I had a debt originated back in 9/2003 with Citibank/Sears. I made 1/2 of the payments to the initial debtor, then in 2007 it was purchased by this trio. Since the original debt has ballooned (and nobody has taken off the $3, 000 in payments I made), I requested full disclosure and verification of the debt as well as all communications must be made in writing. Three notices have been sent by certified mail--I sent one to LVNV Funding--they suddenly sold it to Associated Recovery Systems--I sent a certified letter to them--now they've... read full review »