Re: Has anyone ever known Midland accepting a PFD?
03-19-2009 02:32 PM
"Are you going to apply for anything in the next year? Like a house? Even if not, I would not let Midland ride out. Cap One, maybe. "
what do you mean by this? Why not Midland...but Cap 1 maybe? Midland shows a DOLA of 7/03...they look like they will come off at the same time.
Midland is a CA, they are covered under more laws than the OC is. It is easier to deal with the CA and having it removed rather than Cap One. The Midland is not for Cap One is it? A collection is worse than an OC reporting.
Maybe I am getting confused, but I thought Cap One and Midland was two seperate things.
"Depends if CA tolls SOL or not. See the state resources link below for California statutes."
what does that mean....toll? From what I can tell, Cal SOL is 4 years
Some states will stop the clock on the running of SOL if you leave the state and the clock doesn't start until you move back. So, if SOL began running on December 2002 and you moved Jan 2003, then SOL has not expired if they toll SOL. When you moved back, it would start running again and continue for the remaining time of 3 years 11 months.
So you suggest sending a DV to Midland then....and hold them to TX law? They have 30 days from the date they receive it right? Send them a DV from here? I would draft my own using Texas law. If you try to use the one using FDCPA, they will say because it has been > 30 days since they first sent you a letter they don't have to validate.
What letter could I send to Capital 1? What is the deal with Cap One? Is it yours?
I really believe the Midland account is not mine.....I paid all my debts in 2002. They have also added about $1300 bucks worth of charges. I am willing to PFD if i knew they would do that....and i am tempted to settle just so i can call it a day & show that it's paid.