Hello everyone
I am hoping that some of you can help me determine what my next step should be.
I have recently requested my credit report wanting to fix my credit and also get rid of any mistakes that was listed. I found tons from last name to even social s. being wrong
I have some judgments remove also from trans union and experion etc
I have notice that one judgment was verify by experion.
The collection agency is called Worldwide Asst and no other information was given.
I track down the location where the judgment was placed and found the lawyers office that placed the judgment.
I contacted the lawyers office to find out what the judgment was about
Fabiano Assost. is the lawyer office that now represents Worldwide Asst.
He started to read me an account number & it rang a bell
It seems the account number he read me was an old Providian credit card.
Now this is where it gets confusing
I have a letter from Chase Bank with the same account number. I had contact Chase before I had contact the lawyers office.
Chase explain that they had purchased all accounts from Providian & Wubu Banks.
And that they had written off the amount & have contacted all the credit bureau removing the account and deleted the credit card off there system.
CHASE DID not SELL The Account to anyone. IT no longer exist.
Back to Fabiano Law office : when he had finished reading me the account number i told him that the account was taken over by Chase Bank and Providian Bank no longer exist.
After i said that all he kept asking for was about money & he didn't understand why Chase would have this account. Stating that i owe Worldwide Asst.
So i told him i will contact him with information from Chase stating that the account is rightfully theirs not worldwide assets.
Plus I Then asked him why didn't the law office try to contact me before setting a judgment against me.
He claims that it was sign by someone in NYC at my childhood address?
I told him i live in NJ for over 10 years and that the judgment should have been placed in the state i reside in.
He also claims it was sign by a family member... : i then ask what is the family members name. When he told me that name " i explain that he even had the last name wrong and want to request a copy of a signature letter"
He then proceed to tell me this was 6 years ago ( not knowing what he meant by that)
my questions are:
Did they have the right to issue a judgment without contacting me?
Do i owe Worldwide Assest the Credit card balance? OR chase since they claim they own the account?
Does the proof he has stating that the signature is legal ( even tho the last name is wrong)
Should i send Fabaino a validation letter? or should i wait to hear from Chase again since it takes 30days for a reply since they deleted the account from there system.
I do have the first letter from Chase bank explaining they deleted the account and contact all the credit bureaus.
Please help me I have no clue what to do next? The account was purchased in 2007 by Chase & the lawyer Office claims they had the account since 2007
also.
