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Why chat- need guidance


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Posted by head is swimming (24.197.236.74) on January 22, 2003 at 19:57:37:

My husband brought a great deal of debt to our marriage. He had over $27,000 in credit card debt. We have worked very hard to pay this off in full over the course of the last 3 years. We sent off our final payment a couple of weeks ago.

Suddenly last week we received a letter from a CA stating he owes US Bank $7,219 from a past account. He doesn't recall any particulars of this account but spoke with US Bank today who said he should deal with the CA, but they can send him statements, etc. (he had so much debt in so many places I'm not sure if he doesn't recall it or if there is something funny going on with the whole situation) He indicated US Bank was very nice to work with on the phone which is of course a switch from the usual. He asked if the account had been sold to the CA and they indicated it had not, but had just been turned over to them.

We live in WI and the SOL has apparently not run out. It is frustrating because we finally were free (or so I thought) from Credit card debt only to have this blow me totally away. Seems very intersting that this shows up only days after completing payments on all the outstanding debt we worked so hard to pay off.

The date of service on the letter is 10/14/99. There is no indication of this account on any of the credit reports we have. We recently purchased a home and had to go through an extensive approval process to get the home loan and probably got it because of my squeeky clean credit rating which most likely offset some of my husbands poor rating. So, we have pretty recent credit reports. Nothing with that account number shows up and I would assume US Bank would have certainly made a report seeing as this is apparently from Oct 99.

I have no clue how to proceed with this and would appreciate your guidance. The name of the CA is I.C. System, Inc.


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