Back in 1999, Providian gave me a credit card with a $1000 limit on it, which I used to buy college textbooks. Unfortunately, the economy was bad, and I was unable to pay off my card. Fast forward a few years.By California law, credit card debt is no longer collectable after six years. Providian was hauled into court on charges of fraud, etc., found guilty, and forced into paying people back. It was a class-action suit, so I got essentially like 50 cents. Providian kept insisting they were not crooks. They then sicced North Shore Agency on me to try to collect. They tried to tell me my credit was going to ruined, interest would accrue, etc. I told them to take a hike.
I last heard from them about a year ago, when Apu from the Kwik-E-Mart called making threats, as noted above. I told them they can't collect, it's too old. I finally hung up on them. My sister is a notary public who works for a law firm, and she tells me there are people who buy junk debts and try to collect on them—AKA scams.
Not surprising that a slimeball place like Providian would allow an even slimier place like North Shore to go after people. I also got several letters from them—they landed in the trash.
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