I received a letter today in the mail from the afore stated collection agency aka law office of the Goldsmith & Hull on b/o Unifund CCR Assignee of Providian Bank. This is regarding a long overdue credit card debt from 2001. This has been reported in my credit history as being negative account since then and is about to fall off. Now they are trying to reaffirm the account after so long.
The letter states that "the amount will increase from this date forward." It also states that "if the payment is not received within 30 days and further legal action becomes necessary, appropriate measures will nbe taken against you, not only for the principal amount due, but also for court filing costs, interest, attorney's fees if applicable."
It also states the Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practices Act stating "they may not harrass you by using threats of violence or arrest or by using obscene language". For me this is a threat, they're threatening to take me to court for a debt that I thought would get off my back and I'd been able to carry on with my life with renewed financial know how. Is this fair? I mean they just want to extort money from you with threat of more fees upon fees and ruin my credit again by re-affirming the debt, if at all they can do that. I've also contacted the credit reporting agencies regarding this debt. This debt has been reported twice under "negative account" already. Now it has been sold to a third jerk offs and they'll again report the same credt thrice and many more to come....where does this stop...is there any hearing for this kinda thing.....I'm in a dilemma .....any suggestions would be appreciated......
San Mateo, California