DOFD, & I've read just wanna be sure

[Purrpoze]

I've read at least 4 threads but still have to ask, is my DOFD June 2010 or January 2010 

& also, this is the CA collecting for HSBC, so it follows the same SOL right?

Another question, my capitalone would be April 2010 right?

And my final question what should I do??? (of course lol).....the SOL is 3 yrs for dc I believe so do I wait until after to try a pfd for them both? WWYD if this was your report? Start paying them off now? Any suggestions are appreciated & needed! Thank you!

[nicholasyud]

1. Feb 2010

2.yes

3. Dec 2009

4. Call them and see if they let you do paid for delete( only paid for delete) and let them sent the letter to you state what they going to do before you paid...Good luck

[Purrpoze]

Guess I didnt understand after all! So is it safe to call while in the SOL? I don't need to wait? 

[Shogun]

All the SOL means that they can't legally take you to court to collect.  Personally I wouldn't call anyone.  I like to do mine by mail.  Leaves a nice paper trail that way.

[Purrpoze]

@ shot yes that's what I've read it's better to send a letter.....okay I'll try my hand at the pfds....I have really bad luck though I'm scared the CA just might take me to court  thanks for the replies!!

[Shogun]

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@Purrpoze wrote:

@ shot yes that's what I've read it's better to send a letter.....okay I'll try my hand at the pfds....I have really bad luck though I'm scared the CA just might take me to court  thanks for the replies!!

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Worst case scenario, they threaten to take you to court.  You pay and avoid that anyway.  Just remember one thing, never acknowledge it was your account.  You can say you don't recall this,, whatever,,,, just don't say "yes it's mine".   And don't sign any agreement.   These things can sometimes restart the DOFD depending on your state.