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when we 'repair' our CR's ourselves, we can do this at OUR own pace

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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: CR
 
Posted on Sun Aug 26, 2007 5:33 pm  

Want to add ( when DON'T I want to add something!?LOL) ..when we 'repair' our CR's ourselves, we can do this at OUR own pace...NOT the pace of some company. Make sense??
Sig



Joined: 25 Aug 2007
Sig's page
Posts: 14



1052 Magic Points

 
Posted on Sun Aug 26, 2007 6:36 pm  

Just feels awkward not paying for it just seems unresolved.
But basically if it drops off its over with. It would almost be like I did pay for it and got a settle mark then it dropped off anyway??

But I do have the right idea about if its a small account like this that i really shouldn't have to worry about getting sued here in the next 6 months!

And what I ment by dropping off is that like a good and accurate way off assuming its been 7 years. I just want the reassurance that it is truely is done and over with for the peice of mind!

Sorry to keep going on and on about this but it seems hard to have peice of mind when you dont pay anything and just let it go. LOL

Also some other things just so you know for helping me is I have been to court twice for credit stuff and there on my report so thats why it worries me hoping that it will just go away by leaving it be.

And as far as sueing me I really don't own anything. Unless they want my computer which is worth $50.

But I hope this clears things up to make it easier to understand why I am so worried about just letting it go and not paying.

Ok I am done rambling LOL

Oh didnt see your post on page 2 LOL Yes this is starting to make alot more sense as I ask away. I am finally starting to feel better just being able to talk about this stuff. I have just ignored this stuff for so many years because I just get sick of it!
And add as much as you want. Very Happy

Ok now I am done rambling LOL
Morningstar

Morningstar

Joined: 17 Apr 2007
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Posts: 576



11 Magic Points

 
Posted on Sun Aug 26, 2007 6:44 pm  

Quote:
Also the part that is confusing me is the 10 year SOL for Illinois. All I recieve is stuff in the mail all the time to pay and with settle deals. So as far as the 10 year SOL I am believing that I dont fall into that category because I have no written contract that has been sent to me just the monthly mailing about paying.


I think it's one of two arguments...
either the original credit card agreement would constitute a written contract, or each credit card purchase (mostly at a store) where the receipt you sign has a line that states you agree to pay the CC company back. IDK for sure, I'm not an atty, but I've been hearing about this more and more.

Don't know how it slipped my mind, but I'd send each and every CA on your report a letter demanding validation, not verification. You can find a template on the debt forums.

Quote:
Whats confusing me is. I see Date posted for collection 3/2006 and estimated removal 10/2010. Thats only four years. So I am assuming the 7 years started at the last payment or when it started getting bad. But the problem is its been so long I have no idea when the last payment would be.


Provided that each CA is in compliance with the law, and not changing dates, the 7 years would begin at the date the debt was charged off (180 days after you defaulted), not necessarily the date of last payment.
_________________
I don't dream since I quit sleeping
Sig



Joined: 25 Aug 2007
Sig's page
Posts: 14



1052 Magic Points

 
Posted on Sun Aug 26, 2007 6:58 pm  

So basically I am probably looking at 10 years on most my stuff not 7 years???

This is the whole part that gets confusing.
Thats why I was hoping I could use the drop off date as kinda of an accurate guage of when its truely over. If the drop off is 7 years and the SOL is 10. Then I wouldn't have that peice of mind for 3 more years technically???
Morningstar

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 576



11 Magic Points

 
Posted on Mon Aug 27, 2007 9:13 pm  

Start with validation. If they can't prove you owe the debt...they can't legally sue you for it. Also, the SOL is not clearly defined--it is muddied by case law...in the event of a lawsuit (assuming they have the standing to take you to court), you'd need a lawyer to assert the correct SOL for you.
_________________
I don't dream since I quit sleeping
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



36459 Magic Points

 
Posted on Tue Aug 28, 2007 5:21 am  

Okay tell me Sig,

These debts are not written contracts? Check this information out, you might find something useful.

Quote:
This is the time for each condition:

Oral Agreements: 5 years

Written Contracts: 10 years

Promissory Notes: 6 years

Open Accounts: 5 years

_________________
Regards,
Laura.
Sig



Joined: 25 Aug 2007
Sig's page
Posts: 14



1052 Magic Points

 
Posted on Tue Aug 28, 2007 9:35 pm  

Thats the part I am having hard time understanding.
Alot of these do say account type: open account.
As fars SOL I don't understand what constitutes 10 years. As far as them being able to sue.
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36459 Magic Points

 
Posted on Wed Aug 29, 2007 7:08 am  

So if its an open account due you know the date of delinquency? The date of first non payment. From that day till 5 years will be the SOL for that account.

Correct me if I am wrong
_________________
Regards,
Laura.
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36459 Magic Points

 
Posted on Wed Aug 29, 2007 7:11 am  

Just another thing...this is what morning star had defined once. This is useful for you.


Quote:
SOL = Statute of Limitations

This means the amount of a time a creditor has to file suit against you in order to obtain payment on a debt. It varies from state to state and also with the type of debt (credit card, contract, etc...).

_________________
Regards,
Laura.
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Guest






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Posted on Mon Sep 02, 2019 8:35 am  

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But the latest round in the battle to save Virginia's Sweet Briar College where a judge approved a deal on Monday to keep it open next year shows just how difficult it is to put a college bankrupt, Even a small one facing stiff monetary headwinds.

[Sweet Briar survives as judge approves settlement deal to keep the college open.]

Customers of Borders or Tower Records didn't save those retail chains when the forces of energy solutions and changing shopping habits forced them to close. Alumni of a college are unique kind of customer. A college diploma is probably the only "unit" We buy one time in life (and often early on), And in which we still take an active interest during the corporation years or even decades later. We even advertise the college for free to other clients throughout our lifetime with sweatshirts and car window decals.

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Guest






Subject: Criminal Records removed
 
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