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blackstarr168

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  1. Will reaching a settlement (very low) stop them from selling my account? I really would just like to stop any collection efforts, even if I have to pay a couple hundred dollars.
  2. Is it better to settle with the CA who currently has my account, or the OC? Also, if I settle with the OC, how do I keep them the CA's from trying to collect? Do I just tell them that I settled with the OC? Thanks for all your help.
  3. I live in Cali. Will they try to collect forever? If I settle for a small percentage, will this stop the collection? Will they re-age my account? Also, how do I show proof that SOl is expired if I should go to court?
  4. What does it mean when an account is "re-aged"? How can I tell if something is reaged? I noticed that when one of my accounts were sold to a JDB, the account opening date was updated to a more recent date. Does this mean that it will stay on my account longer, even though the DOLA is past 7 years? Thanks for your help.
  5. I'd like to settle with them to get them off my back and stop trying to collect, even though the debt is several years out of SOL, and no longer on my CR. Will settling stop CA's from selling my debt to another JDB?
  6. Asset Acceptance took over an Associates credit card debt. The DOLA on the cc is 10/2001, and SOL expired (I'm in Cali). I believe they sent letters over the years, but I did not DV. They called a week ago and left a message. What should I do to stop them? 1)Is it too late to send a DV letter? 2)Should I send a Cease and Desist letter? Will this stop them from trying to sue as well? If I send this letter, can they still contact me somehow differently (employers, etc)? 3)For a debt that is out of SOL, what is the best method that will stop CAs from trying to collect/sue/garnish wages if I did NOT send DV letters in a timely manner?
  7. Isis, if I want to pay the judgement, who do I pay to? THe OC, the CA that took over the debt or the court? Thanks.
  8. "3)I read somewhere on this forum that even though SOL expires, my debt can still be bought and sold and more CA's and junk debt collectors can keep trying to collect this debt. Do I need to send a Cease and Desist letter every single time it happens? Is there a way to get them off my back forever after SOL expires? Yes send them each a letter. No, you can't ever get them off your back. They are allowed to collect on the debt forever. They just can't report you after 7.5 years." >> Can I settle with a CA for a very low sum (maybe 25%)? Will this lower my credit score if I settle? most of my TL's have already been deleted or no longer on my CR, but I would like to get them off my back forever somehow. If I settle for a low sum, will they still be able to sell my debt to another Junk Debt collector? Thanks for all your help.
  9. I've been reading some posts and am slowly improving my score, but I have several questions and I hope someone can help me answer them. I have several credit card debts from about the year 2000 that are past or almost past the SOL. Asset Acceptance picked up two accounts (Associates and Providian). I have one Equifax report from 2005 that shows the Asset TL and shows my Providian Account DOLA is 4/2000. My Associates DOLA shows as 6/2000. 1) How do I show proof that the SOL is expired? How do I get "written proof"? Can my 2005 credit report serve as written proof that SOL is expired? 2) I also have a judgement against me that was filed in 9/2001 by Associates. It is on my CR as a public record. How do I go about settling this debt? Should I pay this in full amount? How do I go about settling this? Also, do I pay the court? or Associates? or the CA that took over the Associates debt? By the way, I am showing two TL's on my CR, one from Associates (OC), and Asset (the CA). Is this legal? 3)I read somewhere on this forum that even though SOL expires, my debt can still be bought and sold and more CA's and junk debt collectors can keep trying to collect this debt. Do I need to send a Cease and Desist letter every single time it happens? Is there a way to get them off my back forever after SOL expires? 4) If my debt SOL expires and TL is deleted, can I still be sued? What can I do if I am sued without ever hearing from them (thus I am unable to defend myself)? Should I try and settle with the CA's for these debts, even though SOL has expired? I've so many questions, but I'd appreciate any help. I am just trying my best to increase my score, but also to prevent anything terrible from happening by avoiding my debts, even though they are so old and SOL expired. Thanks for all your help!
  10. Thanks. I actually found it. I think I will DV and try to have them delete from my report. Its been years since I received any letter from CA's but can I still DV?
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