Hi everyone! Last week I received a rude msg from some with Hecker Law Firm. After doing some research on this site and looking at a recent credit report, I'm sure they're representing UNIFUND which "took over" a CHASE charge off account in May of 2008. My last payment to CHASE was in February, 2006. I know the SOL for North Carolina is 3 years. The charge off amount from CHASE was $2,700. But of course, the new balance reporting from UNIFUND is $3,200. I'm just seeking some guidance and would appreciate someone answering the following questions:
-Should I send a DV directly to UNIFUND, Hecker Law Firm, or both?
-What are the chances of settling the debt at the original balance of $2,700 ( or lower )
- Would hiring an attorney to take care of this for me be a wise choice? Do they have better luck settling for lower amounts?
Again, any advice is much appreciated. I intend to pay this debt, but some of these forums regarding UNIFUND and Hecker have made me a little nervous...
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