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Here's a scenerio....(yeah, it's mine)2002 - up til oct all ok, then nov & dec-both 30 late,2003 Jan & Feb both ok, then Mar & Apr-30 late each, then May June-both ok, then jul-30, aug-60, sep-90, oct-120, Nov-120, dec-120,2004- Jan & forward...CO.What is my dofd? That first one in nov 02, or the one starting jul in 03?
BungalowMo wrote:Ilecs...thanks. I did that & see nothing on ex & not all on TU tell me.
@Anonymous wrote:Hmm...the SOL in FL arlready expired 2yrs ago and I moved to IA this year. July marks the drop off date for my CO of which the DOFD is in early 2001. But accrding to the bankrate.com site posted in this forum, the IA SOL is 10yrs!!! Have I become fresh bait for the sharks again?
llecs wrote:
BungalowMo wrote:Ilecs...thanks. I did that & see nothing on ex & not all on TU tell me.First off, sorry about the smiley face. I typed something wrong that caused that.Sometimes the drop off date may not be listed at all if the account has the potential of becoming good again (after 7 yrs). In that case I would use the July date and/or call them and ask for an accurate DOFD.
@DustyStash wrote:Mo per the FCRA, your DOFD is absolutely July of 2003, no doubt.Also, Wonderin said ..."Florida's NOT a debtor-friendly state by any means"This is maybe true for SOL purposes, but certainly not true at all in other areas. When one is sued and a judgment is issued against you, Florida IS hands down, thee most debtor friendly state in the nation. So Florida is very debtor friendly in some areas of the law. You don't think OJ Simpson who owed 26 million or whatever it was, moved there just for the sun and oranges did you ? He had plenty of sun in Southern California. He went to Florida to dodge his civil judgment .. and SURPRISE ... he hasn't paid much if any of it still all these years. Florida is absolutely debtor friendly post judgment.Cheers