ms65442

Thanks for your understanding Whychat. For now I'll let sleeping dogs lay re: the car. That was my initial impulse, but I wanted to check with the community here to see if I was missing something. Freezing my accounts is a good idea, I'll do that. I've been following your guides for 10ish years now, overcame a lot of hurdles in my files, and appreciate all the work you do to help folks.

I understand how to get a divorce with him absent, I understand community property laws, and of course I have a right to the car, etc. I'm not moving forward with a divorce for various very personal reasons (not wanting to get back with him but rather child and safety reasons) and am not looking for divorce advice. Re: this situation, a divorce wouldn't solve my problem with the lender, as I'm a co-signer and lenders don't care what a decree says. I could get a default divorce judgement that he is to return the car to me, sure, but without knowing where he or the car is it doesn't actually help me much. The car hasn't been registered since 2016 so if it were pulled over it would be impounded immediately for not having tags for that long, and the lender/CA would be notified their property was in impound, so having a default judgement won't help, it'll go back to the lender/CA even without one. Having it tagged as "unauthorized use" could upset him, something I'm not willing to do, and the result is the same either way - car is impounded. All that and it's my belief he's not driving it but instead has it hidden on a friend's property anyway. So it's never on the road to get pulled over. I'm interested in advice on how to deal with my credit report, specifically Genco Recovery - contact them or not, considering they are not on my reports yet and haven't contacted me. Dispute Lender B's chargeoff entry on my report (who doesn't own the debt anymore)? History with Lender A is clean, as it should be. Address the Lender A & Lender B's lack of attempt to actually repo the car when I asked them to and gave them it's location?

No, as I wrote in my first post, we are not divorced. The car hasn't been registered since I last paid it in 2016.

Lender A and Lender B did have my info, but I'm told that Lender B kept mailing his 1st address (the one I gave them for location of the vehicle) with bills addressed to me. That address (his 1st address, that he's since moved from) is now on my reports and I've sent off letters to get it removed. Lender B has sold the debt to Genco Recovery, and I haven't had contact from them and I don't know if they have mailed his former address. I only know that he moved away from his first address about a year ago, to another town, where I had his second address, but then he was displaced by fires just a couple of weeks after moving there, and I don't know where he is now. He typically sleeps on friend's couches until they kick him out, does odd jobs for cash so he's not receiving paychecks, so there's no way to find him (no bills in his name, employment, etc.). His family and friends won't give me info as they are trying to help him avoid turning the car in, and, of course, as his ex, I'm the enemy. I don't think he's driving it, I think he's hiding it somewhere on another friend's very remote property, but I don't know the friend's address, only that the friend has it. At this point, I don't know if it makes sense to try and deal with Genco (I don't have any info to give them on him or the car's location, they aren't showing up on my reports right now and it'd be great if they don't...) or just sit and see what happens?

We don't have a divorce decree, as I can't locate him. It doesn't really matter, as you know, I'm still liable for the debt.

I removed myself from the title shortly after he left by signing a release of liability with the DMV. It's titled in his names (and the lenders). I did this so that, as you wrote, if he got tickets or in a wreck, I wouldn't get the bill, and also so that he could turn in the car to the lender or as a trade-in without my signature. I'm still on the lenders docs as a co-signer, obviously. Initially he said he would trade it in at a dealership to pay off the loan and get a car in his own name, but he didn't. That would have been ideal, no repo, just a couple lates on both our reports. But, of course, he didn't do that. So then my goal was to get it repo'd as quickly as possible, so that the lates wouldn't pile up and I could just deal with the aftermath, but they never went and got the car, even though at the time I knew exactly where it was and told them. Now I don't know where the car is, or he is.

I co-signed on a car loan from Lender A of about $20k for my husband of 11 years in 7/2015. In December of 2016, we seperated, but haven't completed the divorce. He took his car that I co-signed on and was to make the payments on it, but didn't. (Big surprise). I made the payments for 3 months, but couldn't afford to continue make the payment while I was also supporting our kids etc. all on my own. In March of 2017, the payments were current, and the loan was transferred to another lender (not collections) due to some internal reorganization at Lender A. That account, from Lender A, shows all good history, status current, closed, $0 balance on my reports. The new loan holder, Lender B, received the account at the same time I stopped making payments (March 2017). When Lender B took control of the loan, I called them and told them we were separated, I didn't have the car, but gave them the address where it was and told them to repossess it as I could no longer make the payments and my soon-to-be-ex-husband was refusing. I also gave them his contact information. I waited months, but Lender B never repossessed the car. My credit reports show the account with Lender B having $0 balance, no payment history negative or positive, no lates, etc., account closed and charged off / purchased by another lender (Genco Recovery) as of April 2018. As of now, there aren't any other entries on my report other than what I described above from Lender A and Lender B. Nothing from Genco Recovery or any other collections company, nor are there any public records for it. I ran the VIN and see it's still in my husband's name, to confirm that they haven't repo'd it, and it IS still in his name. He's refused to talk to me for over a year, and moved several times, so I no longer know where the car is or where he is, only that according to DMV it's still in his hands. I'm not sure how to deal with this in terms of credit repair, or if I should just let sleeping dogs lie for now?

Bump...

Sent initial medical dispute to CRA's, came back verified. Sent HIPPA letter to original health care provider (hospital I went to for emergency services). They deposited the cashiers check and I received the following letter from them today (it's very long, I'm paraphrasing): ----------------------------------------- You indicate in your letter of June 4 that HOSPITAL has violated HIPPA, State Privacy Act, Fair Credit Reporting Act as well as HITECH. In reviewing you accounts, there is no evidence that we have violated any of the above. At the time, we determined you had not responded to our efforts to collect the unpaid debt, therefore we were within our rights to reassign our ability to collect the debt to a collection agency to continue collection efforts up to and including the ability to charge interest and report to the credit bureaus. At the time of assignment, under all applicable laws, the only information we provided is the relevant demographic, activity notes, total charges, payments and adjustments since the date of service. We do not report medical condition or reason for the service rendered. At this time, the reporting of an open medical bill on our behalf is accurate and will remain as such until the complete obligation has been met by remitting the principal as well as accumulated interest. Currently, I show your outstanding debt as follows: Service Date #1 Assigned Principal: $4500 Service Date #2 Assigned Principal: $1200 Principal Paid: $1200 Principal Owed: $4500 Interest Owed: $1700 Total Owed: $6200 From the breakdown you can see that while you remitted the principal for Service Date #2 you didn't pay the interest. Until all principal and interest is remitted, your credit report will remain as owing a debt. Once the debts are closed they will reflect as a paid debt. I will deposit and properly report your $4500 payment as required to COLLECTION AGENCY. With acceptance of your payment in the amount of $4500, your outstanding balance will be reduced to $1700. Please remember that the balance will continue to accumulat interest until paid in full. The interest should be paid directly to COLLECTION AGENCY to prevent delay in proper and timely recording of any payments. PATIENT BILLING MANAGER -------------------------------------------------------- The Service Date #1 & #2 were years apart and are showing on my CR as separate account with the same collection agency. She's wrong about the billing - the $1200 balance for service date #2 didn't accumulate any interest, the interest has been accumulating with the collection agency on service date #1, the $4500 account. Regardless, I sent the HIPPA letter exactly as outlined and at this point, the hospital has been paid in full and seem to think they should collect for the CA? Help on how to proceed would be appreciated!

THanks WhyChat - I knew the steps you had on your site, but figured I should address their letter in my response to them. Will get this off and see how they respond!

The original total was $525 - $500 being the balance, and $25 a processing fee from the OC. I think the CA has files where the $25 processing is unpaid. Can't dispute with the CRA's, as it's not on my reports (nor do I want it to be!). Just a second letter to the CA repeating what I already said - it's paid, check with the OC, -0- balance, etc.?

Update on this - CA signed for the DV on June 8. No response from them yet - it's been 30 days. What should I do now?

I got a dunning letter from a CA for a $525 balance due. I thought the item had been paid, contacted the OC and they said that yes, it was PIF to the OC and that the CA was wrong. I asked for a statement to be mailed to me from the OC, they did so, it shows a $0 balance due. I sent a letter to the CA saying that there was no balance due, they should update their records with the OC. They sent a letter back saying: "I am writing with respect to your request for a statement of your account. According to our records, your account currently has a balance due of $25.00. Please forward your payment to CA address. Once payment in full is received and processed, we will notify the three major credit bureaus that your account with CA has been paid." The account is not on my reports. I don't owe the CA anything, all charges were paid in full to the OC before it went to collections and apparently they sent the file to the CA prematurely. How should I respond?

As I noted above, Experian deleted when I sent the "Filed in Error" info from the Franchise Tax Board. Got responses back from TU and EQ - it remains. I suppose that since this is a public record I should go with a MOV now? Since we know the Court isn't reporting the info directly, and my reports list the Court as the data furnisher... Any other ideas?

An update on this for those who may have encountered the same situation - I sent a letter to the CRA with copies of the returned mail from NCO. Haven't received a response back yet from the CRA, but NCO sent a letter indicating the item would be deleted. Pulled my reports and it's gone! It was a paid collection, FYI.