Some debt collector named "First National Collection Bureau, Inc" sent me a letter claiming they are collecting for "L&L HOLDINGS, LLC" original creditor JP Morgan for several thousand dollars. I do NOT owe any debt, in fact I have accounts with JP Morgan and zero balances "good customer" to them. I had a bankruptcy back in 2004, my credit is flawless, not a single missed payment since then.
They said in this letter if I don't respond in 30 days they "assume this debt is valid."
Either this is some really old zombie debt that was discharged in that bankruptcy or plain fake scam. What are my possible actions? scammers like this should pay a price, small claims court 5k?, General Attorney? This is just disgusting.Thank you all for your speedy and extremely helpful replies. I've gone over my Credit Report from all 3 and it's perfect. No debt, no bankruptcy anymore, only 1 close account. Few others open and paid. 800 score +- 5 average by equifax on all 3. Confirmed this isn't a zombie debt, I NEVER HAD this account, so it's most definitely a SCAM. (intensive record search, several decades) This scammers Identified itself as: First National Collection Bureau, Inc 610 Waltham Way Sparks, NV 89434 800-824-6191 the letter was sent from: Dept. # 21377 PO Box 1259 Oaks. PA 19456 want payment sent to: FNCB INC PO BOX 51660 SPARK, NV 89435 settling for "50%" off Since this doesn't even seem to be a debt collector (unless are they that absurd?) I guess mailing them would just confirm my identity and spam me more? or should I just treat it as a zombie debt (I never had this account) and do as Mr. Howard informed below? Once again thank you all.
It is critical that you respond to the debt collector within 30 days of having received this collection letter to do four things: 1. dispute the debt; 2. request validation/verification of the debt; 3. request the name and address of the original creditor and 4. tell them not to contact you any further regarding this debt. Make sure to keep copies of everything you send and send your letter to them certified mail, return receipt requested. This must be done within 30 days of your receipt of this letter. With certain exceptions allowed for by law, they may not contact you again over this debt once they receive your letter. It is critical that you keep accurate copies of everything you send out and everything that you have received from them, including the envelope that the collection letter was mailed in. I recommend putting the certified mail number on your letter you send them and send them back a copy of what they sent you so that they can reference your account. You have left out a lot of information from your question which I would be glad to discuss with you. Please feel free to give me a call. I am in Melbourne Beach.
Please understand that this answer does not create an attorney client relationship between us and I am not acting as your attorney without a signed retainer agreement. The information provided is general information only. Each case is unique to the factual circumstances surrounding it. I am licensed as a Florida attorney and in no other state.
You can send a validation letter. It may be zombie, I see no company like that but I dont have more info.
Research zombie debt there are really good articles out there.
If my answer is "HELPFUL" and/or the "BEST ANSWER" please mark it accordingly.The content of responses to questions on this site should not be construed as formal legal advice and is for general, practical, illustrative‚ and for informational purposes only. The information in these question responses should not be used in place of a consultation with an attorney‚ or used to make legal decisions. Answers to Avvo questions do not constitute or imply any attorney-client relationship, nor do they provide a prediction of the outcome of your specific legal matter.
Mr. Howard is correct, you need to follow his advice to the letter. You should also consult with an attorney to determine if you have a claim under the Fair Debt Collection Practices Act.
Get an attorney, get an attorney, get an attorney. Almost all take these cases on a contingency and would collect from the other side after a successful lawsuit.
Our Rating is calculated using information the lawyer has included on their profile in addition to the information we collect from state bar associations and other organizations that license legal professionals. Attorneys who claim their profiles and provide Avvo with more information tend to have a higher rating than those who do not.What determines Avvo Rating?Experience & background
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline