kleep Posted December 7, 2007 Report Share Posted December 7, 2007 I live in KY (horrid state on SOL). In 2003, my roommate took me to the emergency room when I was about to pass out from an asthma attack. I had neither a job or insurance at the time. The bills came in, the debt mounted. When I finally got on my feet, I tried to pay, but the bills were sold down the line and I couldn't catch up. On my current CR, there are listings for some of these debts with CAs. Are they past the SOL? If so, what do I do? Link to comment Share on other sites More sharing options...
Moriah4 Posted December 7, 2007 Report Share Posted December 7, 2007 Hello and Welcome Yes you are correct Ky is awful. I have read that Sol according to UCC is 4 years however, in trying to find an answer for KY I spoke with an attorney who told me it could be as little as 2 as much as 10 according to who was arguing the case and about what. That was the best he could narrow it for me. So if anyone has a better answer I am all ears as well...BlessingsMoriahxdancex Link to comment Share on other sites More sharing options...
isislc Posted December 7, 2007 Report Share Posted December 7, 2007 Well, first thing, is the hospital they took you to your county hospital? I mean the type that gets a lot of government funding for low income families. If that's the case, then your medical bills will NOT have an SOL. You need to find that out right away. Also, according to this site and a few others I checked, KY has an SOL of 5 years. This doesn't matter anyways since SOL is only good as a defense if you are sued. You might want to check on the hospital to see if it is governmentally funded. Then to answer your other questions, you have 2 choices if they are out of SOL. You can either let them fall off after 7.5 years or try to make a settlement with the latest CA. As for the other CAs listed on your report, dispute them all as NOT YOURS, wait for them to return the results then dispute with the CAs. Basically 1-2 punch them and see what happens. If they truly sold your info, they most likely don't have it anymore so they will be deleted. Hope this helps. GL. Link to comment Share on other sites More sharing options...
kleep Posted December 7, 2007 Author Report Share Posted December 7, 2007 It was not a government backed hospital (in that aspect) and the bill was only $211. I've tried to pay it before, but everytime I contact a CA, they tell me they don't own it anymore. I've managed to get rid of all but one and I think they may have it (waiting for DV return). The reason I'm asking about SOL on it has to do with my PFD offer. How much is enough? $100? more/less? Link to comment Share on other sites More sharing options...
isislc Posted December 7, 2007 Report Share Posted December 7, 2007 It was not a government backed hospital (in that aspect) and the bill was only $211. I've tried to pay it before, but everytime I contact a CA, they tell me they don't own it anymore. I've managed to get rid of all but one and I think they may have it (waiting for DV return). The reason I'm asking about SOL on it has to do with my PFD offer. How much is enough? $100? more/less?I would say start at 50%, may get a better response for a PFD but then you also need to mention in your PFD that they also agree to not sell the difference to another CA. You don't want to have another CA down the line trying to collect $111 from you. Link to comment Share on other sites More sharing options...
Recommended Posts