Cap One question

[Anonymous]

After viewing your message i took another long look, including pulling some old reports and it turns out my Cap One account has a DOFD of 11/2001 and is due to drop off on 12/2008. I am in Tennessee where the SOL is 6 years. They had me served in Jan of 08 with a court date of Aug 2008 - just two months before it is due to drop off my report. Not sure if Tennessee is a SOL or DOFD state. I was pluggin away for a PFD with Cap One directly to avoid the CA and court date. It now looks like THEY SERVED ME 2 MONTHS PAST THE SOL and I have them in a corner. What do you think?

[Anonymous]

Any thoughts on this folks?

[llecs]

I'd seek legal cousel to be sure. Some states allow for a carry over of SOL if moving from one state to the next, meaning two different SOL periods could apply.

If you are 100% certain, then show up to court and state that it was past SOL and ask for a summary dismissal.

BTW, PFDs with CapOne are next to impossible. DW had one and they denied over and over and over again. Sent something like 8-10 PFDs with maybe 2 responses to the negative. Then one day, they changed the balance due to $0 on each CR. No explanation, but likely due to them selling it, I assume.

[Maryn]

I aggree with Kiki--I settled with that agency before I knew enough to check the SOL.  It was over and now I have a late payment reporting for the settlement...