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Re: very disheartened
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Posted by more help
(209.215.29.47) on November 25, 2002 at 07:40:23:
In Reply to: Re: very disheartened posted by Why Chat on November 24, 2002 at 17:38:57:
we were served a summons-march 8. 2002. it said we were being sued by asset acceptance-an assignee of citibank, they were suing us for damages it said.
2. the last payment i made on this acct. was in
august of 1997. i have my statements to prove this.
3. we signed the stipulation of settlement on march 8, 2002. actually it says feb.28,2002, because it has the wrong date on it.
4. the stipulation of settlement says the amt. of the debt, and that we will pay XXXX amount until
the debt is paid in full, upon which they will give us and the court a paper saying that it is paid and that is with prejudice, following a statemnt by asset acceptance.
it also says that if we default on this settlement we agree to have a judgement entered for this debt with the court.
5. about the sol letters, i wanted to know about that for some of our other cc accts. that also date back to that same period of time, when the problems began. they all go back to that time, except one , that i kept paying on but it also ended up getting charged off (thats the one i was asking about in my post, about when does the true date of last activity start,, because i had been paying on it, but it was still delinquent because it was over the credit limit, and i would pay and they would charge me late & overlimit fees, even when i made larger pymts. it continued like that, so thats why i want to know how to figure out the true date of last activity for this one,(discover cc)
is it when from when it first became deliquent, even though i was still paying(never could get current) or is it from when they finally charged it off? 7. regarding the stipulation of settlement with the citibank debt., i thought i read on here that paying on the acct. doesn't re-start the date of last activity ., their atty. told me that they dont report these payments to the cb, so then does that mean that in 2 years this acct. will fall off our credit report?
***In my previous post in question #1, i said sol , but i meant to say date of last activity, sorry.**** thanks for helping me, i really!! appreciate it alot!! PS: i do need to know what to do about ca/bad debt buyers, (on cr from 3/2002-last cr i have)
putting accounts on there and they have reaged them , and they dont tell who the oc is, so i cant even be sure they are really our accts.(on cr), what should i do about these, nco, has alot of these listed and they are all past the sol,( go back to 1997, )and they keep calling here and they send things in the mail. i have spoken to them before and i almost started paying them but never did because i asked them on the phone to send me a statement first, with amt due and all, and they never did, so i never started paying. should i send these cas , a sol letter for the accts that are past the fla. sol time? or should i get a new cr, and ask the cb to validate the debts as ours and then tackle the reaging if they validate? what do you think?
thanks again for helping me out with these questions.its really nice of you!
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