Repo Deficiency Question

[baller4life]

I had a vehicle voluntarily repossessed in August 2011 and never received notice of the sale or any deficiency balance left. I wasn't made aware of this $7k balance until I pulled my credit reports. I successfully disputed it off of Transunion. However, it was verified by EX and EQ a few times. I wasn't properly notified of sale ever. Is the SOL from the date of repo or date of deficiency? My last payment was December 2010 and the SOL in Texas is 4 yrs. I don't want to stir the pot and end up getting a judgment filed for the balance. Thanks in advance for your help. This is one of three baddies left on EX and EQ and I need it GONE!!!!

[baller4life]

Anyone? Mods?

[gdale6]

Anything to do with Why Chat cannot be discussed on this board per his request.

[baller4life]

My deepest apologies. I had no idea. I will edit that part out. But, I do still need an answer. When does the SOL start? From date of first late or from repo?

[juggalo9er]

can someone pm as to what whychat is?

[baller4life]

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@juggalo9er wrote:

can someone pm as to what whychat is?

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Edits have been made. You can google it. Credit repair letters that apparently cannot be discussed here.

[gdale6]

It is the DOFD just like a CC account for the SOL.

[baller4life]

That is my confusion. I have read that and then I have read the repo voids that and it then becomes from the date of the actual repo. Confused!!

[guiness56]

As far as how long it will remain on your CR it is 7.5 years from the DoFD, just like any CO or collections.

[baller4life]

That part I understand guiness56. My question is when the SOL starts. Is it from date of last late or date of repo?