Statute of Limitations on debts

You could go by the date of charge-off and date of last payment on your credit report...I would not trust a collector at all on that..exspecially since they gave you different dates already. Another thing is they say it was opened in 2004, that could be the date they got the account too and are playing games.

If it was for Bally's fitness then the original amount was probably the higher amount and if you made any payments the amount would go down, you have to remember that some companies give up on reporting and your credit report never gets updated by the original creditor to show the correct information.....you could dispute the account on your credit reports if you want to...it might get deleted, updated or nothing, plus it could put up the green light for collectors everywhere that hold this account which is a pain in the butt.

I would have to say yes that it could fall under a written contract for a 5 year statute of limitations.

You sent a DV letter so that is good. Did you send it certified mail return receipt requested? If not then send another one that way, so you have a signature and proof they got it.

yes i sent it certified mail, but i realized that it was a p.o.box address and i do not think you can gain a signiture that way because i have not received anything electronically as of yet. The more questions i asked them the more transfers i received..i think it's funny that he kept throwing up how i may not be able to receive 184 again i may have to pay the full price. i have no intentions of paying it at all, since i did not do bally's during thier dates. in 01 i did sign up for a weight loss thing, but if you sent back the products and paid a fee or something you could cancel within 30 days and i did, but that is not what they are talking about. and he said the only way i could get the info is if i contacted bally's, but do not be surprised if they told me to contact them, because they sold them the account and no longer have anything to do with it.

Oh you can, I have seen plenty of debt collection letters go to a PO BOX, the company usually has a person go every day and sign for them.
You should check the tracking number on the USPS website to see the status of if it is sitting in their mail box or not. Go to the usps.com website and on the home page where it says, track and confirm, enter the tracking number.....If they have not signed for it yet, most likely they will not and it will get sent back.....If you do get it back, save it and send another one, this time print that this is your second attempt to contact them and send the same kind of debt validation you sent the first time.

If you get that one back and they do not sign for it, do nothing and wait. If they sue you, go right to an attorney who could most likely file a counter-suit against them......you will have 2 sealed envelopes, both with a dv letter they refused to sign for, you have proof you requested validation and when you show the judge you made 2 attempts, by looking at the letters and stuff, most likely you will win because they are using deceptive practices by not accepting a certified DV letter and filing suit, violating your rights to validate the debt.

i just received an email today telling me that they were signed for. it's funny that it was received on the 3-3-03 and i have been contacted since then. I thought i was not supposed to be contacted until they validated their debt or am i wrong. Maybe that is why the guy was so urgent to get me to pay the 184 debt settlement on Friday.

Once they get that DV letter they cannot call you anymore until they validate it and they cannot send any collection letters.....If they call answer only one time, If they try to collect, tell them you sent a DV letter and tell them the date they got it....if they play dumb and say they didn't get it, hang up....count that as 1 violation and any calls after that, document them, take pics of the caller ID, if they leave a message save it and record it......

Once the build up enough violations, go to NACA.net and get a consumer attorney and talk to them as you now may be able to file a lawsuit against them.....you can sue for up to $1,000 in damages plus actual damages, such as emotional distress, pain and suffering, harrasment....if you get them on that, that is where the big money comes in.....

Remember though....you do not sue for each violation, meaning it is not $1,000 per violation,,,,if they have 50 violations, it is up to $1,000 in damages and then you can put actual damages......the more violations you have in the lawsuit the better, it shows they do not comply and most likely can't use the bona fide error defense.....If they only called once and you sued them, most likely you would lose.

Yeah the woman played dumb,. but said it must not have been scanned into the system and put a note into the system saying i should not be notified...

My husband received a judgment, not from the original creditor. We hadn't gotten any bills for the purchase we made in over a year and a half for the purchase, until we got a collection notice. The bills were being sent to the wrong person (we found out later). When we tried to rectify the situation, the collecion agency refused any settlement or feasible payment arrangement that we could afford. Now there is a judgment, however, my husband's name is STILL incorrect on the judgment, wrong first name spelling and wrong middle initial. Is it valid?

Hi,

I received a court summoms from a collections company stating that I have a credit card that is deliquent. The account number that is associated on the summons does not correspond with the account number that is in my credit report. I can't find the number that they state as the deliquent account anywhere in my Equifax report. I did have an account with the company that they are representing but a totally different number. I was planning on writing a return letter regarding this but since the numbers are different, how should I handle this?

Thanks,

Nancy

How many times can a collection agency report on your credit account..they are on my report as asset acceptance..and now showing up as AAS..and the original creditors have their name on the report too..so three people for one account..what do i do..anyone know?

Clrencesanos money pay day loans leanders -texas

If it is the same company listing for the sam account 2 times, that is against the FCRA I believe....you will have to dispute the entries with whatever credit reports they are on.

This website may or may not be reliable. And, I've found spelling errors that are not that hard to correct, which leads me to think the author is not a professional.

Hello. I have a few questions. First question: Can someone tell me what the SOL is in Texas for such bills as phone, electric, cable, water, cell phone, etc. I review all of the above information and I cannot figure it out. Second question: Does the SOL get reset when a new collection agency assumes the account? Third question: Does the SOL get reset if you written reply requesting proof of the account? (I think this is called "DV".) Fourth question: Can someone explain in plain English what is meant by "the last activity date written on your credit report." What does this mean, exactly?

Hi there,
I have a judgement on my credit and I think it is past the ( sol) time. I don't have any
Records for this debt. I don't know where the debt occured from. My job is asking me about it
And I really dont think I'm even responsible for it.
What should I do!
Thanks tim