ThePeacock Posted April 8, 2005 Report Share Posted April 8, 2005 In March/April of 2000 is when I started becoming 90-120 deliquent on my CCs. This would be considered date of last activity right?This is also when the SOL starts right? Date of last activity determines date report falls off credit correct?SOL determines how long a CA can collect against a debt, is this true.I have more to add, but please confirm/deny or explain. Then I can continue. Thanks Link to comment Share on other sites More sharing options...
HeartRN Posted April 8, 2005 Report Share Posted April 8, 2005 DOLA is when you last made a payment. The SOL is the time a CA has to legally collect. Yes to everything else. Link to comment Share on other sites More sharing options...
ThePeacock Posted April 8, 2005 Author Report Share Posted April 8, 2005 Well does BK7 determine when the creditors included in the BK7 fall off. Say they were in collections or charged off before I filed the BK7. Do any of those dates change? Link to comment Share on other sites More sharing options...
momof5 Posted April 8, 2005 Report Share Posted April 8, 2005 no Link to comment Share on other sites More sharing options...
ThePeacock Posted April 8, 2005 Author Report Share Posted April 8, 2005 Okay well the last payment I made was at the latest January of 2000 on any of my old creditors. So in reality since I never contacted anyone, even the CA regarding any kind of payment and they never found me, the SOL should have started 2/2000, is this correct?Second question. Debt was all acquired in California. I moved to Indiana in 11/2000 and then finally to Texas in 8/2002. What's state's SOL laws apply? Link to comment Share on other sites More sharing options...
score booster Posted April 8, 2005 Report Share Posted April 8, 2005 All items included in the bk 7 remain 7yrs. from filing date; it doesn't matter if it was due to fall off a month after filing. Your current state's statutes apply (unless you were dodging). Link to comment Share on other sites More sharing options...
ThePeacock Posted April 8, 2005 Author Report Share Posted April 8, 2005 No wasn't dodging, just how things worked out. I dunno then. If this is the case why would all the derogs on my CR show to fall of n later than 6/2007. I've got things from chase and Crap 1, Sears that are due to fall of in 2006 & 2007 according to Transunion. Could it be that is because They were marked IIB after the fact? Link to comment Share on other sites More sharing options...
sdc2027 Posted April 9, 2005 Report Share Posted April 9, 2005 If you have TL that were in BK, I would dispute them as well. I had a BK discharge in 98 and got the final TL that was included in that off this last CHOD timeframe. Link to comment Share on other sites More sharing options...
ThePeacock Posted April 20, 2005 Author Report Share Posted April 20, 2005 Doc, anyone, please advise the final word on this. Does the bankruptcy re-age the TLs that are IIB, or will these accounts have their original fall of date provided the OC or CA doesn't re-age them?Thanks. Link to comment Share on other sites More sharing options...
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