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swirlgirl last won the day on December 21 2008

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  1. I'm having a similar situation with TU. I'll be filing suit within the next couple of weeks. No sense in playing around when the truth is so evident.
  2. I'm sure just filing and serving them will get their attention. If you have proof from the state that the liens are not valid, you should prevail.
  3. Did you dispute with the CRAs? How are the OCs in violation of the FCRA?
  4. What are you trying to achieve? Is the account in good standing like First Premier said?
  5. If they filed in Oct 2008, there could have been a court date that you didn't know about. If there is a public record on your CR, then this is most likely what happened. Again, get the court file to see what's in it.
  6. Supposing Verizon answered your 623 and provided your entire billing history, then what would you do? Have you thought about just paying it? Or you could wait it out.
  7. It sounds like you have a default judgment. Contact the court to get the case file.
  8. Use the partial account numbers as listed on the CR. They will be able to find the account. As far as which letter to do first, I'd say contact the CRA first. If they delete, there's no need to contact the CA.
  9. Did you dispute all of the CAs with the CRAs before you sent the DV letters?
  10. Sorry to tell you this, but even when the debts fall off of your credit report, they don't actually go away. The debts are still valid. You can still get sued and hounded forever (letters, phone) on these. The 7 years is the reporting period for your credit report only. The CRAs do not have the power to cancel debt. They just can't report it after 7 years. So, the debt is still alive.
  11. Have you explained to the CA that it's not a student loan and that the debt was discharded in your BK? It could be an oversight on their part and they may not know about the BK. Send a letter to the CA explaining the above. You may also want to search the Bankruptcy forum for more info.
  12. Charging off and being sent to collections is two different matters. Charging off is an accounting term meaning they took the active debt off their books. It doesn't have anything to do with collections. The debt has been charged off AND sent to collections. This is normal. The 7-7.5 year reporting period is based on the date of first deliquency. When did the debt first go deliquent? If it was in 2002 or earlier, you can try disputing with the CRAs as "obsolete." The "date reported" has nothing to do with the 7-7.5 year reporting period. The SOL is different from the reporting period and would come into play if the CA filed a lawsuit on the debt (which they can do). Try disputing with the CRAs first.
  13. Was the school debt included in the BK?
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