[Ma3lst0rm]

Yes these crooks buy junk debt that they don't have any legal standing to collect and then try to scare people into paying. I found out by dealing with them myself and it wasn't till I started doing some research and experiencing it first hand that their threats are empty. A real credit collector that intends to sue you will get a court date and issue you a real subpoena in an attempt to get a real judgment and then will provide you the documentation of that judgment. What goes on with these scumbags is mob collections minus the broken kneecaps.

[Lion in Winter]

Here is the deal... my relative paid off the account years ago. We think these particular folks got into the old files of the old Providian accounts somehow and are attempting to trick people into paying them. Maybe they think they can actually fool some people.

My relative says he thought Providian went under a few years ago... if, so what happened to the old records???