topic Re: Type of debt for Cell Phone in General Credit Topics

Type of debt for Cell Phone

Anonymous — Thu, 23 Feb 2012 18:21:41 GMT

Can anyone tell me if a cell phone is an open contract or a written agreement? I've searched the forum and find various answers dating back to 2008. I just want to know if it's an open account or a written agreement. Anyone know for sure?

Thanks

Re: Type of debt for Cell Phone

pizzadude — Thu, 23 Feb 2012 18:55:57 GMT

Generally you sign a contract with your cell phone provider, it wouldn't be an open account.

Re: Type of debt for Cell Phone

Anonymous — Thu, 23 Feb 2012 19:00:22 GMT

That's what I thought, too. I just wanted someone to verify. So, it's a written contract. Thanks so much. I'm trying to go through my credit report and figure out not only drop off dates but SOLs

Re: Type of debt for Cell Phone

pizzadude — Thu, 23 Feb 2012 19:36:48 GMT

@Anonymous wrote:
That's what I thought, too. I just wanted someone to verify. So, it's a written contract. Thanks so much. I'm trying to go through my credit report and figure out not only drop off dates but SOLs

Good idea ~ it's always best to know where you stand before you start taking care of old unpaid items on your reports.

Re: Type of debt for Cell Phone

RobertEG — Thu, 23 Feb 2012 21:12:21 GMT

I would also check into the federal SOL pertaining to telecomm debt, which I believe has a federal SOL of two years.

Written prior to the wide usage of cell phones, there is some controversy about its applicability, but you might want to do some research on that subject before relying only on your state SOL code.

Re: Type of debt for Cell Phone

Anonymous — Thu, 23 Feb 2012 22:07:54 GMT

@RobertEG wrote:
I would also check into the federal SOL pertaining to telecomm debt, which I believe has a federal SOL of two years.
Written prior to the wide usage of cell phones, there is some controversy about its applicability, but you might want to do some research on that subject before relying only on your state SOL code.

Thanks for the advice, Robert. I was thinking about that, also. From what I've found (via Google), there are some reasons to believe that in Alabama (where I am), it is 2 years for telecomm. However, even that seemed to be dated from the mid 2000's. I wish I could find something more concrete and more recent. Any ideas where I might have luck looking for that info?

Re: Type of debt for Cell Phone

pizzadude — Thu, 23 Feb 2012 22:20:58 GMT

How much is the outstanding debt ? Many times the amount of money involved plays an large part in determining the likelihood that you will be sued. Obviously people have been sued for small debts, but generally the chance of it happening is less.

Also the CA can keep trying to collect the debt even when it is out of SOL ~ you just get a defense if they did decide to sue you.

Re: Type of debt for Cell Phone

Anonymous — Fri, 24 Feb 2012 02:42:44 GMT

@pizzadude wrote:

How much is the outstanding debt ? Many times the amount of money involved plays an large part in determining the likelihood that you will be sued. Obviously people have been sued for small debts, but generally the chance of it happening is less.

Also the CA can keep trying to collect the debt even when it is out of SOL ~ you just get a defense if they did decide to sue you.

Hi pizzadude - the debt is pretty big (for my measley salary anyway lol). It's $1100+ I was hoping to PFD with a lower amount. Back in the day (before job loss of 3 years), I could've paid it but with the money I make now, it'd take me forever. The DOFD is 12/2006