working for them?


Unregistered

Sub: #5 Stupid staff at Vital RecoveryMon, 03/22/2010 - 07:49



Vital Recovery keeps calling me at all hours. For months I have been trying to tell them That I am not the person they are looking for, nor do I know that person. And the phone number that the have been calling has been mine number for over 8 years. They promise me that the number will be removed from their system, but it talkes 24 hours to tell the computer to remove the number. AND I STILL GET CALLS!
You would think that they would be smart enough to look this person up and get a correct number. But I guess they can't be bothered. I just contacted my lawyer to see if I have a case for harassment. But he said stupidity and laziness is not a case.
oh, well. Maybe this time they will lose my number...
Good luck to anyone who has to deal with these idiots.


Unregistered

Sub: #6 While most states allow non-legal collections on out of stat debTue, 03/02/2010 - 20:00



While most states allow non-legal collections on out of stat debt, there are several states which have state laws prohibiting even the attempted collection of an out of stat debt. I think Wisconisin is one of them, and I think Mississippi is another. Worth checking your own state laws closely. Vital Recovery is a high volume place, better than most agencies so don't get too paranoid about them


paulmergel
paulmergel


Posts: 15338
Credits: 127042.33475864

Sub: #7 Quote:Originally Posted by AnonymousHi! I live in Wisconsin. TheMon, 12/28/2009 - 04:48



Quote:
Originally Posted by Anonymous
Hi! I live in Wisconsin. The debt is 12 years old. As far as I know, I haven't received any contact to collect the debt until Friday. I am just wondering if this will be put on my credit report. Will I have to start all over because of this? Can they take me to court, and/or garnish my wages? What should I do now? I am going to ask for a debt verification letter. Is it reasonable to request to pay the settlement amount with a casheers check or a money order? When I change my account, after reading what others have posted, I do not want them to have access to it. Thanks, Jenni


here is what you do.

1)tell them to send you details in writing
2)if they actually send something fire off an FOAD letter

you see unless this is a mortgage or student loan the SOL is past on this,and you are in one of two states that SOL actually extinguishes debt.meaning once a debt is past SOL it's no longer owed period.to summarize.unless it's the two debt above you no longer owe this,and they can't do squat without you suing them out of existence.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


Unregistered

Sub: #8 Vital Recovery Services wrote me about a debt settled 14 years aSat, 12/26/2009 - 18:38



Vital Recovery Services wrote me about a debt settled 14 years ago. Insurance company paid off a car that was immersed during a flood.

Now VRS said I owe thousands and that if I don't respond within 30 days they will assume the debt is valid. If disputed VRS says it will obtain a verification of the debt or a copy of a judgement (???) against me.

Upon my written request, they will provide me with the name and address of the original creditor if different from the current creditor. The current creditor purchased the account from the original creditor and turned it over to VRS to collect for them, according to the letter I received today.

I have not ever been contacted by the original or any other agency about this in 14 years...and now that I have been trying to clean up my credit report to qualify for a home mortgage, I get this letter. And I don't see this on my credit reports either.

I've heard people say responding to these companies can cause an account to be reopened, even if years later. What must i do now?


unclewulf
unclewulf

Posts: 3111
Credits: 31398.5

Sub: #9 Quote:Originally Posted by AnonymousSorry about that. I didn't sSun, 12/13/2009 - 16:31



Quote:
Originally Posted by Anonymous
Sorry about that. I didn't see my last post at first. Yes, I would really appreciate help in writing the letters I need to send. I just want to get rid of these people. Thanks so much! Jenni


No problem. Deal with the bank first, that's the priority issue. And let me know how it goes, if you would.

I'll scribble you up a good letter tomorrow evening after work. I've been answering 'letters to Santa' for the last several hours. It gives me a great feeling, and I really don't want to mess it up... :)

Wulfisms: my blog

The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]


unclewulf
unclewulf

Posts: 3111
Credits: 31398.5

Sub: #10 Quote:Originally Posted by AnonymousHi! I live in Wisconsin. TheSun, 12/13/2009 - 16:19



Quote:
Originally Posted by Anonymous
Hi! I live in Wisconsin. The debt is 12 years old. As far as I know, I haven't received any contact to collect the debt until Friday. I am just wondering if this will be put on my credit report.


Evenin' Jenni -

They can not put this back on your credit report. Refer back to my post in message #71 of this thread, point #3. That stuff in blue is the text of the law, quoted directly from the Fair Credit Reporting Act. I'm not an attorney, but I think that trumps what the bottomfeeder told you.


Quote:
Originally Posted by Anonymous
Will I have to start all over because of this?


No. First, you're gonna deal with your bank in order to keep them outta your account, and get your money back if required. Then, you're gonna tell the bottomfeeders to take a high dive into a low pool. Deal with the bank first, tomorrow morning first thing, if at all possible. That's much more important at this point.


Quote:
Originally Posted by Anonymous
Can they take me to court, and/or garnish my wages?


Statute of limitations in Wisconsin is 6 years on CC debt. Past that, they can still try to collect, but all they can really do is annoy you. The fact that the statute of limitations has run is an affirmative defense to a suit. That means that if they try to sue, you raise the SoL as your defense, and the case gets dismissed. You still have to answer, and show up, and raise the defense, but that's simple enough.


Quote:
Originally Posted by Anonymous
What should I do now? I am going to ask for a debt verification letter.


Don't ask for validation on something this old, if you haven't paid on it in twelve years. We'll send these idiots a cease-and-desist letter, and be done with them.


Quote:
Originally Posted by Anonymous
Is it reasonable to request to pay the settlement amount with a casheers check or a money order?


That's your right, if you want to settle with them for some reason. But why? The card company has been paid by the debt buyer they sold your account to. They're completely out of the picture. VRS is a junk debt buyer, several levels down the food chain. Anything you give them, they're going to keep for themselves. And so you'll know, they likely paid something less that half a cent per dollar of face value for the account. And now they want you to give them 200 or more trimes their investment, for their stupidity. Does that sound fair to you?


Quote:
Originally Posted by Anonymous
When I change my account, after reading what others have posted, I do not want them to have access to it.


Be sure to tell your banker that when you talk to him in the morning. He needs to know that you were scammed out of your account info, and work with you to keep them out. At minimum, I'd suggest closing your account, and opening another one.

Wulfisms: my blog

The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]


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