Last year, I was contacted by Jennifer Sun of LHR, Inc about an old debt to Providian Bank. They claimed that they had purchased the debt and now wanted to collect from me. I knew nothing about it, but they insisted that I had to pay or else. I even got a letter from their attorney, Edward J. Martinshin.
I send a letter requesting debt verification and was promptly served with a summons and complant a few days later and no verification was ever sent to me. This, of course, violates the Fair Debt Collections Practices Act since they were required to suspend collection activity until they provided me with written verification of the debt they are claiming once I ask for it in writing.
It turns out that the summons and complaint was just another intimidation tactic. They never actually filed their case with the court. According to the court clerk, they had 20 days to do so once the summons and complaint was served. That was June, so more than 20 days has passed. They were just bluffing and I called their bluff. Debt verification sure is a good tool to use against these fly by night crooks.
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