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Re: Help, Need Advice!!!


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Posted by cat (4.14.164.131) on June 15, 2004 at 19:03:09:

In Reply to: Help, Need Advice!!! posted by Drowning in Debt! on June 15, 2004 at 18:28:16:

well, first, no dont pay any CAs. second, cap1 is BAD about that and law says they must charge off after 180 days of no payments. if they get a judgement on you in the original state, it must be perfected...moved to your new state to be enforced on property or such, . if no one is calling you...dont wake them up. i paid and am still paying..over 800 to cap1 on a 200 limit. did you pay anything during the 180 days? if so, they wont CO it for another 180. but with no payment..they must CO in 180 days. thats federal law. they know it. keep all your proof on all this, in case of a suit. i wish you well and your husband well and good luck. others will be along with more advice for ya...dont pay nothing unless you get sued and want to settle then and only in writing...with it paid in full etc. but no..dont even mention paying a CA...you will cause a mass vampire panic towards the blood. settlin is hard on a good day..you have to get it just right in writing or they simply sell off the diff and you start over. im glad you got your place sold..hide that money and not in a bank. at all. they find it..you lose it in a judgement. yes, asking to settle may well wake them up. they may not even own the accounts any more..who knows. they may be sold to a CA. should you contact cap1..do it in writing CRRR on the law. but..unless they start calling..i wouldnt mess with it. not CO is good on the credit report. lol. let them keep it as such. its a good defense in court on the amount you will owe..since you know your rights. again, more will come along and tell you more things or ideas. this is just mine,what i would do. hugs** good luck to ya! medical did us in too...


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