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 Posted: Sat Feb 02, 2008 2:09 pm Subject: Do you DV an old acct not on credit report? |
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I have a couple of CA's on me about ancient debts. They are well past SOL (9-10 years old) and off my credit report as far as I know. Should I send a DV letter or would that just open the door for more trouble? It would be a bad idea to settle because then it would show back up on my CR, right? I want them off me.
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guest
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| Posted: Sat Feb 02, 2008 3:08 pm Subject: |
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I am confused...are they trying to collect on this debt? If not I think I would just let them go especially since the sol maybe up for your state. What state are you in?
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ladybug
Joined: 29 May 2007
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| Posted: Sat Feb 02, 2008 4:16 pm Subject: |
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As to possibly paying them.... I don't pay any CA one thin dime without proper validation. Ever. One thing that may not have occurred to you is that validation my provide proof of the age of these debts. Just a thought. You can, of course, do as you deem best in your circumstances. Given the age you cite, I'd likely just send them a politely worded 'get bent' letter.
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The four 'no's of dealing with collectors:
No validation?
No payment.
No way!
No kidding!!
 Economic Stimulus information from the Infernal Revenue Sadists
Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]
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unclewulf
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| Posted: Sat Feb 02, 2008 4:33 pm Subject: |
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'get bent' letter.
LMAO 
Your my kind of guy Unc
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mommontoya
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| Posted: Sat Feb 02, 2008 4:54 pm Subject: |
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Just helping where I can....
Besides, 'get bent' sounds so much more polite and professional than 'F.O.A.D.'. 
_________________
-
The four 'no's of dealing with collectors:
No validation?
No payment.
No way!
No kidding!!
Economic Stimulus information from the Infernal Revenue Sadists
Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]
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unclewulf
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| Posted: Sat Feb 02, 2008 6:32 pm Subject: |
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Being that they cannot sue or report the debt to the CRA's I'd just send they a Cease & Desist and hope they violate it.
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LoneGunman
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| Posted: Sun Feb 03, 2008 3:26 am Subject: |
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keep on keepin it real lone! good for you!!!!just teasin bout my big catch of the day! lol!
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socksfullofrocks
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JCEMT
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unclewulf
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JCEMT
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| Posted: Sun Feb 03, 2008 6:24 pm Subject: |
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But I'm hungry!
_________________
-
The four 'no's of dealing with collectors:
No validation?
No payment.
No way!
No kidding!!
Economic Stimulus information from the Infernal Revenue Sadists
Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]
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unclewulf
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| Posted: Mon Feb 04, 2008 3:25 pm Subject: |
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uncle, so would the "get bent" amount to the cease and desist letter?
Yes, they are trying to collect. Still. 
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guest
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| Posted: Mon Feb 04, 2008 3:57 pm Subject: Ugh! |
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If they are 9-10 years old, not on your credit report, the CA's aren't hounding you about them, and you don't possibly have the extra money to pay them off, I'd be worried about resetting the SOL and having them show back up on your CR. We know this "legally" shouldn't happen unless you paid toward them; however, you never know what type of shenanigans a CA might get up to if you requested validation.
Like UncleWulf though, I wouldn't pay them a penny unless they validated and I had some sort of agreement in writing. Period.
Ugh, fish! Allergic to shellfish and don't eat fresh or saltwater fish at all. Can't even stand going past the seafood section at the grocery store. I remember there was this restaurant in New Orleans that used to have a big pot of crawfish that seemed to be perpetually boiling in a corner window. You could smell it a block or two away. I'd always go several blocks around it because the smell made me nauseous.
Pretty strange for having been born and raised in Florida.
I actually think that's one of those "forced perspective" shots. The subject you want to appear larger, you move up closer to the camera.
Still, a clever picture.
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FloridaRon
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| Posted: Mon Feb 04, 2008 4:05 pm Subject: |
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| guest wrote: | | uncle, so would the "get bent" amount to the cease and desist letter? |
More of a 'f&#% off and die' thing, in sentiment anyway. Politely worded, that would be a total cease-and-desist letter.
_________________
-
The four 'no's of dealing with collectors:
No validation?
No payment.
No way!
No kidding!!
Economic Stimulus information from the Infernal Revenue Sadists
Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]
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unclewulf
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Joined: 27 Nov 2007
Posts: 2139
Debtcc Points: 17960
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