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  1. @BV80 both, I also mention to her SOL 3years for SC she said that doesnt matter since I was sued and the judge ruled in favor of Bank, still no proof though. Is it a good idea to send debt valudation letter?
  2. What is FDCPA? Last payment was either 2008 or 2009 not sure what month.
  3. I've made some mistakes in the past, who hasn't?! I recently contacted the bank I owe a balance with a credit card and loan. The debt was charge off July 2009. My plan was to workout some type of deal with the original creditor, but the creditor referred me to CU Recovery the collection agency they deal with. Per the rep I spoke to the bank wants over $6000 when I only owe 3200 because of added interest plus the rep claims I was sued over the debt so I have to pay for that as well. I requested a settlement to 3500 along with a pay to delete. She said the creditor isn't going to honor and not