buddy Posted January 8, 2009 Report Share Posted January 8, 2009 what i believe is the third jdb has called for the last few days. i have not answered the phone, but there have been no messages on the recorder. they have not called today. any ideas as to why they would stop calling?the two previous jdb's never responded to my request for validation. how should i proceed at this point. i moved to a new state almost a year ago. i assume they have my address, as well as my phone number. what can they do without contacting me?thanks for all the help we all receive here. Link to comment Share on other sites More sharing options...
nascar Posted January 8, 2009 Report Share Posted January 8, 2009 i have not answered the phone, but there have been no messages on the recorder.For all you know, someone is trying to give you a million dollars. you'll never know until you answer the phone. Link to comment Share on other sites More sharing options...
OMGWhatHaveIdone Posted January 8, 2009 Report Share Posted January 8, 2009 Hell if that's the case... they can call ME!! I'll gladly take a cool mil or two Link to comment Share on other sites More sharing options...
buddy Posted January 9, 2009 Author Report Share Posted January 9, 2009 i don't think arrow financial is trying to give me a million dollars. when i checked the number online, that is who the number belongs to.i dont answer "private caller" and usually check out the out of state numbers i don't recognize.wish it were the million, however.now, does anyone have a comment regarding the issue i posted? Link to comment Share on other sites More sharing options...
OMGWhatHaveIdone Posted January 9, 2009 Report Share Posted January 9, 2009 what i believe is the third jdb has called for the last few days. i have not answered the phone, but there have been no messages on the recorder. they have not called today. any ideas as to why they would stop calling?the two previous jdb's never responded to my request for validation. how should i proceed at this point. i moved to a new state almost a year ago. i assume they have my address, as well as my phone number. what can they do without contacting me?thanks for all the help we all receive here.To answer your question... I don't have any clue as to why they would stop calling. If I worked there, perhaps I would know. As to part two of your post... Find out what the SOL is in the state you are currently in. If it's a debt that you incurred, but the SOL for your new state is up, send them a FOAD letter. If you clearly don't know what it's about, then by all means, answer the phone. By law they have to send you a dunning letter once you make phone contact with them. That's the best thing that can happen here. So you get the letter and then do a DV. I'm sure someone else can back me up on this, but once they speak with you on the phone, they have five days to send you a dunning letter. As soon as you get it, do NOT hesitate to DV them right back. Once it's in the DV process, since it's within the first 30 days that they contacted you, they must cease all collection efforts during this time period. This includes reporting to the CRA's if I'm correct. While you've DV'd you also need to dispute the TL with the CRA's that it's listed on. If it comes back as verified by the CRA's before you have proof of the DV, I believe that is a violation. I'm learning so much here.. I feel confident that I gave you some of the right answers. Someone more "seasoned" here may want to either clarify what I've written or add to it. I have done much reading in these forums and because there is such a wealth of knowledge here, I'm quite sure that a little time and patience on your part will get you the answers you need. Good luck! Link to comment Share on other sites More sharing options...
scorch Posted January 9, 2009 Report Share Posted January 9, 2009 Find out what the SOL is in the state you are currently in. If it's a debt that you incurred, but the SOL for your new state is up, send them a FOAD letter. If you clearly don't know what it's about, then by all means, answer the phone. By law they have to send you a dunning letter once you make phone contact with them. That's the best thing that can happen here. So you get the letter and then do a DV. Actually, I believe the sol originates from the state associated with the address of the debtor when the contract was opened.what i believe is the third jdb has called for the last few days. i have not answered the phone, but there have been no messages on the recorder. they have not called today. any ideas as to why they would stop calling?If you were in their shoes, why would you stop calling?I successfully dodged the collection agencies for about 4 or 5 years. After checking my credit report for the first time in years, I saw that arrow financial did a soft pull on my credit report for some reason....If they get in contact with you, I believe you can DV within 30 days so you can 1-2 punch them. When I did a 1-2 punch on a jdb, I ended up not having to pay them ****. Link to comment Share on other sites More sharing options...
OMGWhatHaveIdone Posted January 9, 2009 Report Share Posted January 9, 2009 Read this thread: http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=283821Hopefully there is some useful advice in it regarding SOL and moving from one state to another. Link to comment Share on other sites More sharing options...
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