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I just received a call from Christy and she said an old Sears debt of my husbands had been turned over to her and it was a "prelegal account". I asked her what that meant and she said they were just before legal action and these folks meant business, they could and would place a lien on my property, garnish my wages, etc. I told her I had no money to pay anything and she told me that she represented LV Funding. I told her I had gotten other calls and had sent validation letter with no response. She said the validation was my credit report to check it and I would see the validation. I told her again I had no money and she said she would email LV Funding and asked it they would accept a settlement (in monthly installments). Someone please advise me...I don't further action from these people!

Send these people another DV letter, a credit report is not a validation; how do you know they evenown the debt? There are many scammers out there.

Sub: #1 posted on Mon, 07/28/2008 - 22:32


Is it LVNV? What state do you live in? When was the last time you paid on the account? How is it reporting on your credit reports? If you have previously DV'd the same CA and your DV was timely (w/in the initial 30 days) collection efforts must cease. Please provide more info so we can better assist you.

BTW - CA's love the term "pre-legal" it jsut sounds BS for the most part.

Sub: #2 posted on Tue, 07/29/2008 - 00:27

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I responded to your message on my page. If you register, I can PM you a lot easier.

Sub: #3 posted on Tue, 07/29/2008 - 01:29

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