jlouki01 Posted November 19, 2005 Report Share Posted November 19, 2005 I have a collection for a satellite provider that is from 99. It recently hit my credit in Oct 05 because I moved and they just now caught up. As soon as I got the letter I paid it though. By then it had already hit my credit. So I challenged it being mine right but that came back verified. Can I ask for signature proof of a legal contract? J Link to comment Share on other sites More sharing options...
Anonymous Posted November 19, 2005 Report Share Posted November 19, 2005 Do an MOV with the CRA. If it's still verified then you're likely stuck. Link to comment Share on other sites More sharing options...
jlouki01 Posted November 19, 2005 Author Report Share Posted November 19, 2005 mov? Link to comment Share on other sites More sharing options...
Radio_Guy Posted November 19, 2005 Report Share Posted November 19, 2005 MOV is Method of verification.See the link at the top of the page for the details and procedure Link to comment Share on other sites More sharing options...
divemedic Posted November 19, 2005 Report Share Posted November 19, 2005 What does it list the delinquency date as? It should fall off soon. Until then, you are stuck with a paid charge off. Link to comment Share on other sites More sharing options...
Anisah_H Posted November 25, 2005 Report Share Posted November 25, 2005 I believe paying it can restart the SOL, and from what I've read on here, a paid charge-off is very hard to get rid of. Link to comment Share on other sites More sharing options...
ghacorp Posted November 25, 2005 Report Share Posted November 25, 2005 Being from 1999 or so, your paid chargeoff should drop off in a couple or years. Signed contracts are usually never required in order to prove a debt. Courts render judgments based on prepoderence of evidence and not on lack of signatures agreeing to the debt in the first place. Link to comment Share on other sites More sharing options...
nolo Posted November 26, 2005 Report Share Posted November 26, 2005 Being from 1999 or so, your paid chargeoff should drop off in a couple or years. Signed contracts are usually never required in order to prove a debt. Courts render judgments based on prepoderence of evidence and not on lack of signatures agreeing to the debt in the first place.Not entirely accurate. Courts rule on the evidence period. A formal, signed contractual agreement is strong evidence. The lack of such written agreement is weaker evidence. The preponderance of evidence comes in many forms and presentations. Debt collectors still win a lot more cases than they should, based on consumer ignorance of the law. Link to comment Share on other sites More sharing options...
Anisah_H Posted November 26, 2005 Report Share Posted November 26, 2005 ghacorp, doesn't paying restart the SOL? He paid it in 2005.Being from 1999 or so, your paid chargeoff should drop off in a couple or years. Signed contracts are usually never required in order to prove a debt. Courts render judgments based on prepoderence of evidence and not on lack of signatures agreeing to the debt in the first place. Link to comment Share on other sites More sharing options...
divemedic Posted November 26, 2005 Report Share Posted November 26, 2005 If it is paid, the SOL doesn't matter. It is paid. Why would they sue you for an acount that is paid?Also, there is no point in asking for a signed contract at this point. By paying it, you admitted it was yours. Link to comment Share on other sites More sharing options...
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