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I had a credit card with Plains Commerce Bank. 2003 was the last payment made on this account. In 2006 Total Card Recovery contacted me and sent them VOD letter. Nothing came back from them. Now I just got a letter from Zenith Acquisitions Corp trying to collect on the same account. Just mailed them VOD letter today. What should I do next?




What state are you in? You need to determine whether this debt is still within SOL. Sending the letter was the correct thing to do but while waiting to see if they respond, you need to know about SOL in case they do answer.

Sub: #1 posted on Wed, 05/30/2007 - 23:03

Here to Help Here to Help

(Posts: 104 | Credits: 26.59)

Can't add to that! Good advice. You did the right thing by sending the letter again. The first company could not respond so they sold you to a new one most likely. Thet won't have the info either. Be careful not to acknowledge even a dollar of it. If the SOL applies or is close they will try to trick you with an offer. If you counter you have just renewed the SOL from that date. The "bad guy" may try intimidation first and then the "good guy" will call with an nice offer to settle. Do not fall for that one.

Sub: #2 posted on Wed, 05/30/2007 - 23:19

Frogpatch Frogpatch
Moderators Cum Industry Expert
(Posts: 5381 | Credits: 652.52)

Be aware that some states allow recording of collection calls with one party consent. If you just make a commitment or an agreement to pay the debt, the CA might use it against you and file a legal case. Check your state laws before talking to the CA.

Sub: #3 posted on Thu, 05/31/2007 - 03:05

mute805 mute805

(Posts: 197 | Credits: 33)

I live in NJ. Believe the SOL is 4 yrs. Last payment made in 2003.

Sub: #4 posted on Thu, 05/31/2007 - 17:06

Unregistered


i was sent a bill in my brothers nameand they want me to pay it because it was billed to my fathers addressafter he died.they say that i lived in virgina but i mavent gone through there in a couple years,and i never lived there. the lawyer that close my dads estate said he would take care of it. then said later that i didnt need to pay it because it wasnt my dads.But now it is on my credit report and i owe zenith acq corp.

Sub: #5 posted on Sun, 12/07/2008 - 00:55

dvdrock13 dvdrock13

(Posts: 1 | Credits: 0.34)

I GOT ANOTHER LETTER FROM ZAC. COLLECTION ACGY.& I
FAXXED IT TO SNESAA. THEY ARE MY REPRESENTATIVE PAYEES. THEY ARE TAKING CARE OF THIS RECENT BILL. I ALSO WILL CONTACT THEM TO MAKE SURE THIS SETTLEMENT
GOES THROUGH TO PAY OFF MY BILL & IT SHOULD BE NO LATER THAN DEC.31 HAPPY HOLIDAYS.

Sub: #6 posted on Sun, 12/28/2008 - 07:13

Unregistered


Hello,
Almost every day Zenith Acq. pre-recorded message looking for someone I don't know. Can I get them to stop without giving out a ton of information about me?
Thanks

Sub: #7 posted on Tue, 08/04/2009 - 23:35

Unregistered


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