Debt I did not know about...!
Date: Thu, 03/10/2011 - 18:54
I have a question:
Here is the situation: I left the country 4 years ago to work abroad after graduating. I am back to the US this year and I carefully went through my accounts online. I realized I still had one credit card with AT&T Universal and called them to make sure it was closed. When I called, they answered my account had been sold to Midland Credit Management. I called MCM, which told me my account was past due and closed and that I owed about $2400. They proposed to give me a 40% discount if I agreed to pay 1400$ in 3 times. I asked them for a letter stating my debt and they answered they only send letters, after you make the first payment. I am very surprised as I have never received any mails in the past 4 years from AT&T Universal claiming the debt or informing me of past due payments. Today, I have requested my credit score, and the MCM debt appears under "Negative Accounts" - "Closed Accounts" with the amount of 2400$. What should I do? Many thanks for your reply.
Here is the situation: I left the country 4 years ago to work abroad after graduating. I am back to the US this year and I carefully went through my accounts online. I realized I still had one credit card with AT&T Universal and called them to make sure it was closed. When I called, they answered my account had been sold to Midland Credit Management. I called MCM, which told me my account was past due and closed and that I owed about $2400. They proposed to give me a 40% discount if I agreed to pay 1400$ in 3 times. I asked them for a letter stating my debt and they answered they only send letters, after you make the first payment. I am very surprised as I have never received any mails in the past 4 years from AT&T Universal claiming the debt or informing me of past due payments. Today, I have requested my credit score, and the MCM debt appears under "Negative Accounts" - "Closed Accounts" with the amount of 2400$. What should I do? Many thanks for your reply.
As a general rule, collection email is not forwarded. Plus most
As a general rule, collection email is not forwarded. Plus most dont mail out of the country.
Since you were out of the country, the SOL was tolled meaning your debt is more than likely within SOL>
Thank you very much Soaplady for your reply. Sorry I do not know
Thank you very much Soaplady for your reply. Sorry I do not know anything about debt collection.
I would like to make sure my credit report is clean for the future. What do you advise I do with this debt. Should I just leave it alone and never contact MCM again? And how would I remove it from my credit report? Thank you for your reply.