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    #1

    Valentine & Kebartas

    Has anyone ever dealt with Valentine & Kebartas? I received a phone call from them and a dunning letter saying a WaMu account (formerly Providian) was sold to Credit Max and they are the law office handling the account. I don't recall the exact wording but the guy said they could have me in court within 45 days. Then yesterday I received a voicemail from a lady at V & K saying an action has been filed but she could render a decision for me but needs to hear from me in 24 hours.

    Should I be really concerned or is that just a bunch of scare tactics?
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    #2
    I notice they have an office in Panama City, Panama. I assume the people from this office speak English as a second language. Should be interesting to engage in a conversation when you use words they have no idea what you are saying.
    Golden Jubilee was a year-long celebration held every 50 years in which all bondmen were freed, mortgaged lands were restored to the original owners, and land was left fallow: Lev. 25:8-17

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      #3
      "Then yesterday I received a voicemail from a lady at V & K saying an action has been filed but she could render a decision for me but needs to hear from me in 24 hours."

      Action? Whatever...

      It sounds as if the account has gone to a junk debt buyer. If you received a dunning letter, it might be in your best interest to send a debt validation letter. This does not need to be fancy. Simply state you are disputing the debt, and request verification of original debt as to how this pertains to the original creditor. In addition, request the FULL name and correct CONTACT ADDRESS of the original creditor. Both of the above are recognized under the FDCPA, including similar state laws. Send your request via return receipt certified mail. This needs to be done within 30 days of the receipt of the dunnign letter.

      There are dozens of detailed and fancy letters on the web that you can send to CA's, but a clear response that you are disputing the debt and request validation, including original creditor name and address should suffice.

      Will this lead to an acceleration to suit? Hard to say. But, if this is a junk debt buyer, I would guess they do not want to expend many resources to jump to immediate suit. Only you would know the history of collections and how far removed the debt is from the original creditor.

      Just my opinion, but speaking with some personal experience.

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        #4
        Thanks. V & K is the third and by far the most threatening collector. Others were IC Systems and BCR. I did send a DV letter CMRRR latter part of last week.

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          #5
          More info.. I looked at their site and they are definitely a third party collection agency. They are registered/licensed in several several states. They have offices in Mass., Florida, and Idaho. They appear to be the real thing. I am of the opinion that they are state-side and have quick access to legal remedies, and could act quickly if so inspired. Send the DV request and see what transpires.

          Again, only one man's opinion.

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            #6
            I did send a DV letter CMRRR and got no response yet. Yesterday I got a message saying call this toll free number and I looked up the number and it found out the message was from V & K. Perhaps they have finally gotten around to validating or perhaps they are in violation of FDCPA.

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              #7
              They are allowed to contact you one more time in order to state their legal intentions, I believe. Hopefully you recorded the message, and if they continue to attempt contact, you might send them a letter that they have violated the law and you are prepared to seek legal counsel.

              Comment

                #8
                Originally posted by treehugger1 View Post
                They are allowed to contact you one more time in order to state their legal intentions, I believe. Hopefully you recorded the message, and if they continue to attempt contact, you might send them a letter that they have violated the law and you are prepared to seek legal counsel.
                I thought the one last time for legal intentions was for a Cease and Desist letter. I sent a DV letter NOT a C & D letter as I don't really want to provoke a lawsuit at this point. Records do get lost sometimes. Does that contact have to be in writing? All the message said was it was in my best interest to call this toll-free number in order to go over some details. Can they call me AFTER mailing validation but before I receive such in the mail?

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                  #9
                  I'm not an expert on the ins and outs of the FDCPA. Look at section 809 (b) of the FDCPA. It appears that if you ask for verfication, all collection efforts have to stop until the CA sends you the verification or receives a judgment. If such is true, then it seems that attemptign to contact you is continued collection efforts. I would document everything, especially since you received the green card but have yet to receive any verifcation.

                  Comment

                    #10
                    Unless you hear from a local attorney or a local collection agency in your area, this is probably an empty threat from a collection agency meant to scare you into compliance.

                    Look online for your county's court records. Look for civil lawsuits and judgments and see if anything has been actually filed against you.

                    Keep in mind that judgments are easily discharged in bankruptcy, so it doesn't really matter if you are going to file bk in the next few months.
                    The world's simplest C & D Letter:
                    "I demand that you cease and desist from any communication with me."
                    Notice that I never actually mention or acknowledge the debt in my letter.

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