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qbert last won the day on November 29 2013

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  1. they were kinda ignorant, just said, "We sent it off to collections, like we always do" none of the bills from the provider, even the late ones, had any fees or interest
  2. ok i guess a formal letter w/CMRR is in order? or should i just drop it and let them respond
  3. They said there is no payment agreement and no financial guarantee Shall i prompt the collection agency for a copy of the contract that authorizes them to collect interest? anybody have a template?
  4. i called the billing office at the doctor and they said they do not charge interest, they did not provide me the agreement however
  5. hi guys, its been awhile,thanks for all the help in the past I've been keeping my stuff reasonably straight, i had some medical bills that got late and went to collections. i paid the principal balance but refused the additional fees they tacked on "fees and interest" which to my understanding there is no basis for such per the original payment agreements with the medical providers is there a standard form to request them to present the original contract that authorizes them to collect fees on overdue accts?
  6. yes ive been working hard last few years, and have restored my credit and paid down a lot on my student loans and mortgage. Insolvency would be a real stretch, could i still claim all the CC debt that "went away" that hasnt already been settled via 1099C or dismissed w/prejudice. i doubt it gets me there but worth a look. Its all out of SOL/credit reporting period but i suppose until a 1099 is issued the debt still exists
  7. i have a discover acct, last pay was in march of 2010 no contact from creditor since last collection letter in january 2014 they 1099C'd for effective date 12/31/17, event code G ("Decision or policy to discontinue collection." per IRS) from creditcards.com: Q: Why am I getting a 1099-C for old debt? Unfortunately, creditors have a lot of wiggle room about when to report canceled income to the IRS. Statutes of limitations vary by state and by type of debt, but creditors are not required to file a 1099-C at that time since they can continue to try to collect on a debt in
  8. wow calawyer, just checked in after a long time great tip - you never stop giving, do ya?
  9. happy to say midland and asset acceptance have fallen off my credit report just after 7 years since last payment inching toward 700 credit score
  10. again huge thanks to everyone here who is helpful really helped get my life back on track in so many ways
  11. you may need to be persistent when trying to get your costs back. our small-time rural court had never heard of such a thing ina debt collection case, i gave up on it (yeah i know thats weak, but after battling all these cases, time is money and i was over fighting for the $300
  12. yeah its bs arbitrary "account opened" dates in the 2012 range
  13. hey everybody, been awhile, been living life and keeping my nose clean. glad to see the same old friendly faces still helping people this month marks 6 years and 10 mos since we went nuclear...im wondering if Midland typically drops off like they should at 7-7.5 years after first delinquency. all of the "Accounts" they have listed on my reports are dated 12-24 months later
  14. all in all i cant say the credit situation was a blessing but the resulting knowledge of civil procedure and exercising my rights was priceless RIP ziggy
  15. ive been out of the loop for awhile and wanted to update and thank everybody who helped me thru a real tough year or two. I'm happy to report that all of the defaulted debts are well past SOL, and that my credit score has been slowly climbing and has gone from 550 to almost 640 in just a year. My wife and i both recently got our first unsecured credit cards since the defaults. Were about 20 months away from the 7.5 year date since the last payment on the defaulted cards, at which negative credit reporting will cease. Was able to settle our underwater second mortgage for less than full amount