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  1. I've been sued by Unifund (attorney is Kenosian & Miele) for a credit card debt with the SOL set to expire in a couple of months. Have not been served but have been checking the Los Angeles County Superior Court web site. Another creditor from the same general time period sued, never served me, claimed they did, and we settled. After that experience, I began to go to the nearby branch court once a month or so to look up my name, and whenever I found a new lawsuit I would take a look at the file. Eventually another creditor tried to do the same thing. The clerk had laid the loose reque
  2. I would like to post regarding my situation. I would appreciate any advice that can be given. I have recently been told that I have a garnishment that will begin in about a month from now. I was taken aback because I have been attending to my credit reports for the past couple of years very closely. I have fair to good credit scores and I never saw anything pertaining to bad debt. I began searching for what the issue was. I went to the court house where this originated. In the whole process I have found: A credit card was charged off in 2006The "placement manager" for the credit card company
  3. It's been a while since I attempted to repair anyone's credit; I started with mine and then did some for friends and now I'm starting on my fiance's. After pulling all of his reports and reviewing them and asking questions, it dawned on me that starting the credit repair process might also invite a lawsuit from creditors and collection agencies. For instance, if you DV a creditor or a collection agency on an account that is still within the statue of limitations according to the laws of your state, might you invite them to sue you? I'm in GA where new case law has set CC debt and auto loans
  4. So I was just smacked in the face with information that National Collegiate Trust has gotten NCO FInancial to attempt to collect on a defaulted student loan from me. First of all, I don't even remember taking this loan. I was an irresponsible prick my first time in college and I drank way too much so my memory is not the best. However, they are telling me that I got a private loan from Charter One (I believe through the education resource institute) and the check was sent directly to me, which I cashed. Now, this was in 11/2004. However, I also have vague memories of my father attempting t
  5. So I was just smacked in the face with information that National Collegiate Trust has gotten NCO FInancial to attempt to collect on a defaulted student loan from me. First of all, I don't even remember taking this loan. I was an irresponsible prick my first time in college and I drank way too much so my memory is not the best. However, they are telling me that I got a private loan from Charter One (I believe through the education resource institute) and the check was sent directly to me, which I cashed. Now, this was in 11/2004. However, I also have vague memories of my father attempti
  6. I have an outsanding student loan in California from 1986 which ECMC is now threatening to sue me on.. I do know that student loan statute were removed by the congress a few years ago, does this apply retroactively in time ?
  7. Another Law Firm, Weltman, Weinberg & Reis is attempting to collect on a repossessed RV with the original creditor being US Bank. This is the 3rd attempt to collect on the debt, dating back to June, 2009. The debt has been charged off per my credit report. The type of contract was a "Retail Installment Sale Contract." I live in California and I believe the SOL is 4 years from the last payment, which was June, 2008. I have followed the Debt Validation strategy for the previous two attempts and the CA's ceased attempts to collect. For the current CA, I sent the initial DV letter and the
  8. Okay, I've been doing some reading on the Statute of Limitations for CC Debt and am a little confused about the length of time before the SOL runs for specific situations. Lets say a person lives in State A with a 5 year SOL on credit card debt. The person moves, during the same month of the default, from State A to State B, which has a 4 year Statute of Limitations. The person remains in State B until 4 years have elapsed. Are they afforded the affirmative defense protection that the shorter SOL offers them? What about the governing law of the CC Agreement and any referenced Choice of
  9. First, let me say thank you for all the helpful posts I've read here over the years. It's been almost two years since I've had to deal with any of this, but now find myself needing some advice again. Between 2-4 years back, I settled on nearly $75,000 in debt for just under $15,000. All but one OC worked with me. One debt, from GE Money Bank (which I'm not even sure was mine and may have belonged to my ex-wife, but was reported under my name) was my biggest problem. Funny thing is, it was one of my smallest debts, at under $5,000. GE Money Bank wouldn't work with me to settle and then se