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PostPosted: Wed Aug 06, 2008 1:59 pm Subject: SOL

I have a debt that occured in 2002 in texas on my credit report (wells fargo). It was 6 years ago, I now live in alabama. What SOL do I fall under state wise? And can I dispute it on my credit report now since it was so long ago?
katierkincaid



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PostPosted: Thu Aug 07, 2008 6:12 am Subject:

Your SOL comes under the jurisdiction of Texas law which is 4 years from the date of last delinquency.
phoenix



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PostPosted: Thu Aug 07, 2008 7:04 am Subject:

Was 2002 when the account defaulted? FCRA reporting would start the day you missed your first payment and never brought the account current (DOFD). They can report for up to 7.5 years from that date. Dispute it as obsolete, you might get lucky.
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Texas Residents

All CA's are required to post a bond with the SOS
http://direct.sos.state.tx.us/debtcollectors/DCSearch.asp

When requesting Validation, reference the FDCPA as well as Chpter 392 of the TFC:
http://tlo2.tlc.state.tx.us/statutes/docs/FI/content/htm/fi.005.00.000 392.00.htm
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PostPosted: Thu Aug 07, 2008 12:33 pm Subject:

What is the SOL for delinquent accounts in California?
IALVARADO



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PostPosted: Thu Aug 07, 2008 8:32 pm Subject:

Statute of limitation for Written contracts, Promissory notes and open-ended accounts in California is 4 years.
SOL for oral agreements in California is 2 years.

To see the SOL chart for different states please go through the page http://www.debtconsolidationcare.com/statute-of-limitation.html

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PostPosted: Mon Aug 11, 2008 9:19 am Subject: DEBT FREE

HEY! Everyone, I was involved in the Ellis Crosby and had 13 payday loans, I used to post on here under Katie Remaley, I am happy to report, I got married and guess what? IM debt free Smile My score is up by 100 points. Ive paid off all my loans, and they took the wells fargo thing off my credit report. I would not have made it through this without you all! THANK YOU SO MUCH FOR YOU SUPPORT!!!!!!!! Smile
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