Dell Account-Statute of limitations
State-Pennsylvania
Charge off-November 2008
Total charge off amount-$2500
Paid towards balance-$1000 via FRS (collection agency)
I offered a final payment of $125, to clear the account! FRS sent the account back to ARS-Dell’s (in house collections department). I called ARS, offered another $125, they “said no†(such a shock). ARS offered $780! One final payment or extended to 90-days, and the payments broken up for 3-months.
My question is should take offer? Or just ride the storm? I know Dell is famous for taking folks to court! My last payment with FRS, just in August-2012?
Suggestions? Advice?
You have 2 years before your SOL runs out. Get the settlement o
You have 2 years before your SOL runs out. Get the settlement offer in writing if you decide to do it.
@soap lady I "thought" the SOL for Penna, was "four" years! Th
@soap lady
I "thought" the SOL for Penna, was "four" years! This account was charged off in November-2008?
Just wondering.....
You can follow the link in SoapLady's signature: SOL for all
You can follow the link in SoapLady's signature:
SOL for all states
It will help to clarify - 6 years for written contracts, 4 years for oral contract.
I have found the SOL for Pa is 4 years for both! I am asking,
I have found the SOL for Pa is 4 years for both!
I am asking, if Dell can still take me to court over this debt....
what about the payments made to the collection agency, when were
what about the payments made to the collection agency, when were they made?
Last payment was in August 2012 (via FRS the collection agency)
Last payment was in August 2012 (via FRS the collection agency)
FRS returned the account to Dell's own private collection department.
Dell wants another $780 to settle the account. Almost $1400 is fees.
Not sure how to proceed!
Dell is difficult to deal with, collectors are clueless, disrespectful....
@Barbara - you are right it looks like there has been a change f
@Barbara - you are right it looks like there has been a change for PA, contract used to be 6 it did state:
The statute of limitations on debt in Pennsylvania limits the time you can be sued for a debt.
Oral Contract: 4 years
Written Contract: 4 years
Promissory Note: 4 years
Open-Ended Accounts: 4 years
The last payment was made in August of 2012. [SIZE=4][/SIZE] S
The last payment was made in August of 2012.
[SIZE=4][/SIZE]
So did I reset the SOL on this debt?
yes
by paying on the account you did reset the SOL.so try and work out the settlement and get it in writing.btw chargeoff doesn't mean the same as date of last payment/first delinquency.totally different.
