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Found 7 results

  1. I am in a position now where I can comfortably work on my credit repair and have been for almost a year. The last items on my list are the 3 collections on my CR. I can manage full payment of 2 accounts now, but would like to approach this in the most efficient manner if I can reduce the payment and MOST importantly remove them from my credit reports but I am unsure if I should be contacting all 3 agencies now or focus my efforts on 1 at a time. DIVERSIFIED CONSULTNTS (not original collector) - For Sprint cell contract $687 9-10 years since contract. Report date Dec 17, 2018
  2. Due to financial difficulties I could not pay my bill on a credit card. The account went into collection in 2003. Just recently I started receiving calls from debt collector regarding that old account and now they have sent me a collection notice saying that I have to pay and respond with 30 days. The statute of limitation (Texas) is 5 years and it ended in 2009. Should I write to them and tell them that you cannot collect this debt since its more than 10 years old? Can the debt collector report this to my credit reports? Need advice. Thanks
  3. I just received a call from a women name Dawn (818) 534-3124 about a debt that is 6 years old and she tells me they have already won a default judjement against me last year and they will start to take money from my paycheck every month plus interest if I don't agree with the settlement that they are providing. I am suppose to get back to her by tomorrow with my decision. I have never received a summon or being served to show up in a court and she is threatening that she will call my workplace and has the authority to have my workplace give them 25% of my paycheck untill the debt is over.
  4. I received a collection letter from a company called Convergent, who was apparently hired by LVNV to try to collect on an old debt. I previously went to court over this account and (thanks to these forums and some great people) the attorney non-suited. The last date of payment was in late 2008 and we wrapped up in court in 2012. If it helps, I'm in TX and the SOL (statute of limitations) is 4 years. So, I guess my question is really do I simply send a cease and desist? or a DV (debt validation)? As an added point of interest the letter also clearly states "The law limits how you can b
  5. I have an old debt - 6-7 years old, I never paid on it that I can recall. Daniel N. Gordon, P.C. office is now contacting me about this debt. Started with Care credit (medical bill) then to Midland Then GE Money, now Daniel N. Gordon, P.C. . Before I started reading all about debt and how best to manage and educate myself, I made a payment to them on this old debt, starting to wonder if that was a bad idea. Now I am not sure how to handle it as I made payment arrangements. The debt is 3 times what it was when i first obtained it and I have read this office like to sue a lot. 1. I do not kn
  6. First thanks for reading this! Back Story: I recently, the last couple of years have been attempting to clean up my credit report, paid of most as I don't have all that many trade lines on my account. I more recently came across a article post which you can view here, that basically states that because every state has different SOL's which a collection agency can go after debt for, if that time has expired the CRA's are supposed to remove these items off of your report. Question: Is this information true? How would I go about removing the collections off my report?
  7. In 2007, I went to law school for a year. After 1 year, I decided to withdraw. During the summer of 2008, I got a job, sent a note to the school through some kind of online messaging system and never went back. In September of 2008, I received a tuition bill and called the school upon receiving it. I was told that they never got my message and that I should now send an email so they could have my intent to withdraw on file. So, I sent the the email and was told over the phone that I owed 60% of the tuition since it was now the third week of class. I never paid the bill since I didn't have $6,