[whatamess]

Some type of debt collector sent me a letter to my parent's home in Texas (I live in Puerto Rico, have lived in Puerto Rico for over 4 years now and the credit card company does have my address here) stating that they have found a "local attorney licensed to practice in my state" to collect the debt and will sue me unless I contact them by 2/20/2008.

I am very confused. First of all, part of the problems I had with this company were DIRECTLY related to the fact that although I have given them my address numerous times, they were so messed up they actually sent me credit cards and bills to "PAKISTAN", which of course I never received because I live in "PUERTO RICO". In addition, last year when I received a letter from Chase, the letter stated I had until the 20 of September 2007 to contact them or the account would go to a debt collector. I contacted them on the 14 of September and was told by them that the account had already been sent to collections on 30August and that there was nothing they could talk to me about. That I had to wait for the collection agency to contact me and that they could not provide the info of the agency, that I just had to wait. The postmark on the letter was around the 9th of September 2007, which was AFTER they even sent it to collections.

In 2007 they called me and after numerous times of calling me, I told them to please send me my bills to my home address, which they seem to sometimes have right and sometimes not (seems out of convenience) so that I could check the account and pay them. They never sent me anything for over 5 months until that letter in September.

Anyway, I am a bit confused about this because I don't see how they can send this to my parent's house instead of MY house. I think they are trying to get around the system by using a US address, instead of a Puerto Rico address, but technically, my parent's address has not been my address for over 4 years and in the last 4 years I did always pay Chase from my Puerto Rico address...so they are WELL aware of where I live.

What are my options?

[Mr. Knowitall]

Paying your bill from a particular address is not the same thing as changing your address with the credit card company.

Your options are to pay your bill or risk being sued.

[whatamess]

I think you misunderstood...I HAVE changed my adress with them many times. In addition, more than two years ago I contacted their consumer relations because I had so many problems changing my address. They would say that it was done, and then a month would go by and it was not done (this is when they had my address all correct but in country they had PAKISTAN...so I would never receive anything). It wasn't until their consumer relations got involved, about after 5 attempts that they finally did change it. Their consumer relations people got it changed. Now all of a sudden they don't have my address? In addition, the last two letters that I have received directly from Chase actually show my current address, not the address the collection agency sent the letter to which is in Texas.

How can they possibly sue me in a state that I don't live in and they have known that I don't live there for more than 4 years?