Got another collection agency letter, what should I do?

[optimistic1]

Ok, so this one, is different, it is from GEMB/Paypal. They arent asking for money, but instead, asking for my bankruptcy information, i.e. (case number, 341 meeting date, Chapter, Attorney name/address/phone.)

What should I do?

I am not filing until August/September.

Should I just fill out the attorney info and send it back to them?

[StartingOver08]

I got one of those before I filed - I think it was Advanta (can't remember now which card!). But I did not send it back until I was filed - then I filled it out, along with the case number and mailed it back.

I'm not sure if filling it out partially by just putting in your attorney's name and number helps you one way or the other. Maybe someone else on the board will know.

[treehugger1]

I'd fill out the attorney info. If your attorney believes there's a problem, he should contact you. If you have retained an attorney, let him/her deal with it. Or, better yet, forward the info to the attorney. August/September is a ways off, but anything you can do to "communicate" with the creditor/CA might keep you off the radar screen. Know way to know for sure. Everyone seems to want immediate cash at this time (CA's, OC's, etc.) They are probbaly looking for the low-hanging fruit. Since you are looking at 5-6 months before you get BK court relief, then budget for any extreme circumstances such as garnishment, etc. Educate yourself as to your exemptions and wait for the cards to be played. The OC's will continue to call you, but eventually many of them will send you to a third party collector. At that time you can request debt verification and/or cease communications letter.

[BigJohn]

Ok, so this one, is different, it is from GEMB/Paypal. They arent asking for money, but instead, asking for my bankruptcy information, i.e. (case number, 341 meeting date, Chapter, Attorney name/address/phone.)

What should I do?

I am not filing until August/September.

Should I just fill out the attorney info and send it back to them?

I would say this is a dumb way of GEMB to be ding business but then, they might be using this info for their own good. If you provide them some info that you are thinking of filing bankruptcy, they can use this document against you if you should charge any more items against their card and then file bankruptcy.

[catleg]

I would just wait them out. My policy would not be to mail anyone anything that isn't either legally required or in my own interests. This is definitely not the former and may not even be the latter.

[optimistic1]

Well I suppose that I will be sending this back to them with only my attorney information.

Yesterday I sent out two DV letters to NCO Financial, and yesterday I also received another collection letter, this one from AllianceOne, on behalf of Citi. I am going to DV them in about a week or so. I am trying to drag it out on them.

I have 5 months to go before I can file.

How quickly do you think they can really sue, get a judgement, and start garnishment?

If I answer the suit, that should help delay the judgement, and the courts have to be backed up for months to even hold hearings, dont you think?

[catleg]

For what it's worth I have an account with the same credit card. Last paid in Nov, so about 90-120 days late. They sent it the first CA (penncro) about 3 weeks ago. I sent DV and C&D and got green card this week. Did yours go out to a CA first or did you tell them you intend to file BK directly? This is a small balance about 3k.

[optimistic1]

I told the OC that I was planning on filing, and the letter is direct from the OC. Other creditors were told this also, but they still transfered them to CA's.

My attorney told me to just fill it out with only his name/address/phone and send it back.

What is a green card?

[StartingOver08]

Green card = short for CMRRR (certified mail, return receipt request)