Screwed up before I found this forum, HELP

[750orbust]

So which states SOL applies to me?

[guiness56]

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@DiabolicallyRandom wrote:

Yeah Guiness I had to go into the branch as well.  I had charges on my bank card for websites that would be unbecoming to discuss.  They just wanted to cancel my card and send out a new one but I insisted on an all new checking account too. Since I wanted the new account I had to go into the branch, it was pretty quick and easy, the difficult part was just changing  my information through everything else after the fact.

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Yep, and of course I forgot a creditor that took out automatic payments which got me in trouble with them.  You can't win for losing.

[guiness56]

They can use either one.  It is usally the state you currently reside in.

Can you call them and ask about that letter and your prior agreement with them? 

[750orbust]

I may end up having to contact a consumer attorney on this one. I don't think Portfolio is going to take the news that I'm refusing to pay them anymore very kindly. And dealing with the two different states I think this could get pretty complicated.

[guiness56]

Yeah, that could be your best bet. 

[750orbust]

Yes I'll call them tomorrow. Because in our original conversation he told me that if I made all of these payments that in one year I'd have it completely PIF and the debt would be satisfied. He didn't say anything about interest continuing to be added. This letter they sent me even says " Interset continues to accrue on this account until the account is satisfied, unless interest has been suspended (which it obviously hasn't) The above balance ($1,646) includes interest as of the date of this letter. You may contact us to obtain an exact payoff amount for a future date."

[guiness56]

I would definitely call them.  They can't back out on an agreement.  And they are limited to the amount of interest they can charge.

[750orbust]

I'll call them in the AM. Thank both of you for your help.

[750orbust]

Hey Guiness, you're in AR aren't you? Do you happen to know of a good consumer attorney I could use. PM me if you do.