https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771489#M318477 <P>A CA does not need your consent to do a HP.&nbsp; The FCRA gives them PP in the collection of the debt.</P> Wed, 29 Jan 2014 03:07:00 GMT Anonymous 2014-01-29T03:07:00Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2770903#M318469 <DIV class="lia-linear-display-message-view"><DIV class="first-message"><DIV class="lia-message-view message-uid-2770599"><DIV class="lia-js-resize-images lia-component-forums-widget-board-message-view"><DIV class="lia-panel-message-root lia-message-board lia-panel-message lia-js-data-messageUid-2770599"><DIV class="lia-panel-message-content"><DIV class="lia-decoration-border"><DIV class="lia-decoration-border-content"><DIV class="lia-quilt lia-quilt-forum-message lia-quilt-layout-forum-message"><DIV class="lia-quilt-row lia-quilt-row-main"><DIV class="lia-quilt-column lia-quilt-column-20 lia-quilt-column-right lia-quilt-column-main-right"><DIV class="lia-quilt-column-alley lia-quilt-column-alley-right"><DIV class="lia-message-body"><DIV class="lia-message-body-content"><P>I would like the board's opinion about this because right now I'm paranoid I screwed up horribly. Out of the blue last night I was contacted by Dynamic Recovery Solutions about an old credit card debt that does back like 15 years. Stupidly I acknowledged that the debt was mine and am paranoid that all of a sudden this can show up as brand new debt. Is it actually possible for this to show up on my credit reports again? I haven't signed anythingn or agreed to pay anything.&nbsp;</P></DIV></DIV></DIV></DIV></DIV><DIV class="lia-quilt-row lia-quilt-row-footer"><DIV class="lia-quilt-column lia-quilt-column-24 lia-quilt-column-single lia-quilt-column-footer"><DIV class="lia-quilt-column-alley lia-quilt-column-alley-single"><DIV class="lia-message-footer lia-component-message-footer"><DIV class="lia-quilt-row lia-quilt-row-standard">&nbsp;</DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV><DIV class="lia-linear-display-message-view"><DIV class="lia-message-view message-uid-2770651"><DIV class="lia-js-resize-images lia-component-forums-widget-board-message-view"><DIV class="lia-message-board lia-panel-message lia-js-data-messageUid-2770651"><DIV class="lia-panel-message-content"><DIV class="lia-decoration-border"><DIV class="lia-decoration-border-content"><DIV class="lia-quilt lia-quilt-forum-message lia-quilt-layout-forum-message"><DIV class="lia-quilt-row lia-quilt-row-main"><DIV class="lia-quilt-column lia-quilt-column-20 lia-quilt-column-right lia-quilt-column-main-right"><DIV class="lia-quilt-column-alley lia-quilt-column-alley-right"><DIV class="lia-message-body lia-component-body"><DIV class="lia-message-body-content"><P>Oh I'm in the state of Virginia where the SOL would have ended in 1999/2000 or so. And it probably came off my credit reports around 2003/2004(not sure exactly when because I never checked my credit reports back then) The only other thing I can add is Dynamic Recovery Solutions did do a hard pull through Equifax today.&nbsp;<SPAN>All advice/info welcome.</SPAN></P></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV> Wed, 29 Jan 2014 00:51:36 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2770903#M318469 Anonymous 2014-01-29T00:51:36Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2770905#M318470 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><DIV class="lia-linear-display-message-view"><DIV class="first-message"><DIV class="lia-message-view message-uid-2770599"><DIV class="lia-js-resize-images lia-component-forums-widget-board-message-view"><DIV class="lia-panel-message-root lia-message-board lia-panel-message lia-js-data-messageUid-2770599"><DIV class="lia-panel-message-content"><DIV class="lia-decoration-border"><DIV class="lia-decoration-border-content"><DIV class="lia-quilt lia-quilt-forum-message lia-quilt-layout-forum-message"><DIV class="lia-quilt-row lia-quilt-row-main"><DIV class="lia-quilt-column lia-quilt-column-20 lia-quilt-column-right lia-quilt-column-main-right"><DIV class="lia-quilt-column-alley lia-quilt-column-alley-right"><DIV class="lia-message-body"><DIV class="lia-message-body-content"><P>I would like the board's opinion about this because right now I'm paranoid I screwed up horribly. Out of the blue last night I was contacted by Dynamic Recovery Solutions about an old credit card debt that does back like 15 years. Stupidly I acknowledged that the debt was mine and am paranoid that all of a sudden this can show up as brand new debt. Is it actually possible for this to show up on my credit reports again? I haven't signed anythingn or agreed to pay anything.&nbsp;</P></DIV></DIV></DIV></DIV></DIV><DIV class="lia-quilt-row lia-quilt-row-footer"><DIV class="lia-quilt-column lia-quilt-column-24 lia-quilt-column-single lia-quilt-column-footer"><DIV class="lia-quilt-column-alley lia-quilt-column-alley-single"><DIV class="lia-message-footer lia-component-message-footer"><DIV class="lia-quilt-row lia-quilt-row-standard">&nbsp;</DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV><DIV class="lia-linear-display-message-view"><DIV class="lia-message-view message-uid-2770651"><DIV class="lia-js-resize-images lia-component-forums-widget-board-message-view"><DIV class="lia-message-board lia-panel-message lia-js-data-messageUid-2770651"><DIV class="lia-panel-message-content"><DIV class="lia-decoration-border"><DIV class="lia-decoration-border-content"><DIV class="lia-quilt lia-quilt-forum-message lia-quilt-layout-forum-message"><DIV class="lia-quilt-row lia-quilt-row-main"><DIV class="lia-quilt-column lia-quilt-column-20 lia-quilt-column-right lia-quilt-column-main-right"><DIV class="lia-quilt-column-alley lia-quilt-column-alley-right"><DIV class="lia-message-body lia-component-body"><DIV class="lia-message-body-content"><P>Oh I'm in the state of Virginia where the SOL would have ended in 1999/2000 or so. And it probably came off my credit reports around 2003/2004(not sure exactly when because I never checked my credit reports back then) The only other thing I can add is Dynamic Recovery Solutions did do a hard pull through Equifax today.&nbsp;<SPAN>All advice/info welcome.</SPAN></P></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV></DIV><HR /></BLOCKQUOTE><P>Did you give them consent on a HP?&nbsp;</P> Wed, 29 Jan 2014 00:53:00 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2770905#M318470 H4LO 2014-01-29T00:53:00Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2770955#M318471 <P>No I didn't give them consent for anything. Just the 2 min phone conversation last night where the topic never came up.</P> Wed, 29 Jan 2014 01:04:49 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2770955#M318471 Anonymous 2014-01-29T01:04:49Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771059#M318472 <P>You may want to move this to the rebuilding group, they'll have a lot more information for you over there.&nbsp; I do with you lots of luck dealing with this.</P> Wed, 29 Jan 2014 01:29:26 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771059#M318472 wreith 2014-01-29T01:29:26Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771127#M318473 <P>You probably are OK, simply saying its yours or even making payment on it does not restart the SOL clock in most states. If this is 15 years old it cannot be put back on your CRs and if you want to get rid of them send a FOAD letter. Best advise I can give is stay off the phone with a CA do all communication by mail only.</P><P>&nbsp;</P><P>Adding: If its still open debt they can do a HP..</P> Wed, 29 Jan 2014 01:45:46 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771127#M318473 gdale6 2014-01-29T01:45:46Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771131#M318474 <P>I had the same issue with them and it happened while I was buying my first home...but nothing never came of it except the hard pull on my credit report. &nbsp;I did cuss dem out and tell them about it being SOL and never heard from them again. &nbsp;Good luck though.</P> Wed, 29 Jan 2014 01:44:40 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771131#M318474 EmpressLuv 2014-01-29T01:44:40Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771305#M318475 <P>I doubt you restarted it.&nbsp; Unless it was a written acknowledgment.</P> Wed, 29 Jan 2014 02:34:26 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771305#M318475 Anonymous 2014-01-29T02:34:26Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771383#M318476 <P>No it was verbal and I didn't think anything of it till I got a hard pull today from them and started reading things online that &nbsp;the SOL could be restarted. If anyone else can verify this I'd feel alot better about this.</P> Wed, 29 Jan 2014 02:49:51 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771383#M318476 Anonymous 2014-01-29T02:49:51Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771489#M318477 <P>A CA does not need your consent to do a HP.&nbsp; The FCRA gives them PP in the collection of the debt.</P> Wed, 29 Jan 2014 03:07:00 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771489#M318477 Anonymous 2014-01-29T03:07:00Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771523#M318478 <P>Do they still have permissible purpose on a debt that is way out of SoL? ( I feel like I asked this once already but I don't recall if the time I asked this before if the debt was beyond the SoL for that person's state, and well passed the time it is allowed to be reported on the poster's credit reports)</P> Wed, 29 Jan 2014 03:11:14 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771523#M318478 Anonymous 2014-01-29T03:11:14Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771533#M318479 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>Do they still have permissible purpose on a debt that is way out of SoL? ( I feel like I asked this once already but I don't recall if the time I asked this before if the debt was beyond the SoL for that person's state, and well passed the time it is allowed to be reported on the poster's credit reports)</P><HR /></BLOCKQUOTE><BLOCKQUOTE>Yes, they have PP as long as the debt is unpaid.&nbsp; The only 2 states that have laws against this are WI and MS.</BLOCKQUOTE> Wed, 29 Jan 2014 03:14:46 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771533#M318479 Anonymous 2014-01-29T03:14:46Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771657#M318506 <P>Thanks gdale6! I really couldn't imagine the SOL being restarted. I'll definitely take your advice to never talk to any of these losers. It's unconscionable the amount of interest these bottom feeders want to try to get out of people! I will get a FOAD letter out to them immediately! Thanks again for the advice!</P> Wed, 29 Jan 2014 03:38:46 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2771657#M318506 Anonymous 2014-01-29T03:38:46Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2773387#M318595 <P>I'm thinking I overreacted but some of the language on the internet is not clear about what triggers restarting a statute of limitations. So after the hard pull Dynamic Recover Solutions never even phoned you again? Did you send them a FOAD letter?</P> Wed, 29 Jan 2014 22:10:51 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2773387#M318595 Anonymous 2014-01-29T22:10:51Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2773651#M318641 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>I'm thinking I overreacted but some of the language on the internet is not clear about what triggers restarting a statute of limitations. So after the hard pull Dynamic Recover Solutions never even phoned you again? Did you send them a FOAD letter?</P><HR /></BLOCKQUOTE><P>Each state is different and has different statutes pertaining to how it can or cannot be restarted.&nbsp; You would need to look up your states actual statutes to get the truth.</P><P>&nbsp;</P><P>As you said, there is alot on the internet and some of it is interpretated differently by different people.&nbsp; Your state laws don't lie.</P> Wed, 29 Jan 2014 23:42:48 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Contacted-by-Dynamic-Recovery-Solutions-Zombie-Debt/m-p/2773651#M318641 Anonymous 2014-01-29T23:42:48Z