Help- I'm New!

[harleyquinn]

Okay that is great. One I am sure was the first credit card I ever owned, and I am sure I haven't had that card in forever...and it is def not on my report. The other was for a gym, and I know I haven't belonged to them since around 94 or 95.

I am really stunned how they can just keep on selling your debt!

Thanks everyone

[Anonymous]

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Anderson wrote:

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fused111 wrote:

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Anderson wrote:

Fused-

So, you advise this only because the OP has not responded within the allotted 30 days?

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fused111 wrote: 

The SOL in NY is six years. What this means is the CA can try and collect the debt but they cannot sue you. I received a couple letters just like the one you got in my mailbox several months ago. What did I do, I ignored them. I wouldn't worry about it. DO NOT DV the CA, it's too late. If they try and report anything on your CRs let us know and we will help you.

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Either way, I would ignore them! Since I received these letters, I have not received a single follow-up letter or even one phone call.

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OK. I just received a similar letter, out of SOL, fallen off CR. I DV'd them cause I don't want letters & phone calls. I want to know exactly what they know, and if they screw with me I want it documented.

We'll see how it plays out for the 3 of us.

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Keep in mind that the state SOL is past the CA can not file suit and neither can the OC  BUT the OC can still try & collect because you do owe them. How they can collect is beyond me.They sure can't from me

[Anonymous]

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harleyquinn wrote:

Okay that is great. One I am sure was the first credit card I ever owned, and I am sure I haven't had that card in forever...and it is def not on my report. The other was for a gym, and I know I haven't belonged to them since around 94 or 95.

I am really stunned how they can just keep on selling your debt!

Thanks everyone

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Well, you've got two opinions. I'll defer to fused only because he's a Moderator. I've got a similar situation, you can read all about it here-

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=31859

Good luck

[fused]

JDB's commonly mail these types of letters to scare you into paying them. Some people who don't know the laws and don't know their rights simply pay. Not a good idea. I know what they can and cannot do. They know they cannot report the collection, it's too late. As far as I'm concerned they can go fly a kite.

[fused]

MODS are not omniscient!