Re-collection of settle debt and SOL Medical debt
Date: Wed, 03/10/2010 - 15:00
Fast forward to 2010. This matter which I have long since forgotten about has come up. I am getting calls from multiple collection agencies trying to "re-collect" on the amount that was written off.
Since the last activity was in 2007, the statute "reset" to another 6 years - although not sure if medical fall into the 6 year or 3 year category? Could someone please confirm which statute applies to medical bills?
Second - is it legal for another collection agency to try to re-collect on a settled debt for the remaining amount of the original debt? If so, what are the statutes to support this as I can not find them? Or, do I just send them a letter stating I will not pay a settled debt. I don't think they can re-post this on my credit record since the original debt is 10 years old. However, my score is in the 800's and I really don't want to jeopardize that.
None of the new agencies (3 so far) have yet to send me any documentation. They do not have my name right when they call, and it is a work cell that I do not take personal calls on. So far, only one VM has been left for me. I live in CO.
Thanks.
It happens....simply send them a copy of the settled letter and
It happens....simply send them a copy of the settled letter and include an FOAD note in it.
Thanks - I am waiting to see if they send me anything, but have
Thanks - I am waiting to see if they send me anything, but have a letter already written with pertinent copies of my records. So much for "doing the right thing" even after the SOL expired, thus starting the countdown again!
Are you including a copy of your VISA statement as proof of paym
Are you including a copy of your VISA statement as proof of payment of that settlement? Please be certain to obscure the card number on the statement page before you mail it to them. Best way is to black it out with a marker, then photocopy the page. Send them the photocopy. Otherwise, they can simply hold it to the light and read your account number.