CreditDumb

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About CreditDumb

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  1. New update For months I have received nothing from either Midland or Greene and Cooper. I requested a debt validation, received nothing. The collection account was removed from my credit report. I've gone on with my life. I moved last week. Today I received three legal advertisements in the mail. It looked like junk but three in one day seemed strange so I opened. They all detailed a lawsuit against me from Midland. I went to my county website and looked up the case and there it is. Midland has filed a suit against me. They filed on January 13th, but that was after I moved
  2. Thank you, everyone. Appreciate all of the responses! I definitely had no intent to represent anyone in any sort of court. I merely recalled this website and thought that perhaps there was some advice I could pass on to Friend. It's unlikely she'd be coming to this website as when she can't afford a computer and internet for herself and can only access the internet when she has time, which is just a few times per month, meaning she has to be frugal about how she uses that time. There is no chance she can avoid a debt consolidation company because that's who holds the d
  3. I posted this in another forum but received no responses. It could fall under the 'legal issues' heading depending on how it's viewed. I was helped so much by others here and am hoping my friend can be helped as well. Background: Friend lives in Georgia. She had a car and a credit card and was paying on time. Friend experienced a serious illness, was hospitalized and got behind a couple of months. While in the hospital, she received a letter stating they would take her to court if she didn't pay immediately, she promptly freaked out because the idea of court is terri
  4. I was helped so much by others here and am hoping my friend can be helped as well. Background: Friend lives in Georgia. She had a car and a credit card and was paying on time. Friend experienced a serious illness, was hospitalized and got behind a couple of months. While in the hospital, she received a letter stating they would take her to court if she didn't pay immediately, she promptly freaked out because the idea of court is terrifying and she didn't want to be the sort of person who had to go to court for unpaid bills. She signed up for a debt consolidation loan with springleaf after
  5. I still have not heard anything from Greene and Cooper and it took nearly three weeks for my return receipt to be returned. Is this good or bad? I did vaguely mention SOL concerns (simply by remarking on new state residency), though I find I'm not understanding the SOL. Is it time barred if they haven't collected payment by the end of the 4 years? Does the fact that Midland sent me a letter threatening legal action very shortly before the debt became time barred change anything? If it's technically time barred, can I request the credit reporting unions remove it from my personal report?
  6. Got the CMRR letter mailed off this morning. For two days I've felt a feeling of wanting to throw up so it was a huge sigh of relief to get that out of the way. Thanks so much for the assistance so far. I'm going to spend some more days reading everything I can on here and over the internet/at the library and continue gathering my own information as I'm sure I won't be lucky enough that they'd just drop it due to SOL. Thanks again for the help.
  7. @Clydesmom If I state the SOL has expired, is that admitting that I know about the debt? Should I request a debt validation before remarking on the SOL if I'm also disputing the debt?
  8. @BV80 I may be exaggerating a bit regarding the threats. They were in writing, that they will take legal action. Of course, because I'm an idiot, I threw these away. I sincerely thought that if I ignored it, it would go away. I'm recognizing that I was dumb for not really looking into this more after I read information that was most appealing at the time.
  9. Thanks @shellieh98 ! I have extremely poor records so it will take a while to backtrack some of the bank account and payment things, and may not even be possible, but I'll definitely try to find as much information as I can. For the most part, I'm going by hazy memory (military related brain injury at the time) as well as my credit reports. The account is reported closed and charged off in 2009, but last payment is reported in May 2011. Hopefully I can find definitive proof one way or another somehow. I'll look into the residency issue. I moved to Georgia in April. I got a driver'
  10. I am not entirely sure. There is a slight overlap on addresses. I think it would be correct to say that my official mailing address at the time was most likely Texas, though I was actually living abroad at the time. Also to add, the creditor closed the account in 2009. It states that the last payment was in 2011, though I know that I did not make that payment, it was the date when I finally gave up trying to get the creditor to allow me access to my checking account. The creditor sent to collections in 2009, and it bounced around to so many collection agencies. It's apparently been wit
  11. Please see update below. I feel so panicked and overwhelmed that I'm having a hard time reading all of the info on this site to figure out what I'm supposed to do. About ten years ago I got a credit card with Navy Fed. I used it, I made payments, then became injured and for exactly three months was not able to make my minimum payments. I called to let them know and they seemed fine with it. Then, they disabled my bank account and sold the debt to collections. After many years, I still have not been able to access my money with them. The debt was sold many times unt