MissAngelica

Thank you for your input. Based on this information, I'll just wait for the 7 year SOL.

Texas Discover Financial Servi Status as of Mar, 2011 Date opened [?] Sep, 2004 Date of last activity [?] Sep, 2006 Date closed [?] Apr, 2007 Loan type [?] Credit Card Credit limit [?] $3,500 Largest past balance [?] $3,423 Account Type [?] Revolving Account Account holder [?] Individual Account Industry Banks Descriptions [?] Account closed by consumer Charged off as bad debt Discover has recently started sending me a monthly statement of the credit card bill I owe from 2005. DOLA is 9/2006 which is past SOL How do I start deleting this off my TL? Should I send a DV to the OC? Or wait for it to go to collections and then DV? I'm so confused at this point.

What happens if JDB validates debt and 5 months later you get served?

I had braces from 6th grade to senior year hs.. the family dentist was too far from where i lived back then so thats why it took so long. I suggest you get Invisalign. When I frist met my BF, I complemented him for his teeth and later on he admitted that he used to have gnarly teeth and Invisalign fixed it. He was 28 and did it for a year. Good luck to you!!

Oooh yes. I made sure of that. Instead, I send money order checks! You know what guys, I've never been so excited in receiving mail in my entire life. I used to be so scared of flipping through those stamped envelopes seeing a firm or company name attempting to collect debt.. Now I have a sense of courage and most importantly.. Hope! Thank you CB!!!

Thanks! This helped explain the role of those dirty CA's.

I called both of the OC's and "begged" to get my account back because I don't trust paying the CA's they sold/ put for collection my account to but they said that it's too late now, if I decided to call them last April '07 then they would reconsider. Hannah and Zwicker have bad reputations as it is.. I don't trust my money with them.

Thank you for the warning. I researched their "firm" and found a lot of bad things about them. I'm getting really anxious though. How can I get these charge off's out my CR's wisely? None of the lawyers I DV'ed responded yet. I don't know what the deal is with Chevron. I know I can fit this in my budget to get a payment arrangement. From what I remember, they never sent any notices that my account defaulted.. they just went ahead and put a charge off on my CR's when I joined that crook debt settlement company last year. Do I just wait for all these to get out of SOL?

I was thinking of calling Frederick J. Hannah yesterday but thought about my budget and that I had no money to negotiate with and i'm not sure if they sold my account to Edward T. Burke. I'm starting to understand all this now... The JDB in this story is Edward T. Burke???? staceylin, how much did you settle for? what does it say on your CR, settled (paid) or paid in full?

thank you collins135! you've been so helpful. i've been looking for full time available positions near my home, i visit the gas station every week bec. my work is so far from where I live. hopefully that can help me with my budgeting. thanks everyone!!! i'll probably wait it out until i get more money in the bank to start paying these off.

Yes. Bank of America sold it to Frederick J. Hannah Discover Card placed it for collection with Zwicker & Associates What is the difference between these "sold it to" and "collection by"? To better elaborate my situation, I've attached an image from my excel worksheet of my monthly expense:

I spoke to a Recovery Specialist from BOA and they said that I should call Frederick Hannah because it's no longer in their hands. I just called Discover and spoke to their Account Specialist and they did confirm that my account is with Zwicker & Assoc. I'm not too sure if I should mess with Chevron, I've never received anything from them "yet". Okay guys... what's the next step? I DV'ed with Zwicker and haven't received anything (boy, do i got some balls! i dont even have the money to settle!). I know not to call Frederick Hannah now too. Thank you again guys. Hopefully I can get in the same high scores as you all are in!

Called Bank of America and apparently my account was sold to Frederick Hannah??? Odd.. I don't recall getting letters from them? Did they sell it to Edward T. Burke & Assoc? I'm scared to call Frederick Hannah now... they haven't bugged me whatsoever.

Was it with Credit Solutions of America? I had to really go into battle mode to get a full refund which I eventually won in the end. Do you have any suggestions who I should start off with?? What's the best way to ask if they've sold my account to those 2 CA's who haven't replied when I DV'ed? I just dont want to start off with the wrong foot. I'm thinking of calling Bank of America first since I still have 2 checking accounts, 1 savings and 1 credit card with them that are active & still getting direct deposits.

I have a couple bucks.. no more than a hundred..