I've got a question on this too

Posted by Final Notice (130.76.96.17) on May 26, 2004 at 11:07:09:

In Reply to: Advice please... posted by anon on May 26, 2004 at 03:36:45:

I had two MBNA accounts. Never validated them, they were charged off and CA's started duning and calling. I ignored them all and never paid a dime. Filed complaints if they got ugly and since I'm within SOL I've made NO effort to clean up my credit report.

Let it show 2 houses, 2 cars and the ex's bills. It makes me look absolutely judgement proof (I think). According to my report I'd need 2X the income - I have.

I figure let it go, look really broke and hopefully they won't go to court or garnish my wages. I work for big serospace and make good money but I have OC's to pay......

Is this a good track?

All I know is laying low, not answering the phone, not dealing with CA's through validation or C&D all collection efforts have stopped with MBNA. I'm deemed too poor a risk of recovery for MBNA and the Ca's and these were 11K & 21K accounts. Follow the advise on the board - these people know their stuff....

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