P124ncess17 Posted August 21, 2015 Report Posted August 21, 2015 Hello all! In need of help or suggestions. So I have a few bad debt from 5 years ago. I was taken to court 2 years ago for one by Midland and won the case. I am in the process of buying a house and two accounts in particular have come up. They mentioned all they needed to know was that there is a 0 balance owed to bank and account has been charged off. Well they received that information but because the bank also mentioned it was sold to collections agency now they want to talk to them to verify. We conferenced the collection agency in and they would not talk to me stating that there is a record showing I have an attorney representing me. Which I do not for these two accounts in question. Do they link all accounts together and maybe have a red flag under my name due to the other account we went to court for? They said the only way to speak to me is if I sent them a release lifting that order of an attorney representing me. I don't know if this will mess me up in the future since it is pass the SOL I don't want to open anything up with a written document. Also without that verification of the account the lenders cannot proceed. Can I have some inputs or suggestions? This is in the state of CA. Quote
Clydesmom Posted August 22, 2015 Report Posted August 22, 2015 Do they link all accounts together and maybe have a red flag under my name due to the other account we went to court for? Yes. Once you hired a lawyer they applied it to all accounts they have for you. They said the only way to speak to me is if I sent them a release lifting that order of an attorney representing me. I don't know if this will mess me up in the future since it is pass the SOL I don't want to open anything up with a written document. Also without that verification of the account the lenders cannot proceed. Can I have some inputs or suggestions? This is in the state of CA. You will not reset the SOL for anything by giving them permission to speak to you about any ALLEGED accounts they are collecting for. Quote
P124ncess17 Posted August 22, 2015 Author Report Posted August 22, 2015 I actually represented myself in court. So that makes sense as to why they have it listed. Also will it mess me up in any way to lift the "attorney representation"? The only reason why I'm trying to contact them is to give them permission to verify accounts with my lender. Quote
Clydesmom Posted August 22, 2015 Report Posted August 22, 2015 I actually represented myself in court. So that makes sense as to why they have it listed. Also will it mess me up in any way to lift the "attorney representation"? The only reason why I'm trying to contact them is to give them permission to verify accounts with my lender. It shouldn't mess up anything. All you need to say in the letter is you give them permission to speak with you and your lender to verify accounts they allege are associated with you. Quote
P124ncess17 Posted August 22, 2015 Author Report Posted August 22, 2015 It shouldn't mess up anything. All you need to say in the letter is you give them permission to speak with you and your lender to verify accounts they allege are associated with you.Ok thank you! Makes me feel a little more comfortable. Have you been through this process? Quote
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