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Found 8 results

  1. Back in 2003 I had a falling out with Verizon Wireless, and I basically told them to F*** off, and refused to pay them. Boy was I stupid. Anyways, they posted the debt to my Credit Reports, and then gave the debt to Midland Credit Management. Both of those accounts on all three of my credit bureaus had a status of "this account is scheduled to continue on record until Dec 2011", and a balance of "$362". The date opened for the Verizon account was "12/2003", and the date opened for the Midland account was "03/2008". Both of those accounts are deleted from all of my reports. Yay me! Not s
  2. 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
  3. I am soooo frustrated with this whole situation and desperately need help!!! I am trying to buy a house and they pulled my credit report and a collection came up that I never knew about. Yes, I did do business with this company, but I left on good terms with zero balances. The creditor is the Housing Authority in Colorado Springs. I had lost my job in 2005 and applied and received housing. I paid a discounted rent until I could finish college and find employment. In 2008 I accepted a job in Denver so I wrote them a letter saying thank you for helping me and I no longer need assistance because
  4. Im very curious on how to handle collections on this random account. Do i dispute it? Do I look into it? Does it even matter? Is it even mine? Could it be zombie debt? Here's the deal: While digging thru some old paperwork I came across a collections letter dated back in Sept 2013. Its a "deal" letter and says nothing but basically "here's what you owe us" and "pick your payment plan option.". The amount in collections is for about $1500 but I have NO IDEA what its from or what its for. Ive recently accessed all 3 of my credit reports and it is NOT listed anywhere. Not the creditor, the
  5. Alleged debt info: Crap1 cc DOLA either 2000 or 2001 OOS for both Texas and Louisiana and also time-barred for CRA reporting Initial communication: Mistakenly answer call from JDB. After finding out it was this particular (alleged) debt I told the rep that it was too old to place on credit report, that is was SOL, and that she called me on a cell phone and was not to call the number again. I also said since this was the initial communication that I would be expecting a dunning letter within 5 days and hung up. (Note- It's been years since dealing with these types as I've kept my nose c
  6. First off thanks for reading my post. Like many of us have experienced 2008 was a HORRIBLE year. Lost my decent paying job down to nothing for a while then making half of what I was before. Did what many people did and that was max out my credit cards, tried to keep up with the minimums for a little while then couldnt afford that. Went into collections and then I stuck my head in the sand, I pulled my head out once with debt consolidation for a few months in 2009 and couldn't afford that either. I have had my head in the sand ever since because none of the collection agencies were willing to a
  7. I have wated a while,but now the old debt from my past has dropped from my CR; however, the CA's continue to call. Some of this debt is more than 15 years old and has probably morphed into something that looks nothing like the original. How do I get these guys to stop calling?
  8. I have a CA attenpting to collect on a Zombie Debt, they are in CA and I am in TX. They are also not bonded and registered with our Secretary of State. They have refused to provide me with any kind of documentation, bills, verification of any kind. The last time I requested this was 10/17, on 11/23 i contacted them and informed them that I had not received any of the requested proof that I owe the debt, to which the young man said,"Well, we just barely got it yesterday, I'll send it today. I had been disputing this since September, each time it came back as verified and updated- there is no wa