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

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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???




It is your moral duty to pay the debts but you should pay to only those who are authorized for this collection. Don't end up paying to someone who didn't have your file and tried to pocket your money. Send Vital Recovery Services the dispute letter once again and ask for the debt validation. Without the correct info, don't send a dime

The debt maybe out of the SOL period depending upon your last payment date. So there are no chances if someone can sue you for this debt. But the debt remains valid and you can pay it anytime. Vital Recovery Services will threaten with all possible lawsuits. Make sure that the last payment date has been out of the SOL period. When you are confirmed about this, make Vital Recovery Services aware about your federal rights.

Negative information stays in the credit report for seven years from the date of first delinquency. If you plan to pay this one, make sure that you do it in one time otherwise the reporting in your credit file will get longer upon each default.

Sub: #1 posted on Fri, 11/03/2006 - 00:40

onelamb onelamb

(Posts: 433 | Credits: 27.85)

Thank you for your reply. Can you lead me to a sample letter that talks about debt validation. thanks, jon

Sub: #2 posted on Fri, 11/03/2006 - 01:15

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Sub: #3 posted on Fri, 11/03/2006 - 01:24

jedijeff13 jedijeff13

(Posts: 1734 | Credits: 8.92)

I realize i may owe this debt.i am moraly obligated to pay it if it is legimate .however i do think it is past the sol,,,i would like to contact the origianl
Debtor,,but not sure if i should,this company that contacted me hinted at legal action.can they do this ?
Since it is way past sol?

Sub: #4 posted on Sat, 10/20/2007 - 06:19

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If the SOL is expired then Vital Recovery Services cannot file suit against you (if they do you may use the SOL as your defense) in addition to that since Vital Recovery Services have threatened suit when they cannot legally do so it is a violation of the fdcpa which carries a civil penalty that may be pursued by the debtor (you) up to $1000.

Sub: #5 posted on Sat, 10/20/2007 - 08:14

JCEMT JCEMT
Moderators
(Posts: 2934 | Credits: 192.01)

Robert, I don't think they can take legal action if it is past the SOL.
Juanws, am I understanding correctly that you have already taken care of this debt that has popped up with a previous negotiation? If so then you should probably send a DV letter to Vital Recovery Services and give them 30 days to reply. Have you done this already? If not, then send one and make sure to send it return receipt requested.

Sub: #6 posted on Sat, 10/20/2007 - 08:16

eleroo eleroo

(Posts: 1220 | Credits: 153.92)

This is the owner of Vital Recovory Services.
Feel free to call him at home and let him know that you do not appriciate his business practices.


CHRISTOPHER J. SHULER

2768 Grey Moss Pass
Duluth, GA 30097-4901

(770) 622-6447

Sub: #7 posted on Wed, 10/31/2007 - 07:16

nook1969 nook1969

(Posts: 1 | Credits: 0.43)

Don't pay Vital Recovery Services anything, if you don't know if you owe it or not. These people have been calling me, multiple times and at illegal times and the person doesn't live here. When I try to tell them this, they talk over me and are rude. I don't think the people I've talked to acted professional, so I doubt they are legitimate. I will be reporting them, so I am sure to find out!!

Sub: #8 posted on Thu, 02/14/2008 - 03:40

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yeha, I know this is an old thread, but for anyone who might deal with them in the future, take a good look at the first post in this thread.

First they say they bought the debt--it was sold by the original creditor:

Quote:
If it is what they 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

Then, they want to bring the OC back into things to try to give them a way out...

Quote:
VRS 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.


There is no report to the OC once the debt has been sold--the OC no longer has any interest or business with the account. Another thing that strikes me odd--on the credit report it showed with no balance owed, and then VRC was trying to get this guy to pay them money anyways.

Everyone--if you deal with this company, demand validation and get EVERYTHING in writing.

Sub: #9 posted on Thu, 02/14/2008 - 04:18

skydivr7673 skydivr7673
Moderators Cum Industry Expert
(Posts: 2037 | Credits: 579.66)

I keep getting calls from this company looking for a family member who died in 1980. I informed them of this, asked Vital Recovery Services to stop calling and they refused unless I provided them with MY personal info.

Sub: #10 posted on Fri, 04/11/2008 - 05:12

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