Paying for past mistakes

Hi Mandineville. Welcome to the forum. It sounds like you have alot going on, so take a deep breath and try to relax. What type of debts do you owe? Also, please take advantage of the free consultation that is offered so that you can speak to someone who might be able to point you in the right direction. Just look to the right of the screen and click on "free consultation."

I owe for medical bills mostly but also some other things that I don't remember. All I have is the "balance due". Thank you, and I will call tomorrow.

The only information I have is: LAW OFFICE THOMAS W RE
I haven't been able to find it on the internet. If anyone knows how to contact them, please let me know. Thank you

If these debts are from when you were 16 (a minor to boot) and you are now 25, then those debts are likely way out of Statue of Limitations. You should send a debt validation letter to these people.

Absolutely, send a DV letter.
I would guess, however, by the information Mandineville gave: "The only information I have is: LAW OFFICE THOMAS W RE" , this is coming from a credit report. Is this correct?

Good point Goldenblast. I didn't even think about the age! Some of these debts must be at least 9 years old. Go here to check on your state's SOL, Mandineville:
http://www.fair-debt-collection.com/SOL-by-State.html

I have to wonder about the age for other reasons. Mandineville, were you emancipated or something? Even if you signed an agreement/contract in these debts, most states hold that a person under the age of 18 cannot enter into contracts (I'm sure there are some states that put in provisions for emancipation); therefore, a company that does enter into a contract with a minor is basically SOL (and I don't mean statute of limitations). When my daughter opened her bank account, the bank wouldn't let her unless I was also on the account...they needed an adult to hold liable for any overdrafts.

This is a good point Subi. I know in my state, a person cannot enter into a contract until they are at least 18. Some I think will let a person enter into an agreement at 17, but not many. And, yes...they would be SOL! :-)

mandineville, you've received some great advice up above!!!

Sounds like you are in debt, but not sure exactly how much in debt you are. If you are like many of us, you've been ignoring those collection letters. If you are truly ready to get out of debt and move on with your life, you'll need to stop ignoring those letters.

First, if you haven't already done so get your credit report from TransUnion, Experian, and Equifax. By law, you are allowed to receive 1 free credit report from each per year. You can get that from annualcreditreport.com.

Once you have your credit report, review it for inaccuratcies. You'll want to dispute those!

Second, you'll want to contact each company listed on your report by sending a debt validation (DV) letter, which is your legal right to do so. Seacrh this site for more info on what a DV letter is, and some free sample letters. Basically, an agency must inform you in writing how much you owe, what it is for, etc. They must also prove to you that the Statue of Limitations (SOL) is not up. SOL differs from each state, so you need to find out the SOL laws in your state. From what your original post states, sounds like you want to pay careful attention to SOL!

You'll also wantto send a DV letter to anyone who calls you looking to collect, or sends you a letter.

Stick to this site for guidance, everyone here is awesome!!!!

yes unemployedron you're right i went to freecrediteport.com and got some info about my debts but not all. And the site also only told me what I have in collections under Expiria, but there were two other companies that I'm not sure if I owe or not.

Thanks kellyannedooley, but I went to the site you gave and it's not a good site or something, is there any way you can paste a link into a response? I'd appreciate it.