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Confused about Charge off
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Subject: Call from another Collection Company
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Fri Jul 17, 2009 2:38 pm
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| I had been receiving calls from an Atty's office in South Carolina about a charged off credit card. Today, I received a call from a company in Houston, TX about the same credit card and that I owe almost $9,000 because I couldn't work out something with the Atty. in South Carolina. The company said to settle they would work out something with me like taking off the previous Atty's fees and cost, plus the owed interest. I have contacted the Federal Trade commission regarding the first attempt to collect this debt. The FTC said that these people must have a license in PA to attempt collection how true is that, and when these people call they will not give you any information about their company so that you are able to send them a letter to validate that debt. |
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Dee
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Subject: Capital One
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Sat Aug 08, 2009 5:39 am
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| I had a card in 1999 and it went into default in 2000, charged off in 2001. It hasnet been on my credit report until now (2009) as a collection agency has purchased "charged off" debt. What do I do? |
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Brenda
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Subject: charged off credit card account
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Tue Aug 11, 2009 11:20 pm
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| I called the collection agency that bought my credit card account and they will not let me mail in payments. Is that legal? |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Tue Aug 11, 2009 11:32 pm
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Confused, You need to check the SOL on your debt. If the FTC knows they have an License in PA then surely they would know the address to send a validation letter. You could also try to call your atty generals office and see if they can help you.
Dee, You need to file a dispute with the credit bureaus because this debt is past the 7 year reporting time.
Brenda, It is legal for them not to accept payments. If it would go to court the judge could agree to payment arrangements. I am surpriesed the will not agree since you are trying to repay the debt. |
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carole
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Subject: CC Charge Off
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Wed Aug 12, 2009 8:41 pm
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| The credit card debt is four years old but I just checked my credit history and they are listing it for this year as a charge off. How can I change this so that it will fall off after seven years from the date of default? I have received letters from Collection Agencies in the past but not one of the agencies is listed only the original bank credit card. |
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