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About Manaconda03

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  1. WOW you guys are quick! Thank you BTW So far they've sent me a letter stating I owe $4100.00, I sent them a Validation request letter, and received nothing more then monthly statements with the original creditor, along with a cover letter. The paperwork they sent me, only shows that my balance was like $3,000.00. The amount of the balance as of the last time I made a payment back in june of 2006, was $2,600.00. I sent them another Validation request, stating that I would like information regarding: • What the money you say I owe is for; • Explain and show me how you calculated what you say I owe; • Provide me with copies of any papers that show I agreed to pay what you say I owe; • Provide a verification or copy of any judgment if applicable; • Identify the original creditor; • Prove the Statute of Limitations has not expired on this account • Show me that you are licensed to collect in my state • Provide me with your license numbers and Registered Agent But after reading the FDCPA i noticed it only detailed they are required to give only the original creditor and amount owed or something like that. Now this information that I asked for, do they have to provide that, or no? I'm guessing no, however I think its beneficial that they provide that pertinent information. Am I wrong in assuming this? Also, one last question, if the collection agency decides to sue, and sends a summons to the Idaho address (which is parents house) and obviously being that I don't live there, do they have to revoke the summons or whatever and re-serve me down here, meaning that now instead of going to court in Idaho, I would be required to go to court in Arizona? Guess I found so much information online (which is a godsend with the amount of info out there) but can also be overwhelming because there's so many different posts. Anyways, thank you for any replies, I appreciate it.
  2. I'm curious which state the Statute of Limitations applies to. Reason I ask, is I opened an account in North Carolina, (Statute of limitations 3 years), I receive mail in Idaho (Statute of limitations 4 years) due to moving around alot due to being a Govt Contractor, and I currently reside in Arizona (Statute of Limitations 3 years) where I have been here for about a year now. I've read that a collection agency has the ability to choose which state they want to "Abide" by, regarding whichever state has the highest SOL, either the state you are a resident of, or the state where the account was opened. I need to know pretty much if they "Could" use Idaho because of the longer SOL. Also, the last payment I made was June of 2006, so does that mean the Statute of Limitations starts that first month that I didn't make a payment, being July of 2006? Any help would be great, Thank you.