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Debt Consolidation, Counseling and Management
You're in debt and don't think you'll ever get out, maybe got some late payments, but are trying to work something out so you don't completely trash your credit. Discussion of Debt Management Programs, debt consolidation, settlement and consumer credit counseling programs.
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Our picks
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Told SOL doesn't apply, help!!
CantEven posted a topic in Medical Billing & Medical Collections,
My mother was called on Friday and was told she owed money for a hospital visit from October 2003. Of course they threatened they were taking her to court and freeze her assets and such. My mother lives on social security so she has very little money to her name anyways.
I contacted them to try and get information so I could send a letter telling them not to contact her again (technically she would be sending thebletter). I mentioned the SOL in Washington State is 6byears and this is well beyond that. The guy laughed and told me to stay off Google and it didn't apply because there was a telling agreement (or something along those lines) that was signed.
Any suggestions would be great. I'm out of my element on this one. I have a feeling this is a trash debt buyer and just threatening to scare people into paying. But I don't know what a tolling agreement is and if it is even a real thing. Also, how legal would one be to be added into ER admission paperwork?
The place is TE&A Litigation services.-
- 5 replies
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A question about reaging …
Diane40 posted a topic in Credit Forum,
I have an account that first became delinquent in April 2012 and never was brought current and has displayed that date up until March 2019 when the DOFD was changed to August 2012 and then again in May 2019 it was changed to October 2012. Is this reaging as this account should have changed to a positive status as of April 2019. Am i wrong?-
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Medical collections for deceased mother
shadekitty posted a topic in Medical Billing & Medical Collections,
My mother passed away nearly 2 years ago. She did not own anything in her name, and there was no money in savings (joint with my dad) at the time of her passing.... but they lived in Texas (a community property state) and the house is paid in full.
The house is solely in my dads name. That is the only property "they" owned.
Her medical bills were quite high and were were initially told they cannot do much as there wasn't an estate. Now tge bills are being addressed to my mothers estate via my dads name.
I know advice given here isn't legal.. But I would appreciate feedback from anyone who has been in this situation... Or advice that we should seek out an attorney.
Can they force a sale or attach to the house at all in a community property state such as Texas or is the house not touchable.
TIA CB!
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- 14 replies
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Credit Report Error
Sunshine1 posted a topic in Credit Forum,
Hi everyone I’m new to this site! I have a question about an account I saw on my credit report - it’s an old car lease back in 2006 that’s been paid for years but upon reviewing my report it noticed that it still shows open! Should I contact Transunion and have them close it or should I just leave it - there are no late payments but it isn’t showing paid as agreed!-
- 7 replies
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you may need to beef up your robocall defenses
hegemony posted a topic in Credit Forum,
https://www.bostonglobe.com/business/2017/02/01/robocalls-next-washington-agenda/rAm70apnwKTbjZ48pk7kbO/story.html-
- 10 replies
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Posts
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Thank you both so much for the reply. I still do not understand even though they may continue to report for 7.5 years why the DOFD was changed first from original date of april then to august and now october .. it has remained the same ... april 2012 .. through these past few years until now when it is time to go postive. Innovis has removed it completely and stated in 2014 that it would go postive in January 2019. Confused ... -
By JunkBuyersWorstNightmare · Posted
Waste of a perfectly good penny. -
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You are correct in the 7.5 years technical aspect. However, in practice this is seldom done. I can think of maybe a couple of threads, as long as I have been reading these boards, where a TL was deleted by the bureau at 7.5 years. The bureaus set the auto deletions to delete 1-4 months early. The DOFD was changed THREE times, each time without a corresponding change of last reported date, It seems odd that a credit bureau would do something as inefficient as this. This leads me to this question. Can a creditor make a change to a TL WITHOUT having the last reported date updated? If someone could definitively answer this question, it would be helpful to determine who is originating the change. -
That was my experience. Hilton Business SUB and MR referral bonus this last January.
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