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Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. Credit Target. Youll likely be informed via a letter in the mail, or a collector will start calling you. Threatening to put a lein on my property. Providian called me, offered the settlement, to which I agreed, sent them the money they required to fulfill the settlement at that time, & that was that- done, over. I understand from research that it was sold a couple times, I believe first to Washington Mutual, Now to Chase. I told them I never heard of them. I have a master's degree in international communication studies and I'm currently based in Paris, France. However, real debt collectors still have to obey the law. If you are concerned that Sherman will screw you over (or even if you are not), I would highly recommend the following: 1. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Submit a complaint and get your issue resolved. According to Tayne, collectors are well-trained and have the advantage in the situation, whereas consumers are disadvantaged and may be cornered into an obligation to pay the debt in full. I cover what's going on in the news and how it affects your bottom line. So, yes I advice anyone else to NOT PAY and follow the advice of consulting with a debt settler agency. Notify the court clerk that you are unable to locate the judgment creditor. I have never had a credit card from Providian nor have I ever received a Statement from them, never heard from a collection agency until now and there is no record of Providian Bank on my credit reports from Transunion and Experian or Credit Karma. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation.