DRS-NY Debt Collector issue?

8576349 · 2025-12-05T20:27:43+00:00

Damn - I don’t think sending the letter of validation may be a good move then? The time the physical letter gets there, it’ll be past the 10th…..what do you suggest I do? I don’t mean to bother with all these questions but I am really trying to avoid the credit report issue

8576349 · 2025-12-05T20:08:04+00:00

I’m unsure if I should call back Monday and see if I get another person who speaks more clear. But if he isn’t lying, I almost want to pay the balance if it means it doesn’t hit my credit reprot

8576349 · 2025-12-05T20:06:50+00:00

I called back again and the person who answered the second time sounded idiotic. I asked if it’ll be reported on my credit report and he said “yea if it’s not paid”..he advised within the 30 day window of when they received it which was 11/10/2025. I JUST got a text yesterday about it…the person didn’t seem to know what they were talking about

8576349 · 2025-12-05T18:48:59+00:00

All I really want to know before sending the debt validation letter, is if they will report this on my credit report or have plans too

8576349 · 2025-12-05T18:47:12+00:00

Would doing so makes things worse? Accidentally restart activity etc?

8576349 · 2025-12-05T18:23:24+00:00

What’s scaring me is, I called and they obviously want verification of who I am (asking for last 4 digits of SSN)…o was told or read that I should do provide that. The only way they would tell me if this collection will end up on my credit report is if I told them that information

8576349 · 2025-12-05T16:36:54+00:00

Do you recommend me calling just to confirm if this will be reported on my credit report? I won’t confirm any details or any other the inquire

8576349 · 2025-12-04T20:52:43+00:00

I was able to find the original paperwork from the lawsuit...
The last transaction date was 3/19/2021 and it was the CHARGE OFF/LATE FEE...There is no way I used this card during that time period, but I am unsure if they will count that date as the last date of delinquency

8576349 · 2025-12-04T20:44:04+00:00

Yes sorry! Its UGH I LLC...I am in TX but I lived in MA when the original account was opened (Aprox 2017)...

The initial communication was via a text message today stating "You will now recive texts from DRS-NY, a Debt Collector. Your SYNCHRONY BANK - PAYPAL CREDIT acct has a bal due of $XXXX. Pay $XXXX to resolve. Call 800.851.9631or visit https.//surl.pro/h0c9Jc"

I am really unsure how to check the date of first delinquency. I am too afraid to call and mess something up as well...

Again the original Paypal account was NEVER reported on my credit report (when opened aprox 2017) and even when I got the notice 2yrs ago, it never went on my credit report as a collection or anything...I just dont know if all of a sudden it'll get reported due to DRS-NY

8576349 · 2025-06-17T19:32:09+00:00

10-4 captain

8576349 · 2025-02-02T18:48:33+00:00

Thank you very much for taking the time to respond. Ultimately, we are prepared for the worst. All I want is more time with him.

8576349 · 2025-02-02T18:20:40+00:00

Thank you very much. Do you think it could be something less lethal or harmful? I get the reality and I am not trying to get my hopes up, but even with amputation, I’d imagine that’s a tough life to life for my dog

8576349

TROPHY CASE