Erica South Carolina

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Everything posted by Erica South Carolina

  1. The credit agencies removed the collection off of her credit reports after I sent them a letter stating the statute of limitations law in SC. Does this count for anything?
  2. They say when I called them that they are a debt collector not a law firm.
  3. I called National Collegiate Trust and they said Transworld systems has the loan, than Transworld systems told me the loan has been sold again to Scott and associates.
  4. Also, the amount of the loan settlement Scott and a$$. Sent her is $8000.00 more than the original amount.
  5. National collegiate trust is the servicer of the loan. The loan has been bought by Scott and associates,PC. My dad nor sister have never been served, so we never knew anything about a lawsuit until now.
  6. I attactched a screen shot of what the SC judicial website says.
  7. I am sorry, she is listed as the defendant, not the plaintiff.
  8. It is the same account, as was in November. We never even knew anything about it until they just mailed a settlement offer last week.
  9. They mailed her a settlement letter offer. I looked up the court documents it looks like they did this in november. She is listed as the plaintiff.
  10. Im sorry, just looked over it, and it is 3 years.
  11. Recently, I have been on a crusade to fix mine and my sisters credit. We both took out student loans in 2007 through the same company. We defaulted on the loan and it went into collections. I have been studying SC laws and the fair consumer act practices religiously. I found that there is a statute of limitations in SC of two years. I was relieved. I drew up a dispute letter stating the statute of limitations and sent it to all three credit agencies. Three weeks later, I check mine and my sisters credit report and the loans were completely removed, my letters worked! Unfortunately, the debt collector reached my sister three days ago, convinced her that if she didn't pay up her and my dad (cosigner) would be sued. She panicked and paid $1000.00 to them. She did not sign any contracts. I looked her up to see if there was a judgment against her and there is, but I am confused at how this works and what we need to do moving forward. I have attached the court documents. Someone, anyone please help, i can handle this with just some advice on where to start. PIImageDisplay.aspx