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Guest81
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Subject: Statue of Limitations
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Tue Jun 15, 2010 2:45 pm
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| My credit reports just got hit with a collections from almost 5 years ago. The account was created in Washington State over the phone, now I live in Oregon. How does the Statue of Limitations work? Does it apply to where someone currently lives or where someone use to live? Also I understand that there are 4 types of agreements. Verbal, Written, Promissory, and Open-ended. Is an over the phone transaction considered Verbal and what would be the SOL on it? |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: reply
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Wed Jun 16, 2010 10:40 am
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Hi Guest1:
If this item is going to fall off in three months, then you can let it expire. However, I don't understand how can a negative item fall off within 3 months. Can you tell me what kind of account is it?
Guest 2:
The Statute of Limitations (SOL) of the state where you had incurred the debt will apply. Though you have moved from Washington to Oregon, the SOL of Washington will apply. Now, can you tell me what kind of debt is this? Is it a credit card, or a medical debt? The type of account or agreement will depend on the type of your debt.
Thanks,
Aaron
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john123
Joined: 21 Jun 2010
john123's page
Posts: 1
25 Magic Points
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Mon Jun 21, 2010 11:25 am
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I recently obtained a copy of my credit report from your agency and found the following item to be in error:
Item 1: I dispute ABC credit card account number 555111. This account has been paid in full.
I am requesting that the item be (removed, updated, or other suggested change) to correct the information.
Enclosed are copies of (use this statement if you have bank statements, cancelled checks, or other documentation) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.
___________
Free Web Directory | Seo Services | Website Design Company |
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vfsalinas05
Joined: 24 Jun 2010
vfsalinas05's page
Posts: 61
996 Magic Points
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Subject: dv letters?
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Fri Jun 25, 2010 12:43 am
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| where should i send my letters asking for the debt to be validated? what letters should the credit bureaus receive from me? |
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davidhector_2000@yahoo.co
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Subject: court summons regarding credit card
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Sat Jun 26, 2010 5:11 pm
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| The server drops a summons on your porch (with a date of May 5/7/10 as the serve date), the actual date they brought it was today 6/26/10 - they give you 21 days, and it's over 50 days past the serve date when they deliver it. All of the numbers are extremely over stated and the debt is over 9 years old (and not validated) what should i do. |
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vfsalinas05
Joined: 24 Jun 2010
vfsalinas05's page
Posts: 61
996 Magic Points
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Subject: summons
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Sun Jun 27, 2010 7:41 pm
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| thats a hard situation...I would bring it up with the court and inform them that the date you received it and the date on it were not the same...if you have any proof that would be helpful but i'm thinking you probably don't...i would also look in to the SOL and any other options... |
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vfsalinas05
Joined: 24 Jun 2010
vfsalinas05's page
Posts: 61
996 Magic Points
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Subject: medical bills
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Thu Jul 01, 2010 2:34 am
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| I am trying to figure out a way to get medical bills that went to collections removed from my credit...They were paid through my insurance eventually, would I send debt validation letters to the collection agency? or should i try goodwill deletion letters? Could i just dispute them with the credit bureaus? my main blemish on my credit report is already being taken care of but I just want to take care of all these little things to boost my score even more....any suggestions or advice? |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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vfsalinas05
Joined: 24 Jun 2010
vfsalinas05's page
Posts: 61
996 Magic Points
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Subject: similar tmobile prob
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Mon Jul 05, 2010 2:24 am
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| I started receiving collection letters from an agency with tmobile saying I owe almost 400 dollars. I dont believe I owe that much because the phone I had with tmobile was a prepaid phone and the service was terrible and inconsistent...I am thinking about sending DV letters for that one because I seriously dispute it...good luck and let me know what happens with your case...= ) |
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Barbara_Elena
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Subject: Mobile bill
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Fri Jul 09, 2010 1:30 pm
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Hi vsalinas05,
Yes, sending a debt validation letter, to your mobile company is a good idea but try to send it fast before 30 days. As you have 30-day validation period to dispute the mobile bill in question. |
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shellshell
Joined: 18 Jul 2010
shellshell's page
Posts: 1
25 Magic Points
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Subject: Summons from Shermeta, Adams & Von Allmen
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Sun Jul 18, 2010 11:27 pm
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I to have reeceived a summons from these attorneys. I responed to the summons. I then requested from these attorneys documents/contracts that I signed with them and all original payment history. I have not heard them in several months. I do not have a court date yet, neither an attorney to repersent me. However, I do know that these attorneys are (JDB) Junk Debt buyers. I am positive that they bought this bed debt from a credit card company for pennies, and are now trying to get the full amount from me. Not with out a fight. I've read an attorney's note stating: (You have a credit account and are extended credit. You certainly owe the original creditor something at that point. Once you go into default, you still “owe the money” to that creditor. I believe, however, that if they sell the account, then you no longer “owe the money” because they have received adequate compensation for you default. When they sell your account they are saying that they no longer want to deal with you and they would like to be compensated for the default. Collection Agency X comes along and gives the original creditor money for your account. At that point, the original creditor is out of the picture. They have received what they deemed to be adequate and fair compensation for your default. They would not have sold it otherwise, right? So if the original creditor is adequately compensated, then you no longer “owe the money”)
Going to Court 07/20/2010 for Discovery JDB attorneys. I will let everyone know the out come. |
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BG
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Subject: Admit/Deny?
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Tue Jul 20, 2010 4:52 pm
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| On the answer to summons -- should I actually admit to owning the debt and the amount since I haven't received my debt validation back yet? How do I state that? "Defendant is without sufficient knowledge or information at this time to admit or deny, pending receipt of complete debt validation".... would this do? |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: answering the summons
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Tue Jul 27, 2010 11:14 am
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Hi BG,
If you owe the debt, then you can admit to owning the debt. However, you have mentioned
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| since I haven't received my debt validation back yet |
So can you tell if you had sent any debt validation letter? Is it a collection agnecy at all, or the original creditor suing you? For answering the summons properly, you can take help from the court clerk or an attorney.
Thanks,
Aaron
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Eddie
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Subject: judgment
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Tue Jul 27, 2010 9:35 pm
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| I was sued in 2007 and a judgment was given. In Oct 2005 I was put out of work with major medical problems.I had 2 neurological test which shows I have memory issues. I dont retain anything I read and forget a lot. Is there any way I can fight this the lawter who was handling this knew I was out of work and told me that if I didnt pay he would sue. The origional amt was about 6500 and lawyer fees and is now 19000. How is this possible |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: judgment
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Wed Jul 28, 2010 9:13 am
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Hi Eddie,
I think it is best to discuss this with a lawyer. This is quite a complicated issue.
Thanks,
Aaron
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