I just got a phone call from Bill Stewart with Graham Noble and Associates and he claimed that I was being sued for over $9,000 , what he claimed was three times the amount they bought the account for. The thing is, that he claimed i lived and opened the account in Texas and was very rude. Essentially, i am judgement proof and what I don't get, is all my closed and collection accounts are all at the end of their seven years. I had someone two years ago try to sue me and they were told is was past the limitations to do so. I checked my credit report again and the accounts have been sold again and began over again with time. I didn't think they could do that. I have heard some pretty shady things about this company and all he tried to do was to get me to admit that it was my debt and I was going to pay--neither of which I said because he kept saying that it was being recorded and he was going to sue. Have you had any dealings with them? Everything is over 7 years old now.
2007-10-01 11:19:38 · 6 answers · asked by operaphantom2003 4 in Business & Finance ➔ Credit
I have never had any problems with items dropping off the credit report until now. Capital One and this Midland Credit (listed for only 2,300). These are all over 7 years old, how do I get them off?
Before you say' you should have paid them on time"--these are not my debts ! I have been trying to clear this up for years.
2007-10-01 11:21:16 · update #1
Let me add, that I got my 3 in 1 credit report and the only things listed on it are all the collection agencies (8 entries for a total of 3 original credit cards--what a rip) and the one mentioned is not listed and the original date of their supposed credit card was 8/2002
Isn't that past the collection sol for Utah (4 years)
2007-10-01 11:35:42 · update #2
What they are doing is re-aging your accounts and it is VERY illegal..Write not only to the Collections company( NO more phone call) write to the 3 credit reporting agencies and to the FTC and the Attorneys Generals Office and to the BBB tell the C/C and the C/A they are breaking the law under the Fair Credit Report Act.. and that you will file suit if they do not remove the negitive line off your report and if the collection comany does not stop contacting you. Tell the other offices I mentioned your story. Good luck
2007-10-01 11:32:09 · answer #1 · answered by Crazy cat lady >^ ^< 4 · 1⤊ 0⤋
Send a dispute to the credit bureau for the re-aged accounts.
Send the collection agency a cease and desist letter. Tell them the debt is not yours and is past the SOL. If you do get a summons be sure to show up in court. If you don't, they will get a default judgment even if it is past the SOL.
You said the debt was opened in Texas but you live in Utah. Have you every lived in Texas? Is this ID theft or mistaken identity?
2007-10-01 12:05:08 · answer #2 · answered by bdancer222 7 · 0⤊ 0⤋
I am going through the EXACT same situation with the EXACT company! I have called the "creditor" known as Citibank and they have told me that they do not have anything listed for me in their systems and I have NEVER had a citibank account!
I am going to fight these stupid Graham Noble & associates people! This is BS. I can't believe that you are having the same problem.
Did someone come out to your house as well??? Apparently they came to my house while i was at work. I never received a letter or anything like that from them!!!
2007-10-04 08:18:59 · answer #3 · answered by Rachel Q 2 · 0⤊ 0⤋
I know that you can go to annualcreditreport.com and pull a credit report...you can dispute anything putting your side on the report...they have to verify it is your debt and if they cant it will come off immediatly. When your deep into collections like that they arent going to be nice...dont take it personal thats what they get paid for..I think, unless you claim bankruptcy, they can keep reassigning it to a new lawyer and it will stick...good luck.
2007-10-01 11:26:55 · answer #4 · answered by Candi 1 · 1⤊ 0⤋
I think it falls off 7 years and 3 months. The 3 months is 90 days default period before it is written off. The years starts from the last deliquency. Not when it was opened.
2007-10-01 12:01:36 · answer #5 · answered by outlawimmortal2 2 · 0⤊ 0⤋
shame you don't have that in writing or recorded because you can sue them back.
www.creditinfocenter.com
they can threaten but they have to validate the debt,
tell you whether they purchased or were assigned the
debt, SHOW YOU THE CONTRACT that THEY SIGNED
and show a contract that you showed YOU Signed.
2007-10-01 11:26:33 · answer #6 · answered by Anonymous · 2⤊ 0⤋