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WhyChat & LadyNRed -180 days Charge-Off?
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Posted by A Senior
(205.188.209.144) on October 09, 2003 at 16:59:09:
I was delinquent for over 180 days in 1991. Then I made a payment to the same account number a week later (and it's now 1992) and this was the last payment I made to this account. In 1999 a judgement was filed against me. My defense was the SOL, but the adversaries are saying it's within the 6 years of the charge-off. My question is, once an account goes over 180 days, isn't it automatically charged-off? Or, by making that payment in 1992 start another 180 days for Charge-Off, again?
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