Good question... I dunno what is the right answer. I'll do some poking around and get back to you if I bump into an answer. You should email the people at Discover Card as they probably know..

Interestingly enough, I just got a letter in the mail from NCB Management in regards to everything I've written above:.

RE: Worlds Foremost Bank.

Acct# xxx.

File # xxx.

Balance $6313.46.

Date: 01-04-2010 (I JUST GOT THIS IN THE MAIL!!!).

DEAR (ME):.

IN THE PAST YOU HAVE RECEIVED NOTICE OR PROMISE TO MAKE SATISFACTORY ARRANGEMENTS IN ORDER TO RESOLVE THIS ACCOUNT..

YOUR NON-COMPLIANCE MAY RESULT IN THIS OFFICE RECOMMENDING TO OUR CLIET THAT THEY PROCEED WITH SUCH ACTION AS THEY DEEM APPROPRIATE..

Sincerely,.

ROBERT SMITH.

(this is the guy that always calls, then transfers me to BUNNY who then berates and threatens me).

What address do I send my dv letter too? I seem to have quite a few different addresses....

On the letter, NCB Managements has a PO Box in Langhorne PA.

On the envelope the letter came in, the return address is 655 pullman ave, rochester, Ny with no company name.

Registered in state of oregon, NCB Management Services Inc 1 Allied Dr Trevose PA.

The area code in which she calls from, is 215 which is PA. Why would this letter have an envelope from one state with the letter inside showing a different address and state? Which one do I mail my correspondence too? This letter is making false allegations, I have tried repeatedly to set up a payment plan with them which they flat out refuse, only demanding settlement!!!.

This post has been edited by scrappy: 28 January 2010 - 03:55 AM..

I was just looking at sample letters on WhyChats website... he includes a debt validation form... is this something I need to include as well or is the letter with ltd c&d sufficient....

His letter is SO MUCH longer than mine, and demands so much more!.

Http://whychat.5u.com/ltrcaval.html..

Just mail in the dv with the limited C&D for now...

I have 3 different addresses, which one should I use-.

On the letter I just received I posted above, NCB Managements has a PO Box in Langhorne PA.

On the envelope the letter came in, the return address is 655 pullman ave, rochester, Ny with no company name.

Registered in state of oregon, NCB Management Services Inc 1 Allied Dr Trevose PA..

The reason for the different addresses (on envelope vs letterhead) may be due to the CA using a company to mail everything out in bulk for them..

Typically the one address on letterhead is where you want to mail to..

CMRRR...

About the call on Friday... remember this is the last Friday of the month, meaning that yes, collectors will even more relentless since they must meet quota. Do you want to talk to someone who is NOT going to rationalize anything with you - because they are going to be focusing on that quota no matter what. They probably chill a little by next week. I would go out for the day and forget about them. Do not pick up the phone.

The probably start to back off a bit and offer you to settle for a LOT LOWER then..

This post has been edited by x-large debt: 28 January 2010 - 12:09 PM..

Funny you say that, in one of our conversations- she said my debt "wasn't even enough to even file bankruptsy" so that wasn't an option for me.....

I know it costs more, but I would send it to all 3..

Try reading these threads:.

Http://creditboards....howtopic=278252.

Http://creditboards....howtopic=179276.

Keeping a detailed call log (as XL suggested) is very important..

I keep a notepad just for this kind of thing, but it can be as fancy as this:.

Http://www.fairdebtfaircredit.com/Collecti...cations-Log.pdf..

Remove the false sense of urgency the CA has made you feel. They are tricks to get you emotional and make mistakes. Stay cool, and act methodically. You can flip this on the CA and put them on their heels. This may be the dumbest collection agency I have ever heard of...

I am going to mail the dv & ltd c&d right now- to both addresses, the one in pelham looks to be a mail handling company. So- off I go... in the wild blue yonder. Tomorrow I will decide on how to handle the calls... I will also inform them, after they indicate they are recording my call- that I am recording also and I am formally requiring them to stop all phone communication as per the letter they receive on friday.....

Here is the letter I'm taking in today:.

January 28, 2010.

NCB Management Services Inc.

One Allied Dr.

Trevose, PA 19053.

RE: World's Foremost Bank, NA.

File#.

To whom it may concern:.

I have received your letter (copy enclosed) dated January 4, 2010, and recent communications via phone in which you claim that I owe a debt of $6,313.46.

This letter is to inform you that I dispute this debt in it's entirety, and I request that you provide validation of this debt pursuant to the Fair Debt Collections Practices Act (FDCPA). Also, please provide the original creditor's name, address, and date of last activity. I must state that phone calls to my home are inconvenient and calls to my place of employment are not allowed. This letter is formally requesting that NCB Management Services Inc. cease and desist from contacting me, my family members, and friends via phone. Please contact me via USPS only..

I thank you in advance for your prompt attention to this matter..

Very truly yours,..

"Phone calls to me are inconvienent. Please keep all correspondance in writing and sent to the address listed at the top of this letter.".

Dont try to be too wordy with it, you leave yourself open to misunderstanding. Example: You only revoked their permission to call your work and home numbers, they can still call your cell. Just revoke permission to call any number at any time..

Also, I dont think I would include the term "cease and desist.".

This post has been edited by Bobbydebt: 28 January 2010 - 02:56 PM..

Thank you bobby, I removed the cease & desist portion. I'm on my way!..

Good luck, OP. The feeling that comes with being proactive against a POS DC like this feels great.

Go have a couple drinks tonight, laugh and let these punks pound sand...

Yeah, I would probably would have said this to the CA...

Thanks, what's your name again? Bully? err... oops I mean Bunny. You know what??? That's a brilliant IDEA!!! I totally forgot about BK. Thanks, I'll look into that. :::CLICK:::..

I know that I will receive all sorts of harrassing calls tomorrow because the "deadline" she gave me will be up... she even gave me a time that I needed to respond by tomorrow becuase my check had to be I "in the system" by 2 pm EST to avoid my file being returned to the OC as failure to pay. I'm going to record my conversation- I know that she will start by stating the call will be recorded (she is in a 2 party state) and because I'm in a 1 party state- then I feel I can hit the record button as long as she has stated the call is being recorded!!! I need to get some of her threats on tape. I have a feeling that I'm in it for the long haul with this company - so I need to have as much ammo as possible, and when I contact CHASE about this situation, I want to KNOW that I have proof on hand. Now that I've read what other people have said to collectors... and now I know what my rights ARE - I feel like I can ask the right questions by playing stupid so she will make all the same threats again.

I think I made a mistake tho... instead of mailing the letters certified registered mail, I mailed them express with signature required. I was told by the USPS man at the counter, that this was the same thing. Now I feel like dumbo again, however- I can track the package, find out the exact time it was delivered and see the signature online and I know she will receive it TOMORROW before noon to both locations. I know this is overkill probably, however- like I said, I'm in this for the long haul and need to make sure all my duckies are in a row to get this incredible lying JERK off my back..

I'm going to try and get her to restate her threats that:.

My debt will be reflected on my husbands credit report and will therfore ruin his credit.

If I don't comply with the settlement offer, the file will be returned to the OC as failure to pay which will result in a law suit.

That I broke the law when my initial autopayment was returned for non-payment because it "crossed state lines".

That they will continue to exhaust all efforts to reach me by any means possible based on the background check they pulled on me, and will continue in these efforts so they can notify the OC that they did everything in their power to reach me... (when I've talked to them repeatedly so they obviously know my location!!!!).

That if I don't beg, steal or borrow the funds for the settlement my credit will be ruined, the law will "catch up" to me and I will end up in a law suit by their "client" for the full amount plus interest and damages.

That their "client" being Chase will NOT accept a payment plan, only settlement offer (I am in the process of contacting Chase for verification on this as this was just charged off at the end of 09').

I know there are more... I just have to review all the conversations I've had with these people with the dates of calls etc. and keep track. Tomorrow, I will have another piece piece of verbal evidence aside from the voicemails she has left threatening to contact "althernate" numbers if I don't comply....

Wish me luck tomorrow.....

Call an attorney tomorrow morning and set up an appointment for a free consultation (just to get a pro's opinion and know you have someone who would take the case on contingency). Before you get off the phone with her/him say:.

" Im really glad you took the time to speak with me, and I am looking forward to meeting with you. But, I need some help regarding our state recording laws. The CA rep is going to be calling me today, because I missed my 'deadline' with her. The rep said if I didnt pay today she would send the debt back to the OC, who would then sue me..

I want to record her violations, can I? She calls from PA, a 2 party state............etc.........".

When you ask for help people usually do not turn you down. The bolded part above is a very important phrase to use..

Get the idea? I dont advise doing this just to use the attorney like a piece of meat. Dont do it unless you will take your evidence to the attorney for review, but that doesnt mean you have to sign their agreement if you two are not a good fit..

This post has been edited by Bobbydebt: 28 January 2010 - 11:35 PM..

Ok, called cabelas/Worlds Foremost Bank- and spoke with an analyst. Gave them an overview of what their collection agency has told me. He stated they are under contract with them, or he'd pull the account back. He then tried to see if it were ok for him to email them with what he would recommend any settlement offer to be. Evidently, he couldn't because of their contract with them. He told me, that this company had no authority to threaten suit, and they should NOT be making those threats.

He said that he would recommend my making the offer of 40% settlement in 10 installments. He said if they continued to refuse this, then call him- he'd note the account, it would come back to them and the settlement would be offered regardless. I told him that the CA indicated that any offers had to be authorized, and he said- that is what he would be able to authorize- there is no reason why they shouldn't offer a payment plan, for a reduced settlement..

SO... I have my handy dandy recorder... and call in to talk to Bunny or Rob. NEITHER are available- I keep getting routed to their voicemails. I then route myself back to the operator and tell her I must speak to someone immediately as I had been given a deadline to call, and cannot speak to a real person. She pulled up my account and routed me to "Greg Brewer".

I indicate that I was told by Bunny that I must call back in today by 2pm est that my account would be referred back to the OC and I'd be sued... he immediately started stammering. I told him that I called Worlds Foremost Bank because I could not come up with the amount she was demanding, and they recommended an amount with a payment plan. I informed this man that payment plans had been refused thus far... he asked me what WFB had recommended and I told him.

I then told him, that while I had a "supervisor" on the phone, that I wanted all communication with BUNNY and ROB to stop. I had sent in my letters, and I have proof of receipt of those letters. I told him that I'd been threatened suit, which I know she cannot do now that I've discussed this with the OC- and that I have voicemail threats of her contacting my alternate numbers which she cannot do because she has already LOCATED me and I've not refused her calls up to this point. He said he'd review the phone transcripts- none of his employees are authorized to act this way... he then asked once he received the authorization, can he call me directly and to which phone number I'd like to be reached.

He assured me that I would not be hearing from anyone at NCB - but him, in regard to the settlement and payment arrangement from this point forward..

I have this on tape. We'll see what happens. I am to call Zach back to see if they follow through with sending in an authorization of this amount recommended by Cabelas. With this settlement offer- is there anything else that I should include in the settlement amount/payment plan?..

Id probably overstep a tad and ask that the collection account be deleted from your credit reports given the amount of violations.

Its sounds like you have it semi-resolved to your satisfaction however.

Good job..

How would I word that in my request when he calls me back? Can I have a collection account deleted when I'm in a payment plan with them? I still haven't seen my credit report yet so I don't know who is reporting and who isn't.....

Request a deletion at the end of the payment plan (its unlikely but you can try).

Its actually more likely you can negotiate for a paid notation rather then settled...but Im not sure if this ultimately looks better or not.

This post has been edited by vetswife: 29 January 2010 - 04:36 PM..

Very good. see the difference this makes when you call an OC to research the account..

At this point you do not have information on what is on your report. CA may not be necessarily reporting yet. But once you agree to payments over a period of time, they may begin reporting. If that is the case they probably won't consider deleting UNTIL your last payment is made on the settlement. Once last payment is submitted, the most important thing to get is a "release" letter from them - basically this should state that you paid your account with the OC and you are no longer liable for this account. After you have that letter, then mail them a goodwill letter. You may be able to goodwill BOTH the OC and the collection and delete them all together from your report...