callen Posted January 6, 2005 Report Share Posted January 6, 2005 I live in Ga, At the beginning of Dec. I moved from one county to another. Last week when I got home, there was a notice on my door from the sheriffs department from the county that I moved from stating that he was trying to deliver civil papers and they could be picked up at the sheriffs ofc.Today, when I went to pick them up, I was told they had been returned to the court because I no longer live in their jurisdiction. They gave me the name/number of someone at the court house.I called court house and they said that it is from Colorado Capital Investments acting on behalf of Providian Credit Card. She stated they are wanting approx. $4,000 dollars which she said was debt plus interest.I had a friend pull a copy of my credit report. I see where I do have on my report Providian last activity 2/01 in amount of $2183 status charged off - transferred/sold It also provides the account numberIt also shows Colorado Capital Investments - Acct Number shows Providian but has a different account number. The address for them appears to be invalid and the phone number shows 111-111-1111. They are showing date of last activity as 10/2001 and date deliquent first reported as 5/2004 They show amount owed as $2790What do I need to do to prepare for them? I am sure they will go to the county and serve me at my new address? Could they already have a judgement against me without me being notified and gone to court to fight it? The SOL according to my credit report is coming up soon. Ga is 4 years from what I read so from 2/01 that would mean 2/05........right around the corner. Is their anything I can do to stall this?Help! I need advise quick.There is also Link to comment Share on other sites More sharing options...
Recovering Attorney Posted January 6, 2005 Report Share Posted January 6, 2005 they haven't served you yet, so they have no judgment. I would wait until March to do anything. But then, I'm not sure. The SOL is 4 yrs, but the items can stay on your CR for 7 years. The best you could do, thinkning out loud, is get the Providian charge off removed as it duplicates the CCap item. But why bring that up? Link to comment Share on other sites More sharing options...
callen Posted January 6, 2005 Author Report Share Posted January 6, 2005 I am afraid that I won't be able to wait until March. I am sure when the attorney gets the papers back from the old county telling that I moved from that county...............they will probably give my new address where they tried to serve me. So......I will probably get something from my new county soon.Should I try to contact them to dispute it so that it is delayed. The account number they have on the credit report is inaccurate and they have raised the $ amount from the original.Or...........do I just wait to see when I get served at the new address/county? Link to comment Share on other sites More sharing options...
Recovering Attorney Posted January 6, 2005 Report Share Posted January 6, 2005 Do what you feel most comfortable doing. My point is, if you remain mum and the SOL passes before they et the new sheriff to serve you, you have a valid defense to the action ( SOL). Your bet is they won't act in time. Otherwise, do you have a defense to teh lawuit? Link to comment Share on other sites More sharing options...
LadynRed Posted January 6, 2005 Report Share Posted January 6, 2005 DV the scumbags, it just might delay them long enough to let the SOL run out. In the meantime, you need to do some serious digging into your records and see if you can find out if that 2/01 date is correct for last payment - it could be earlier ! Link to comment Share on other sites More sharing options...
callen Posted January 7, 2005 Author Report Share Posted January 7, 2005 Hate to sound so ignorant............but what do you mean DV? Link to comment Share on other sites More sharing options...
KentWA Posted January 7, 2005 Report Share Posted January 7, 2005 DV = Debt Validationhttp://www.creditinfocenter.com/rebuild/debt_validation.shtml Link to comment Share on other sites More sharing options...
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