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Are TeleChex and Check System the same thing?

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erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 547



-100 Magic Points

 
Posted on Sat Sep 27, 2008 11:15 pm  

chex will have a file on you if you bounce a check, they will notify you and you will pay the money directly to them, once you pay it you are very quickly off the list.
This system is very connected, if you go to write a check while you are on the list you will be denied. You are better off getting it cleared up as soon as possible.
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Sun Sep 28, 2008 3:58 pm  

I have this when I go to walmart but have never bounced a check. It happened years ago and when I tried to use a check but when I called the number on the register reciept they had no information on me and didn;t know why I was listed. I asked how I cvould clear this matter and they were unsure because there was no one to clear it with since there was no bounced check. To my knowledge it is still like this. After a second attempt years ago I just used my checking acount MAC card.
I wanted to try it again ans see what I could do, maybe something has been set up since then to clarify these types of mistakes but do not want the embarrassment at the register. Is there a number you can call and just check?
goodgrace
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Subject: does sol work
 
Posted on Fri Dec 12, 2008 5:38 pm  

I had move from a state that statue of limitations was 6 years, no I live in a state that is only 3 yrs. does this applied to me. it has been three years ince this account has been charged off.
goodgrace
Guest






Subject: does it applied
 
Posted on Fri Dec 12, 2008 5:41 pm  

it it is 6 yrs in indiana for statue of limitations, and i now live in north carolina, which is 3 yrs. does it applies to me thanks.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Sat Dec 13, 2008 10:00 am  

Are TeleChex and Check System the same thing? I was gonna make a comment, I DID ( accidently) bounce a check, through Telechex. However....as soon as I cleared it up, about a few weeks later, my 'account' at Telechex was cleared up.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Sat Dec 13, 2008 10:01 am  

...wanna add a queation to this, too. Is there an actually SOL for something like this?
anthony

anthony

Joined: 31 Jul 2006
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Posts: 516



13606 Magic Points

 
Posted on Sat Dec 13, 2008 10:20 am  

Hi goodgrace
The SOL does not necessarily depend on the state you live in. It depends on the state where you have signed in the loan agreement with the creditor. If you have signed the loan agreement with the creditor in Indiana, then the SOL on the loan would be 6 years and not 3 years. Now, even if your account has been charged off, you need to repay off the existing debt because charge off does not mean that you are exempted from paying off the debt and since the SOL on the debt has not expired, the creditor can sue you to the court to recover the outstanding debt by bringing judgment against you.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
Doc

Doc

Joined: 02 Dec 2008
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Posts: 178
Location: McKinney, TX


1273 Magic Points

 
Posted on Sat Dec 13, 2008 1:02 pm  

The statute of limitations is 100 PERCENT dependent on the state in which you CURRENTLY reside.... It doesn't matter if you lived on Mars when you signed a contract........

I PROMISE!!!
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site...
http://www.omegacreditrepair.com
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Sat Dec 13, 2008 2:37 pm  

Now here is a big question and I would really like to know the answer on this. Everything I have read on debt validation insists that it is actually the state you signed the contract in and NOT the state you most recently reside in. How can this be Doc? If this were the fact wouldn't people who have lassive debt move to a state with a really small statute of limitiations if they thought they could get rid of the debt. Is there actually a trick to getting around the rule or is the rule misstated in what I have read on this subject?
Doc

Doc

Joined: 02 Dec 2008
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Posts: 178
Location: McKinney, TX


1273 Magic Points

 
Posted on Sat Dec 13, 2008 5:14 pm  

Every atty I have ever talked to about it has told me that if they intend to file a suit, they have to do it in your state, and as such, the applicable statutes of THAT state are what matters...

I suppose, if people (O.J. Simpson, for example) can move to Florida to take advantage of more lax bankruptcy laws, so to could a consumer move to take advantage of the SOL issue....
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site...
http://www.omegacreditrepair.com
You can also get tons of information here!
http://www.doccompton.com
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Sun Dec 14, 2008 12:52 am  

Theres an idea. LOL. I guess some where along the line someone got this confused. Thanks for clarifying the matter. Have you had a lot of visits to your site. I have stopped in a couple times. Hopefully after proving and posting here your site traffic has at least picked up some.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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1916 Magic Points

Subject: credit
 
Posted on Sun Dec 14, 2008 6:56 am  

It's kind of funny you said something about OJ Simpson, DOC. Seems like he gets away with everything!! LOL
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Sun Dec 14, 2008 11:16 pm  

This probaly boils down to having a lawyer that knows all the ins and outs of law. We could have the same thing but most who are being hounded by debt collectors are in that situation because they do not have the money to pay an atty to get them out of trouble with their debt. Also you can imagine if the debt is not high then ot really would be worthless to get an atty because their fees would probaly be alot higher than the actual debts theirselves.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Mon Dec 15, 2008 3:42 am  

I don't think an Att or a CA will send anything to you if the bill is a very small amount. However......I really don't know that, for a fact, because I've always had very HIGH amounts. LOL
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



123 Magic Points

 
Posted on Tue Dec 16, 2008 6:15 pm  

I have had two collection agencies send me letters over tiny debts. One was for a doctor who charged me for a covered service I should have gotten for free. He was not in net work but when I called to schedule my appt. the secretary told me he was in net work. After getting collection notices I called and they were suppose to dismaiss the bill and never did. the other was for a small hospitol bill..thats another story.

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