Questions on Two Debts.
your account has been written off since you were 180 days past d
your account has been written off since you were 180 days past due.
Found this while googling...
Does a Partial Payment Restart the SOL?
Depending on what state you live in, if you make a partial payment, you could be postponing the Statute of Limitations' taking effect on your collection account or charge-off. A collector might call you one day and say you waived your rights when you made a deal with the collection agency. Do not take anything a collector tells you for granted. Make them prove it to you, in or out of court. For about half the population, the Statute of Limitations started ticking the day they made the last payment for their account.
Some states have laws which specify that a partial payment does not restart the clock on the SOL, unless there is a new written promise to pay. What that means is that you actually write out a new agreement with the orginal creditor and/or collection agency. If you live in one of these states, simply sending in a check doesn't restart the clock. The statute of limitations is only extended by new written promise to pay in these states:
Arizona, California, Florida, Iowa, Kansas, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New York, Texas, Virginia, West Virgina, Wisconsin.
soaplady, while you are correct on the individual states' collec
soaplady, while you are correct on the individual states' collection SOL, the OP is asking about the reporting SOL, which is entirely different. The reporting SOL is federal, and does not change. A negative account can remain on your credit for 7.5 years from the date it first became delinquent. The payments you made have no bearing on this because the account is still delinquent and was never brought current. The original delinquency that caused the account to go to collections still exists, so the original date of delinquency is still the same. Add 7.5 years to that date and you will know when the account should drop off your reports. The original creditor wrote the debt off--that doesnt mean you do not owe it anymore. It simply means that they wrote the amount off. Original creditors do that after a certain amount of time, and then they often sell the debts to debt buyers, who then come after you trying to collect. But at the end of the day, the federal reporting SOL has not restarted in your case. If the account were delinquent, and you brought it current, then it would restart if you became delinquent again to the new date of delinquency.
Skydivr nailed it pretty good. I would say that if you owe the
Skydivr nailed it pretty good. I would say that if you owe the bill you should pay it, but you seem to be motivated solely by your credit score. Keep in mind that the SOL for filing a suit against you works differently. Depending on your state, the SOL is 3-10 years from your last payment. If your balance is below $800 it is very unlikely that legal action would be considered, but Cap1 can be very aggressive when it comes to this.
As for T-Mobile, you have 30 days from the date they mail you the first demand letter to request verification of the debt (VOD). If a VOD is received by a collection agency they cannot continue collections until they verify the debt. The FDCPA does not define what needs to be provided to verify the debt, so pretty much anything with your name, the creditor's name and a balance will work.