I had a Ford Tempo reposessed in November of 2000. Is that considered the DOLA? I am not sure when I made the last payment. I also no longer have my old credit report. I shredded them as they got better. Anyway, how can I find out DOFP? As far as I remember I made a payment in November 2000 but i had no insurance. I am now getting calls from a CA. What should I do. The acct is scheduled to fall off this year. Do I send them a PFD with an offer? Please any advice I want to do the right thing.
