I had a Discover card back in 1997 in New Jersey, it eventually was charged off in Feb of 2001. The account was transferred or bought by Camelba Investments, LLC (whom I can find no information on). My husband is active duty Army and we move alot...a couple of years ago we were in Alabama I received some letters from a law firm asking for settlements and threatening to sue. I always ignored them and nothing happened. We live in Texas now and I just got a letter from another law firm stating that if I don't respond in 10 days they will recommend to the client that they file suit and to seek court fees, attorney fees and interest in addition to the $3268. that I owe. He ends by saying that I will not receive anymore demands from the office.
My questions are this: This collection agency is not on my credit report, Discover is. I checked two of my credit reports online today (have to get the third my mail) one says that my last date reported was July 03, and the chart they have says that i paid as agreed till then, however I stopped paying it earlier then that...my best guess is beginning of 2002. Are they trying to pull a fast one to keep this account current? The other report says that it was charged off from Feb 2001 to July 2002 and that July 02 was the last date reported.
My husband is in the Army we have one income and I can't afford to add this to my list of current debts. But I also don't want to be sued. What should I do? Do you think they will sue me? Or they would have done that in AL? Should I contact Discover card to see when my last payment was?
2006-06-12
02:24:27
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5 answers
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asked by
Tracy M
2
in
Credit