I am in North Carolina, where I believe the SoL is three years.
Bad decisions led to me being in debt around $6,000. One card with $3,100, the other with $2,900. I believe now, however, the debt has been sold off to collection agencies. Some stats on the cards themselves: both opened in 2007, last payment date 8/18/2011 on both cards, both closed on 4/26/12, and the last date updated was 6/26/12 for both cards (according to TransUnion credit report).
Currently, I work at an internship where I make $12 an hour and do not have any benefits (health, time off, etc), forty hours per week.
I sent the same debt validation letters to both companies, NCB Management Services and MRS Associates, certified mail, on July 18, 2012.
On August 1, I received this letter from Chase Bank (original creditor to both cards) on reference to one of the accounts:
“Dear XXX,
Thank you for your recent inquiry, we appreciate the opportunity to assist you.
Chase is considered an original creditor under FDCPA, not a debt collector. As the original creditor on this account, we provide monthly billing statements to the address on file.
We can provide copies of statements or other account documentation, when available, if you send us a specific request for them to the address listed above. Please not that documents may not be available for your account if more than six years have passed since the account was closed.
Questions or concerns, call _____________”
I did not receive any correspondence from the other account.
On August 10, I moved to a different city within the same state. I forwarded my mail both in the leasing office at the old apartment and with the USPS, but I have not received any correspondence from either account whatsoever (and I had no mail as of 8/10 at my old location).
What next steps should I take at this point? I no longer receive collection calls (asked for them to stop in my debt validation letter), so I have no idea who owns what debt (it appears that Chase still owns at least one of the debts, not sure though), who to call, or what to say at this point.
It has now been at least four months without any contact (that I know of) from the collectors and with no correspondence via mail (not sure if they have my new address, it is listed on my credit report though) and no phone calls. Does calling them and inquiring about the debt reset times? I’m not even sure what to do at all.
If anyone, and I mean anyone, could advise me soundly, I would be forever indebted (no pun intended) to you. I have made mistakes; I understand that and am willing to do what I can now to alleviate this problem. My credit score as of July was 530ish and I realize that will screw me completely if I do not get this taken care of as quickly as possible. My only thought now is to use my estimated $2000 tax refund as bargaining/leverage to pay off the debt.
Thank you so, so very much.
