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I must be trying to mangle the SOL system idk... I entered into a credit card agreement in Missouri. In Missouri cc accounts are considered open-ended accounts with a SOL of 5 years. I then moved to Colorado where open-ended accounts have a 3 year SOL but credit card agreements are considered promissory notes with a SOL of 6 years. Since I entered into an open-ended agreement in Missouri, can I say it should be considered an open-ended agreement in Colorado and use the 3yr SOL.

I am answering to a summons and complaint. Where do I mention allegations for violations to the fdcpa? Are they an affirmative defense or a cross claim?

I have $40 000 debt for federal student loans which I consolidated last year. the interest rate is high 6.8 % for 30 years. I also have $50 000 debt of private student loans which i consolidated last year was 6.25% for 30 years. When I got the check from work, all my check is almost gone to the student loan. I am tired of it. Now, the interest rate of student loan is lower than last year. It's about 4.25% . Can I reconsolidate my consolidation 's student loan of last year.

I paid a colletion account with one collection agency. Now another collection agency is requesting payment for the same debt. What do I do next? I've alreasy sent them proof of payment.

I received an alias civil summons (delivered by county Police Officer) last night. LVNV Funding is suing me for an old Sears credit card. The suit was filed in October, but I no longer live at the original address they tried, so it was not delivered. In doing research, I've discovered they tried to file before the SOL, which is 5 years in Kentucky. My questions are: 1) Does the SOL start when they bought the debt or when I stopped paying Sears? I called Sears today and they said my last payment was in Sep 2003. My credit report shows LVNV took the debt over in Nov 2003.

I am new to this has anyone heard anything positive about this company. I am starting my draft this month Feb.

I was due with payment arrangements friday 1/30/2009. I could not make the payments. I am in Wisconsin. cash net usa borrowed 1500 paid 712 500 Fsat cash borrowed 400 paid 650 us fast cash borrowed 400 paid 120 ameriloan borrowed 350 paid 420 little loan shoppe I have not heard from them since I defaulted on1/15/2009 what should I do here

i lost my job & home last year and was paying my bill with Ameriquest. I called them in NOv to advise them of my circumstance and they told me that they could not work out a paymnt with still charging me late fees, and others, I am going to send them a letter anyways to work this plan out. If they accept a payment from me and still charge my fees is that legal or if they refuse to accept paymnt? Citi bank accepted lesser pymnt for 1 yr, no fees. why cant they?

i am sorry if i have asked, but still confused. What is a wage assignment and writ garnishment and how is it that some posts have claimed they have had their wages garnished but say they received no notice. I guess my question is: how do you protect yourself from this, if CA's can do this without notice. seems scary.

How does a credit card company charge my account three times because of a bounced check?