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I'd like to know from the experts here on Creditcard agreements on how to interpret and what to expect from Crap1 (excerpt quoted below) since arbitration has been removed. I have a pair of their cards with approx $1700 on each, both of which were charged off Fall 2014. I successfully settled one for my wife (2.1k) for a quarter of the total, but this was back when I was relatively new to all of this. Since then I've amassed a wealth of information, documents, as well as a whole lot of knowledge, consider myself fairly well read thanks to this forum so I'm as prepared as well as one could expe
I'm attempting to clean up my debt rather than declare Bk, and I recently pulled my credit report and found an that a CA is reporting an old debt as current almost monthly. The date of my last payment was in 1/2010. The debt originated at a sporting goods store in Montana where I applied for a credit card. I was in Montana on a temporary work assignment, but lived in Arizona. I have since moved to North Carolina. The SOL in each state is as follows: Arizona (Where I lived at the time I got the card): 6 years (Changed in 2011), but was 3 when I entered into the contract (2009), as well as w