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debranewell2008
Joined: 10 Oct 2009
debranewell2008's page
Posts: 605
89 Magic Points
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Wed Oct 21, 2009 12:36 am
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| Yes I have read other post stating that they wait until the time is almost up and then try to collect. I think that is pretty dirty and it should be a law against it. Did you find a debt verification letter yet? And if so have you been able to send it yet? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Wed Oct 21, 2009 2:03 am
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Stick with it fireyone, make sure you send the debt validation letter via certified mail, return reciept requested. Make them validate, sometimes they think that if they use coercian they can get their way and you will pay.
Stick with it |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
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Wed Oct 21, 2009 12:55 pm
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Hi,
If it is not listed on the negative side then you have less to worry about. Send them a debt validation letter. I do not think that they will be able to validate the debt. Do not pay them anything before they can validate. Once you pay them, you might restart the SOL. In the mean time keep checking your report. If the bureau has something misprinted then it might appear in the negative side again.
When you ask for debt validation you can expect three things from the CA. a copy of the original contract between you and the creditor, your payment history showing your outstanding debt and of course documents proving that the CA has been authorized to pay the debt.
_________________
All the Best 
Justin |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Wed Oct 21, 2009 1:55 pm
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| Thanks again Justin. They have been calling nonstop now and I have not been picking up the phone. I sent the DV letter yesterday and want to make sure they get it first. I did check all three reports and do not see them even listed on any of the other two, on either side of the report. I also pulled my husbands report (he is the only one I would have been authorized on) and do not even see it there on any of the reports. Guess the only thing to do is wait and see if they validate |
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