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PismoMom wrote:
Here it goes, my first post Apologies if this topic is covered already. TU reports a Collection Account with NCO Financial Systems (NCO) which I never knew about until today. I called NCO to inquire and they informed me that it was a final utility bill from Seattle WA, which was "lost in the mail" from April 2002. According to their records, I last paid on that utility account March 2002. Since I just became aware of this debt, am I still liable? Washington state's SOL is 6 years and it's now 6.3 yrs old. NCO explained that they have intent to sue, the balance is now $211 when all fees are added. What do I do? Do I send a letter to TU, NCO, the Utility Company or all? If so, what type of letter? Any help is much appreciated.
@Anonymous wrote:The debt isn't too old to collect on. But if those dates are correct, it is too old to sue on(as long as you appear in court).
@Anonymous wrote:
@Anonymous wrote:
The debt isn't too old to collect on. But if those dates are correct, it is too old to sue on(as long as you appear in court).
Oh, well I cannot appear in court if it's in Seattle, I live in CA now...how do I avoid this? I'll be checking the other information you gave me, thanks for your speedy reply.
PismoMom wrote:
Another question...since I didn't know of this "final bill" until 6.3 yrs later, can I pay the original debt to the OC or do I have to deal with this debt-collector?
Try to do #2 and if that doesn't work then do #1.
PismoMom wrote:
Sorry for all the beginner questions, but in your opinion which plan of action would benefit my credit score the most?
1. Contact CA with a DV followed by a PFD
2. Get OC to release debt from CA
Message Edited by PismoMom on 07-22-2008 07:41 PM