Who owns this account what is my next step?

[mmp]

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.

[jjgross]

Originally Posted by mmp

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.

If chase is claiming the account that means that wama only assigned the debt not sold.now here's comes chase which has claimed to own the debt,and deleted it.I would send the attorney a letter asking for their authority to collect on a debt they don't own and has for all documentation to back up their claim.Including a signed contract with Proviadan.What they did was sewer service to an old address.However you might have to sue to have the judgement vacated.If you don't have the funds contact your states legal aid.I would not talk to them anymore,send a letter stating that it is a inconvenience to call at any number at any time.Contact through us mail only.Don't admit owning this debt you don't want to verify it make them prove it through documents.

[improving]

man, quite an ordeal!

well, I wouldn't think they could order a judgement without contacting you. everyone is trackable.

I wouldn't deal with the lawyer - they just want money. I'd really AVOID all contact with them. (for now - unless you absolutely have to!) And no, if the last name is wrong - I don't think he can have a thing against you. (I'm not an expert though.)

I'd call and write to Chase - stating the account #, and that you have the letter from them, etc. and it is now showing as a judgement from some other firm you've never heard of and say that you need this removed from all credit bureaus. (the judgement, since it is inaccurate)

I'd start from there anyway...

[mmp]

Well it seems when they did try to contact me it went to my childhood address and he explain anyone over 18 can sign for the letter - and it is consider delivered. He claims that they only need the person first name and that Doe is use for someone who is afraid to sign their last name? ( which doesn't make sense to me)

Even tho the place the letter went to is apartment building in NYC & anyone could have sign for it.

I did explain to Chase there is a judgment against me for the account they have and i guess i have to wait the 30days for them to contact me back. They explain they have to back track on paper since they deleted everything.

Also Fabiano law office says they have a written contract with Worldwide assets to collect the debt. Not a written contract with Provdian bank.

I wait for Chase letter before moving to the next step. I am not to sure if chase would remove a judgment they never placed.
My next step would be to send a letter for all documentation to back up their claim.

Thanks for the feedback & pointing me to the right direction
More feed back is welcome!!!.

[jjgross]

Originally Posted by mmp

Well it seems when they did try to contact me it went to my childhood address and he explain anyone over 18 can sign for the letter - and it is consider delivered. He claims that they only need the person first name and that Doe is use for someone who is afraid to sign their last name? ( which doesn't make sense to me)

Even tho the place the letter went to is apartment building in NYC & anyone could have sign for it.

I did explain to Chase there is a judgment against me for the account they have and i guess i have to wait the 30days for them to contact me back. They explain they have to back track on paper since they deleted everything.

Also Fabiano law office says they have a written contract with Worldwide assets to collect the debt. Not a written contract with Provdian bank.

I wait for Chase letter before moving to the next step. I am not to sure if chase would remove a judgment they never placed.
My next step would be to send a letter for all documentation to back up their claim.

Thanks for the feedback & pointing me to the right direction
More feed back is welcome!!!.

I hope that someone can chime in.even though he may have a contract with worldwide doesn't matter if worldwide never really owned it.So whats he own?A piece of paper that may or may not be valid,chances or it isn't.

[improving]

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.

I think this is to your benefit. Wait on Chase. It sounds as if they could cooperate and delete or you need to make sure they deleted it. Then DISPUTE the judgment as unknown since it actually is unknown anyway for the most part. I'm guessing the lawyer part judgement will get tricky - maybe Chase can assist with that too and they can send you a letter that you can pass on to the lawyer. (& CB's if need be)

[nitro69]

Thats a crappy deal. If you get the judgment removed from the CRA then you still have the judgment floating around out there. The big problem is getting the judgment removed which you are going to have to go court and file a Vacate Judgment hearing which then a hearing will be set so you can claim you were inproperly served. It will be a pain in the A#$ and cost more money.