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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 MEADE & ASSOC (original collector) - For medical treatment $660 5-6 years since treatment. Report date Jun 10, 2014 RECOVERY ONE LLC (not sure if original collector) - For Music Store $654 approx. 8-9 years since contract. Report date Dec 09, 2014 I used to receive voice mails up until about 2-3 years ago about these debts but was paranoid and never called or verified any information with the collectors. Now I never hear from a collector. With what information I have provided can anyone offer advice on what order I should do this, and what steps make sense for each of these accounts? I assume that some are easier to work with than others. Thanks in advance for your helpful comments.
  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. 1. Who is the named plaintiff in the suit? Dawn 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) AR and Associates 3. How much are you being sued for? $6500-ish 4. Who is the original creditor? (if not the Plaintiff) Newman Marcus 5. How do you know you are being sued? (You were served, right?) Just phone call from this lady, Dawn 6. How were you served? (Mail, In person, Notice on door) Phone call 7. Was the service legal as required by your state? Not Sure 8. What was your correspondence (if any) with the people suing you before you think you were being sued? None 9. What state and county do you live in? Los Angeles, CA 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) More than 5 years ago, but I'll find out the exact date. 11. What is the SOL on the debt? I don't know 12. What is the status of your case? Suit served? Motions filed? They have won a default judjement against me 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 14. Did you request debt validation before the suit was filed? No, didn't know I was being sued 15. How long do you have to respond to the suit? Until monday 02/23/15 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. None, I haven't asked for anything yet. Please help, thank you in advance for your time David
  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 be sued on a debt. Because of the age of your debt. LVNV will not sue you for ti. If you do not pay the debt, LVNV may report or continue to report it to the credit reporting agencies as unpaid" Can they do that? Should I address this as well and how would i do so?
  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 know how to tell how old the account is (not the date it was opened but what date do I go by for the SOL? 2. Should I continue to make payment arrangements and payments? 3. Is it worth settling on? 4. Can I get it removed from credit if it was opened 7 years ago? 5. Can and will they sue me for this bill? Balance is now almost 4,000; original bil was for 1100 ish Love any tips, info or advice~
  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 $6,000 and haven't heard from the school since April of this year. My mom called me and said they sent a bill to their house so I called , explained what had happened 5 years ago to see if they would wipe the debt, but they won't and said that if I don't pay the bill it will be reported to a licensed collection agency. I'm not sure what to do at this point. I don't have $6,000 (I have about $100,000 in student loan debt that I'm currently paying off). If they report this debt to a collections agency- my questions are: 1. If I don't pay it, how long will it be on my credit report? 2. Do you think I have any reason to dispute this debt? I mean, I wasn't a student there anymore and it's not my problem that they're messaging system didn't work. I'm feeling so nervous right now so any advice would be appreciated. Thank you. Not sure if this matters, but I live in Massachusetts.