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HomeCredit ForumCredit repair

Letter for account re-aging request

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Laura

Laura

Joined: 21 Jun 2007
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Posts: 1408



34397 Magic Points
 
 Posted on Mon Apr 07, 2008 4:46 am  
Letters do not obligate creditors unless it is abiding by the Federal or state laws.
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Regards,
Laura.
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 732



386 Magic Points
Subject: ca
 
 Posted on Mon Apr 07, 2008 10:40 am  
Well......at least you would have SOMETHING on paper, besides just 'your word' (not saying you can't take someone's 'word' for something).
 
goodnatured



Joined: 03 Nov 2007
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0 Magic Points
 
 Posted on Sun Apr 20, 2008 12:16 am  
True, I have never had any of them abide by any law nor provide me with what I requested.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2408



17187 Magic Points
 
 Posted on Mon Apr 21, 2008 12:58 am  
From the sounds of it not too many people do.
 
goodnatured



Joined: 03 Nov 2007
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 Posted on Tue Apr 22, 2008 1:36 am  
It gets really annoying and time consuming when you are trying to get answers, yet they can call and call and annoying the heck out of you when they want to collect. If the bill is legit, what is the problem with verifying the facts.

I once read where when a collection agency buys accounts, they buy them in bulk, they don't get half the legal information and contract information that is needed to legally collect the debt. I have read up a lot on this, they end up with too little enough information to collect, but just enough to contact and annoy the hell out of you.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2408



17187 Magic Points
 
 Posted on Wed Apr 23, 2008 8:41 pm  
That is exactly what I have heard to. The statute of limitations should also include not containg the person to collect a debt either. Once it expires (sol) it has already been how many years ? If the person was gonna pay they more than likely would have been m ore inclined to do so before the statutes ran out. So the statutes not inclding dropping all communications with the debtor only leaves the door wide open for harassment.
 
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1408



34397 Magic Points
 
 Posted on Fri Apr 25, 2008 6:07 am  
Best way to get rid of them is by reporting to the Attorney General's office.
_________________
Regards,
Laura.
 
Amir Rubin
Guest
Subject: Debt elimination help
 
 Posted on Sat Apr 26, 2008 6:10 pm  
Last year I started a website, masteringmydebt.com, that is intended to provide free debt elimination help. The site was a result of a vendor that wanted to charge me over $10,000 to help me eliminate my debt. Most of you will agree that that such a cost is absurd given that a person is trying to get out of debt. I currently pay a monthly subscription to enable all my visitor to receive over three dozen calculators for free. I try to make up my monthly costs with advertising throughout the site. However, aside from books that are for sale as part of an Amazon affiliation, a visitor can receive everything else for free. Please visit my site and help spread the word to others.
Good luck to all,
Amir Rubin
masteringmydebt.com
 
fireyone



Joined: 26 Feb 2008
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Posts: 2408



17187 Magic Points
 
 Posted on Sat Apr 26, 2008 11:29 pm  
I would think the atty general would be an excellent place to start. I have been weeding out all the collectors that call here with that threat. They aren't even my collector(s). They are for someone who recently had this number before I moved to the area. I finally got to the last one last week. So far it has been really peaceful aroung here without the phone ringing but I am sure it will start all over again..either the same places start all over or they sell it and leave MY number on the account.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2865



0 Magic Points
 
 Posted on Sun Apr 27, 2008 12:26 pm  
I would call the phone company and tell them that I want a new number right now before people get too used to the company, this should be a reason why to get it changed for free. You should have no problem with the phone company abiding by this request.

Amir Rubin

thank you for the resource, I will be sure to go and check it out, stand by for a review LOL. No really, thanks for taking the time to put it together and sharing with us.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2408



17187 Magic Points
 
 Posted on Mon May 05, 2008 10:23 pm  
Well short-lived the silence that was.Not even a week and here we go again. Hubby is adament he does not want the telephone number to change. He says wait until we get "some matters" taken care of..like the bank,atty and so forth before we change.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2865



0 Magic Points
 
 Posted on Thu May 15, 2008 1:22 am  
I would have done it the first week that I had to deal with the crap. Hope you can get it taken care of soon.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2408



17187 Magic Points
 
 Posted on Sun May 18, 2008 2:01 pm  
I will after I settle everything with my atty. I don't want them to think I am changing it becasue the bill collectors are really after me. It wouldn't say much for my character.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 2865



0 Magic Points
 
 Posted on Mon May 26, 2008 6:03 pm  
Hope you can get it taken care of soon
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2408



17187 Magic Points
 
 Posted on Wed Jun 04, 2008 12:17 am  
Yes me to. They are telling me that it could still be a good three months or p[ossibly longer. ERRR
 
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