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Established Member
Posts: 24
Registered: ‎07-31-2007
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Re: Help- I'm New!

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
Moderator Emeritus
Posts: 7,326
Registered: ‎06-18-2007
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Re: Help- I'm New!



Anderson wrote:


fused111 wrote:


Anderson wrote:
Fused-
So, you advise this only because the OP has not responded within the allotted 30 days?

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.





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.


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.



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
Established Contributor
Posts: 716
Registered: ‎06-03-2007
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Re: Help- I'm New!



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


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-
 
Good luck
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
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Re: Help- I'm New!

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.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

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Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: Help- I'm New!

MODS are not omniscient!:smileyhappy:
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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