jzralnc, you really should have started another thread for yourself. You would have gotten more people reading & answering.
All Ca must be licensed in NC type in name & click collections
If they are not licensed file a complaint with your ag their ag and the FTC
make sure that you keep all hard copies of you CR. If the OC is reporting that is where you get most of the info. needed to figure your SOL.
This is link for SOL go to your state!
As you can see that any payment will reset SOL!!!
Try and match all CAs to the OC. The dates shown by the CA usually means......the date that they first reported (not the DOFD) the date that it was assigned or bought (not the DOFD)
If you want to PFD make sure who owns the account. IF the OC owns it try to PFD them...A PFD must be worded exact....you can use a PFD to pay in full or settle for less...wording wording!!!
Only 1 OC and 1 CA can report the same account at the same time. When a CA returns an account back to the OC OR if they bought it and then sell it they are suppose to delete....they never do tho. But they are in violation if they do not.
When you are sure that you are past SOL 3 years from DOFD Contact the OC and ask to PFD.....if they accept pay them forget the CA for awhile!
It is always better to PFD an OC..........IF the OC refuses I would not pay until they do......keep trying even if you pay in full (using a PFD)
NEVER TALK TO A CA!!!!! THEY LIE!!! EVERYTHING IN WRITTING!!! You always want a paper trail!
If you had a judgment you should have been served to appear in court.....Judments are shoun under *publec Records* on you CR!
And lastly - does the juice keep running when a debt goes to collections? I was recently in contact with a CA office b/c I had received a letter in the mail and could not attribute what is was. I didn't know who the original creditor was. The guy on the phone implied that the debt could go up - that he could not guarantee the amount would be the same as the money currently owed. The debt in collection on my CR is $633. The debt listed on the collection letter is $909.24. This was the Home Depot account in NC, and the current collector is OCWEN. they further list the original creditor on their letter as Idt Carmel, not Citibank
Because you made no payments the SOL starts at DOFD!!!!! it doesn not change when a CA takes the debt!
The debt showing on your CR $633 is this the OC reporting?(home depot) if so look for the DOFD.
Is this near or past SOL? If it isn't you should be ready to pay in full.
You have 30 days to answer that letter!!!! send them a DV CMRRR if you are within SOL I would call the OC and see if they will accept full payment using a PFD.
Message Edited by HappyDays on
03-30-2008 12:12 PM