Too late to settle an old account?

Hi there. I received a letter from Bowman & Heintz stating that an old Midland collection had been referred to them. I asked for validation of the debt and they say that it is from an old account with Providian with a last pay date of 11/2002 so it is within the SOL. I would like to try & settle this account. Should I contact Providian who is now WAMU, or Midland, or Bowman & Heintz? Or is it too late? Any ideas how I would format the request? Thanks so much for any help.

23 Answers

First think I would do is look on your credit to see if it's there. If it IS there, find out when the SOL and 'fall off' date isw. How old is this debt?

sol on a bad check

thanks for responding. the DOFD was only about a year ago, DOLA 1.5 yrs ago, so it's definitely within the SOL. Haven't checked the CR. If midland's on there, is that who I should pay, or should I pay the the law firm?

ok, so...........who to contact to settle? The attorney? The original creditor? Or the collection agency? Which one??

By all means I believe that you should pay the debt if it is valid. I think that you just need to make sure that the debt is indeed owned by them. I have read other posts that report paying a debt just to find out that it is owned by another company, and they come after you a second time. I just recommend that you get proof that you are paying the right people. Just take the few extra steps to make sure you are not being scammed by someone that got a hold of you information

Never try to teach a pig to sing. It wastes your time, and it annoys the pig.”


I am in Indiana and I believe the sol is 6 years. The "validation" they sent was a letter on theier letterhead stating it had been a Providian credit card opened in 2000 and last pay 11/2002. This is all that I have received.

hmnmmm..don\'t hit that panic button and don\'t get taken advantage of!!!!

'Guest'.....i was in a situation, similiar to the one you have. i would suggest to look on your Credit Report and see who is 'reporting' the debt. THEN see if the SOL is expired, or SOON to expire. will see, on your CR when the 'drop off' date is. In most states, if you start paying on an old debt, BEFORE the SOL, the debt 'restarts'. If the debt is CLOSE to the SOL< I would just leave it alone. But, of course, it's your decision what you want to do.

Can anyone give me a format for a "DV letter"?


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