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Why Chat: Please help on ? about pmts after charge off
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Posted by Rlee from OH
(199.35.116.132) on July 27, 2003 at 15:20:25:
1st, thanks so much for this forum it has been such a great help in helping me see the light at the end of a long tunnel.
My ??s are about making pmts after charge off.
My specifics. Jan. 6th 1999 stmt. from OC states "Your account has been referred to our department for disposition. Your failure to make monthly payments has resulted in your account being written off as a bad debt." After that, and between the months of Jan thru July 1999 I made 5 pmts to this I guess recovery dept of the OC. The last pmt being made on July 20th. I know this was not so smart on my part but I was going thru some very tough time following a divorce and at that time knew did not know any better. With more than $ 3,000 still owing I could not make any further payments, and stoped talking to them. While I was making those sporadic 5 payments over a 7 mo period I continued to receive statemtns but they would show only the new balance and the minimum amount due was the entire balance.
Now I received a summons towards the middle of June of this year, have answered and denied allagations. Mediation hearing set for first part of Sept.
That July 20th 1999 pmt, and the June 2003 Summons is my problem. I know and I think understand the Ohio 4 year rule, but what the pmts after charge off. I could not find anything in the oh state statutes that has anything to do with making payments after charge off. I think your position is that payments after charge off have no bearing what so ever, but can you tell me where the basis is for that, I'm going to have a tough enough time convincing these people about the 4 yr sol on open end accounts. I can feel that this July 20th pmt is going to sink me, if I cannot bring something to the table. Sorry this post is so long and thanks for everything. If I have to work out a settlement I will try, but would much rather tell them to take a hike.
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