Crew Chief Posted March 21, 2005 Report Share Posted March 21, 2005 I joined the military back in March of 2001 (I know, what a time to join right). I thought that I had everything good when I left but apparently I didn't pay my old cable bill. The OC assigned the debt to Equidata. I never received a letter or anything from any of them but I was deployed outside the U.S. from September 2001 - February 2003; I think I had five addressess back then because of all the reassignments. I wrote up a letter to the CEO of Cox Enterprises asking them to accept payment from me for the full amount and have Equidata delete the trade-line. Am I stupid for doing this? I don't see why it wouldn't work, if the OC gets their money, then Equidata has to delete right? Help please. Link to comment Share on other sites More sharing options...
DocDon Posted March 21, 2005 Report Share Posted March 21, 2005 Check out the Soldiers' and Sailors' Civil Relief Act. I believe that might cover this issue you're having. Link to comment Share on other sites More sharing options...
Crew Chief Posted March 21, 2005 Author Report Share Posted March 21, 2005 The SSCRA only applies to certain issues, even with the changes President Bush made recently. Unfortunately, this is not one of those issues. What I'm asking then is - if I pay the OC will the CA trade-line be removed since it has only been assigned the debt? Link to comment Share on other sites More sharing options...
DocDon Posted March 21, 2005 Report Share Posted March 21, 2005 There should be no reason, if you explain the situation, why the OC would not accept the money and recall / delete the collection entry.The only time they could refuse is when they sell the debt outright to a CA.As long as the OC uses third-party CA's, the OC still dictates what happens to the account, including any settlement agreements.Hope that helps.Keep us informed! Link to comment Share on other sites More sharing options...
Crew Chief Posted March 21, 2005 Author Report Share Posted March 21, 2005 Cool, you are the man. Another quick question...everyone has pictures next to their names. Like you have a guy driving on the course...is that really you or do people just arbitrarily post some picture. Just curious. Thanks. Link to comment Share on other sites More sharing options...
DocDon Posted March 21, 2005 Report Share Posted March 21, 2005 That's me driving the ball 300+ yards. Kidding. I drove to the ladies' tee. You can post any pic you want. Just have to size the pic, upload it to a site like your personal home page, or Photobucket and paste the URL into the avatar section of your profile... Link to comment Share on other sites More sharing options...
Crew Chief Posted March 21, 2005 Author Report Share Posted March 21, 2005 Cool, one more question then I'll leave you alone. A lot of the collection accounts I have are stupid: bounced check ($134), dentist bill ($101), moved with rented videos ($163)...etc. What I'm getting at is that there were no contractual agreements made. So what would the SOL for these items appear as? Open ended accounts? Thanks again. Link to comment Share on other sites More sharing options...
DocDon Posted March 21, 2005 Report Share Posted March 21, 2005 No problem. 1)NSF checks are covered under FDIC:http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=232772)You may have signed an agreement to pay with the dentist's office without knowing it (ie: "the fine print"). It then becomes a written promise to pay.3)Same goes for the video rental place. You may have agreed to their membership terms..."Open ended" accounts are revolving credit cards - meaning there is no 'set' loan amount over a pre-calculated repayment period like there would be in an auto loan. Link to comment Share on other sites More sharing options...
Crew Chief Posted March 22, 2005 Author Report Share Posted March 22, 2005 You ROCK! Thanks man. Link to comment Share on other sites More sharing options...
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