kaos49854 Posted March 8, 2007 Report Share Posted March 8, 2007 When my husband and I divorced in 1997, our divorce decree included a division of our joint credit card accounts. He paid off his share and I whittled mine down as finances allowed. One remains, which has switched hands several times and now is in the hands of a law firm out of Georgia. When they contacted my ex and his wife, they were in the process of obtaining a loan for an addition to their home and his new wife was pregnant and very stressed about their threats to interfere with their loan.So I called the firm and set up an automatic withdrawal payment of an amount that was the least the firm said they could accept- $200 a month during the non winter months and $100 a month during the winter. After payments totalling $1119, I attempted to contact them to skip a payment due to my losing my job and not having the funds. When there was no return call, i placed a top payment with my bank. When I heard from them again, I told them I could not afford this payment.On February 2, 2007, they sent a letter requiring signature addressed to my exhusband at my address giving me/us 10 days to respond before legal filing. I called them on 2/12 to offer $20/month, stating that I am self-employed, making less than $300 a month, not including child support, am in college full-time and that my three children and I are in HUD subsidized housing. The lady was extremely unpleasant and said they were only authorized to accept a half-down payment at this stage and said they would pursue my exhusband- that our divorce decree held no protection against his liability.I have printed out a verification letter, which is far past their first contact with me. I am wondering if anyone has any Michigan information relevant to this debt or issues I should be aware of prior to mailing the letter. The SOL was obviously over, but I believe i reset it when i offered payment last year.Please Help!!! Link to comment Share on other sites More sharing options...
kevin3344 Posted March 9, 2007 Report Share Posted March 9, 2007 (edited) Is this showing up on your credit reports? How much was the total debt for?________Live Sex Webshows Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
kaos49854 Posted March 9, 2007 Author Report Share Posted March 9, 2007 Thanks for asking. Somehow they claim it was $4000+, which i have to $3200, but we NEVER had a credit limit over $1000 that i remember. That is another reason i would LOVE to see their response to a validation letter.I wish I'd met this group prior to buckling under the pressure to remove my ex and his family from this mix! Link to comment Share on other sites More sharing options...
kevin3344 Posted March 9, 2007 Report Share Posted March 9, 2007 (edited) DV them. Is this showing up on your credit reports?________nice tits Webcam Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
divemedic Posted March 9, 2007 Report Share Posted March 9, 2007 They do not have to provide DV since you are beyond the 30 days, and as far as the divorce decree not meaning anything, they are correct. What you CAN do is request an accounting of what has been paid and charged to date. If they refuse to provide it, you can always call their bluff and let them sue you. They would then be required to provide that proof in discovery.This should not be on anyone's reports due to the age of the account. Link to comment Share on other sites More sharing options...
kaos49854 Posted March 9, 2007 Author Report Share Posted March 9, 2007 I pulled my 2004 copy of my credit report and crossed ref'd it with one i got this month, and am confused. The law firm cites the original debtor as Associates with an account number that looks like a credit card number, but it doesnt match any accounts on either report. The only one it could be was a $1761 debt to Providian, opened in '01. Im assuming Associates sold it to Providian in 01, but that doesnt match either. Ive signed the letter (the one from this website for validation). Do i need to have either the letter or the mailing certified?Ive had a mssge on here from a debt lawyer to contact a lawyer here in my state.Thanks!! Link to comment Share on other sites More sharing options...
divemedic Posted March 9, 2007 Report Share Posted March 9, 2007 Don't use a form letter- write one yourself. The CA's are on to the form letters. Link to comment Share on other sites More sharing options...
Tazjeepcj7 Posted March 9, 2007 Report Share Posted March 9, 2007 I would think your ex-husband would be able to claim SOL against this debt. I'm not sure that when you re-set the SOL for yourself you re-set his unless he signed or otherwise acknowledged the debt... Link to comment Share on other sites More sharing options...
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