Greetings, I received an offer to settle an old Pr

Greetings, I received an offer to settle an old Providian account from LVNV Funding/Northland Group. I looked on my credit report and this credit card debt is no longer listed on my report. Is it a valid debt and must I settle this? It is a $3,710.86 debt that they are offering to settle for $556.64. I think they have gotten all the mileage they can by dinging my credit for the last 7-8 years.

2 Answers

You can check out the SOL period in your state from the following link:
http://www.debtconsolidationcare.com/statute-of-limitation.html

 


What state do you live in and when was your last payment?  It could be well out of SOL.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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