I also had filed bankruptcy in between this time. Sorry this is vane again my correct email address is v.romero2@yahoo.com. You can do this yourself, even though many debt settlement companies will try to get you to pay them for this service. This page was generated at 05:43 AM. What do I do? Don't miss:Here's the 'most basic rule of thumb' when it comes to paying off your debt, according to an expert. We'd love to hear from you, please enter your comments. thanks again. Debt collector for a Providian credit card I had 30 years/cannot - Avvo I do not have knowledge of this account. When I'm not writing articles, I author the Forbes Advisor Weekly Newsletter. For more than 15 years we have helped nearly 50000 customers resolve their issues and will never stop striving to ensure further improvements on our platform for a better communication between companies and customers. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. Many want to immediately pick up the phone and call the creditor to explain the debt, but she says this isnt in their best interest. How can I find out who Providian National Bank is. We earn a commission from affiliate partners on many offers and links. and we called the guy was talking so fast n wouldn't slow down. Consult local counsel. Be sure to tell your creditor about any financial hardships you're experiencing, such as a recent layoff, furlough or reduction in working hours. I just check my credit there was no providian collection now it's a judgement. Tried to explain that this was not my account. Same here after 11 years. My credit report is clean. They addressed me by my maiden name which I havent been since 2012. Do you have your official credit reports from the CRAs? my husband got a thing in mail that states owes $924.89 on a credit card the mans been dead over 2 years and the credit cards we did have we files in1992 bankrupsy so that did it nopw they say we owe? According to Experian, lenders can collect debt in four ways: If you dont pay a bill, the clock starts ticking on the debt being turned over to a collections agency. I receive a notice from a collection agency that I owe Providian National bank $2222.11. About the author: Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. Over 80,000 legal issues have been answered so also consider using the search function. Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. That means that at the end of seven years, no matter how many times the debt was resold and re-reported, its likely the debt will be deleted from a credit report. After the company makes its own efforts to resolve the debt, it will eventually turn it over to a debt collections agency and be reported to the credit bureaus as a charge off, meaning the original creditor has ceased efforts to recover the debt. There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. He told me I owed money to Providian bank.
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