Need some help on this????

here is what else is on my report
COMPLETE CREDIT SOLUTION


2921 BROWN TRL # 1
BEDFORD , TX 76021-4144
(800) 609-1144


Balance:
$424

Date Updated:
06/2010

Original Balance:
$314

Original Creditor:
PLAINS COMMERCE BANK

Past Due:
>$424<


Pay Status:
>Collection Account<

Account Type:
Open Account

Responsibility:
Individual Account




Remark:
>Placed for collection<


Date placed for collection: [ 12/2008]

Estimated date that this item will be removed: 05/2015

Im curious what amount should I pay and what should I do or where do I begin on this matter also does SOL play into roll on any of these on my report I have 6 things on my report like this and want to know what tooo do also does SOL apply for me in which state reason I say this Im in the MILITARY and just moved to VA... but my home of record is TEXAS that is what I claim for TAXES so what SOL would apply and these accounts our nothing over 1,000 but because of a wife that went crazy and open up things in my name and well I do not want to press charges I have to try to get this cleaned up any help would be wonderful on this matter thank you

FIRST NATIONAL CREDIT CA


500 E 60TH ST N
SIOUX FALLS , SD 57104-0478
(888) 883-9824


Balance:
$0

Date Updated:
03/2008

High Balance:
$518

Collateral:
SLDTO MIDLAND FUNDING 8883033005

Credit Limit:
$300

Past Due:
$0


Pay Status:
>Charged Off as Bad Debt<

Account Type:
Revolving Account

Responsibility:
Individual Account

Date Opened:
12/2005

Date Closed:
06/2006

Date Paid:
01/2006


Loan Type: Credit Card

Remark:
>Profit and loss writeoff<


Estimated date that this item will be removed: 12/2012

FIRST PREMIER BANK


3820 N LOUISE AVE
SIOUX FALLS , SD 57107-0145
(800) 987-5521


Balance:
$0

Date Updated:
06/2009

High Balance:
$406

Collateral:
SLDTO ARROW FINANCIAL SERVICES

Credit Limit:
$250

Past Due:
$0


Pay Status:
>Charged Off as Bad Debt<

Account Type:
Revolving Account

Responsibility:
Individual Account

Date Opened:
09/2006

Date Closed:
12/2006


Loan Type: Credit Card

Remark:
>Profit and loss writeoff<


Estimated date that this item will be removed: 10/2013

SALUTE


POB 105555
ATLANTA , GA 30348-5555
Phone number not available


Balance:
$666

Date Updated:
04/2009

High Balance:
$675

Credit Limit:
$300

Past Due:
>$666<


Pay Status:
>Charged Off as Bad Debt<

Account Type:
Revolving Account

Responsibility:
Individual Account

Date Opened:
07/2008

Date Closed:
09/2008


Loan Type: Credit Card

Remark:
Account closed by credit grantor


Estimated date that this item will be removed: 08/2015

You must send a Debt Validation letter to each collection agency listed. Search this site for the templates and format it to your situation. They must show ownership of the account, original signed by you credit card app, payment history and bill of sale from OC to them. Read this site on what debt validation is so you know what they HAVE to by federal law supply to you-if they tell you they dont have to, know that they are lying to you, its a federal law that you have on your side that they MUST validate according to the FCDPA. Have you ever been contacted by any of the collectors? Send the DV letter, if they do not properly validate they must remove from your credit report. Start there before anything else, no matter what NEVER give them any banking info without it being validated and everything MUST be in writing before you pay anything!

Thanks for the heads up on this Ive been searching High and Low on these boards seriously got a headache but its worth it...I have not been contacted at all by any of these collectors...I think alot of that has to do with me always moving since Im in the military I will look for the DV letter and go from there so I would send a DV letter to all the companies and then wait????? Is that correct and how long do I wait Im so lost on all of this

Send it to each account listed on your report. There is no set time for them to respond to your validation request, unless you live in Texas-then they have 30 days, also at the same time file a dispute with the credit bureaus as not yours. Give it at least a month or two and check your reports and recheck your credit reports and see what they are reporting then. You may hear back from them or you may never hear back and they disappear off your reports. Just keep checking your reports and make sure when and if you get validation from any collector it has what is required by law, take nothing less and dont let them tell you anything different. Search this site and ftc.gov for what they are required to prove in validating a collection account. Stay calm and do not let them bully you. Also, in your DV letter include a point that all correspondence is in writing only, that way you have a paper trail, send it by CMRRR-certified-return receipt. Keep a paper trail.

Ok thanks for this information very helpful but I have a question to ask you???? You said only if I live in TEXAS they have 30 days to respond well Im a TEXAS resedent but since I got transfer to VA Im living in VA temporary this is not my permanty home of record and I have a address to use in TEXAS so what should I do on this??????? Im in the military so Im lost on what I should do on this whole matter thank you starting the letters that I got from this website

Honestly, being military thats a good question. I know if you live in Texas they have to respond within 30 days, that should still be the rule as that is your permanent place of residence. I would send the DV's to them and list your address as your Texas addy, that way they know right off the bat you are a Texas resident. Texas has the toughest laws in the country for debt collectors. I would send the Dvs using the Texas address, if you havent heard back within 30 days check your credit reports and make sure they are removed. Or if you want pm a couple of the moderators here-paulmergel, skydivr, soaplady, these people are great and really seem to know what they are doing. They have taught me so much about the laws for this stuff. But, i would send it using the Texas addy and then wait to see if you ever hear back, quite possibly never will. I will watch this thread to see if you write back, my name is Lisa by the way

also, Texas SOL is 4 years from the date of last payment, if last payment was more than 4 years ago, then you cant be sued for it in Texas. That is your legal address thats where the SOL is in force

Ok thanks for the help Lisa very nice of you my name is Carlos by the way... Ok so basicly if I got this right and waiting for someone wether it be you or a other member from this forum to chim in and tell me if Im doing this correct

So I went on the boards here and found the sample debit validation letters Im actually going to use one of those and then I basicly wait...I have 6 collections on my report is that correct on how Im doing this I changed the wording a little in the debt validation letters since Im not a good writer at all and inregardes to the last payment well no payments where made on any of these so what year do I go by the date the account was open or the date the account went into collection????? Im a lost for words on alot of this any help is wonderful if you could give me step by steps on what to do since I actually work better in given directions sorry but after getting hit by a IED my life has changed and Im slow at things

I also was told since Im not physical living in TEXAS thou TEXAS is listed as my home of record I can not use the address I had anymore since new people moved in thou I had a POST OFFICE BOX that mail got sent tooo I can still use that I was told and it will still be FORWARD for a YEAR from the time I put in a CHANGE of address so Im curious what should I do on this NOW????? Since I spoke to my Military Command on this of course I did not go into detail on why I inquiry and they said no good question that i ask so basicly TEXAS is listed as my HOME of record and will stay that way since I do not get TAXES taken out and basicly the only address I have in TEXAS right now is a POST OFFICE BOX for about 7 more months and then I can not use that anymore so Im curious what to do in this suitation??????? Or I could easily use my sisters address who in TEXAS????? Thank you Ill wait for a reply since I do not know what address to use and my sister would not collection people after here??????