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glasshalffull

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  1. here is a link to the BC Service credit item to look at the history: http://imgur.com/bxWiw5n
  2. Got a copy of my experian report and to my surprise I see an open collection (opened May 2011 and continues to June 2017) for a $181.00 amount for a medical bill to a creditor (BC Services Inc.) who took it over from a medical center. I think I paid that off in 2011. It was for a medical bill that was created during a minor ski accident that happened in Colorado and I think I remember writing the check and mailing it to the company...........I'm in Missouri. They are showing it in "collection" on my credit report but I have not received any mail or notifications about this in 3-4 years which is why this has me shocked.......I didn't know about this still being open and existing as "collection" on my CR. I went to BC Services website and even though I do not have any login information, I do have an account #, which the login calls for, along with a password........so I entered the account # and pressed "forgot password" and got this: Invalid account and/or password. Please try again Not sure that really matters. In researching this, it looks like they are "parking the debt" Can I dispute this without having concrete verification of payment on my end? Will BC Services be willing to...........or even be able to....... check their records for receipt of payment..........and if they verify the payment was made in full, can I get this removed and cleaned from my credit report? Could the fact that this is from May 2011 make it easier for me to win the dispute? If I lose a dispute and can't get it removed, I'd just prefer to pay the $181 again to close the collection but is there any procedure or paperwork I could/should ask for that might aid me in getting this removed from my credit report? I was told that whychat is the person to ask for advice so I graciously ask for your guidance and I'll start to read thru your provided info.... thanks for any and all advice!!
  3. glasshalffull

    paid off collection still showing on experian

    thanks parisamour
  4. glasshalffull

    paid off collection still showing on experian

    I'm in Missouri, the collection agency is in COlorado
  5. glasshalffull

    paid off collection still showing on experian

    in doing more research, I'm seeing that it is quite common with medical debt to have the collector not send any type of notifications..............it's called "parking of debt"
  6. I'm looking to clean up my credit report as I have several old negative items I'd like to try to remove/fix. Got a copy of my experian report and to my surprise I see an open collection (opened May 2011 and continues to June 2017) for a $181.00 amount to a creditor (BC Services Inc.) I know I paid that off in 2011. Problem is, I'm having trouble finding my payment receipt and any correspondence as I thought it was settled and closed and thru everything away. I think I wrote the check from a bank account that was closed years ago. I remember paying it because it was for a medical bill that was created during an accident that happened in another state and I remember writing the check and mailing it to the company. They are showing it in "collection" on my credit report but I have not received any mail or notifications about this in 3-4 years which is why this has me shocked.......I didn't know about this still being open and existing as "collection" on my CR. Can I dispute this without having concrete verification of payment on my end? Will BC Services be willing to...........or even be able to check their records for receipt of payment..........and if they verify the payment was made in full, can I get this removed and cleaned from my credit report? Could the fact that this is from May 2011 make it easier for me to win the dispute? If I lose a dispute and can't get it removed, I'd just prefer to pay the $181 again to close the collection but is there any procedure or paperwork I could/should ask for that might aid me in getting this removed from my credit report? thanks for any and all advice!!
  7. glasshalffull

    ultimatum from Attorney for Unifund LLC

    thanks SBA, I found the state statute of limitations in Missouri is 5 years for credit card debt, reading it, i think it is collectible but i'm not sure as I'm having a hard time deciphering the written words. I think that credit card debt would be "obligations and liabilities" below....correct? 516.120. Within five years: (1) All actions upon contracts, obligations or liabilities, express or implied, except those mentioned in section 516.110, and except upon judgments or decrees of a court of record, and except where a different time is herein limited; (2) An action upon a liability created by a statute other than a penalty or forfeiture; I belong to prepaid legal as well, i'll give them a call and see what they have to say about it thanks
  8. glasshalffull

    ultimatum from Attorney for Unifund LLC

    DV them, CMRRR. Do not sign the letter. Do not give them your SSN. thanks for your help, what do you mean when you say, "do not sign the letter"? just print my name, but don't actually write my name? sorry if the question is basic
  9. I got a letter from an attorney firm Miller and Steeno, P.C. saying that they represent Unifund LLC, assignee of Citibank NA I'm in Missouri, not sure how old the debt is but it is at least 2 years old, not sure how to figure the age of the debt out. It is credit card debt. Don't see any fall off date. They say unless I notify them by October 13, that i dispute the validity of the debt, the debt will be assumed to be valid. If i notify them, in writing, that i dispute the debt, they will obtain verification of it and a copy of verification will be sent to me. If requested in writing, they will also provide name and address of the ORIGINAL CREDITOR, if different from the current creditor. Not sure what i should do. I guess i should request that they verify the debt, but how can i tell if this debt is actually still owed or has been charged off? What should i write to them to request verification of the debt. What does this letter mean? thanks for any help with this problem.
  10. glasshalffull

    right and wrong way to settle?

    I have 2 different parties who have sent me letters to settle in the past and I would like to consider them if they are still valid, but I want to make that I do it correctly so that these settlements are final and that i get as much protection with the settlement as I should. Are these good offers from these agencies or not? Here are the 2 companies proposals: 1. January 12, 2012 Balance $450.00 45°/o SETTLEMENT OFFER***** <br clear="all" style="page-break-before:always;mso-break-type:section-break"> Dear Sir On behalf of DEPARTMENT STORES NATIONAL BANK (Current Creditor), Capital Management Services, LP. is willing toaccept less than the full balance due as a settlement on the above mentioned account. The settlement offer shall be $200.00 due in our office no later TEN ( 1 0) days from the receipt of this letter are not obligated to renew this offer. Upon clearance of sufficient funds, our records will be updated to reflect that the above account has been satisfied. Our representatives are trained to offer assistance regarding this obligation. This was offered along time ago, I don't know if they would allow me to accept this. I can't find any newer letters from them. Do I just call them and tell them I accept this proposal? What should I make sure is stipulated in any agreement? 2. letter dated early May, 2012 Creditor: Chase Bank Balance due: $2000.00 ***** Special Settlement Offer ****** We have been authorized by our client, Chase Bank U.S.A., N.A., to offer you an opportunity to settle your account. If you wish to take advantage of a settlement offer, you must selectone of the following options: - 1 paymentof $847.57, which is 41% of the current balancedue by 05/23/12. -6 payments of $155.04, whichis 45% of the current balance due by 05/23/12,06/23/12, 07/23/12, 08/23/12, 09/23/12 and 10/23/12. Detach and submit the top portionof this letter along with your paymentor if you prefer to pay by Check-by-Phone or Master CardNisa, you may contact our office at 1-866-677-2587 to make arrangements. You may also visit our website at www.gotonls.com to make a payment. Please be advised that if this item does not clear through your bank, this settlement offer will be considered null and void. We arenot obligated to renew this offer. Any paymentsor credits in excess of the agreed settlement amountwill be applied against the account's outstanding balance. Chase Bank USA, NA is requiredby the IRS to provide information about certain amountsthat are discharged as a result of a cancellation of a debt on a form 1099C. If Chase Bank USA, NA is required to notify the IRS, you will receive a copy of the form 1099C that is filed with the IRS. This is from May so I can hopefully get them to still agree to this. What do I need to make sure I have in the agreement to make sure this is handled properly on my behalf? thanks for any help
  11. glasshalffull

    right way to payoff a credit card?

    I have an overdue credit card account in collections with capital one and I have the ability to pay it off now. the total amount to pay off is around $600 (I'll verify that with cap1 when i call them) When i pay this off, is there anything i should make sure that i get in writing that will make the terms of this situation better? Being as late as this account is, i understand that it won't have a good reflection on my credit score but i just want to make sure that I don't unnecessarily agree to something that could affect my future credit as i start to rebuild my credit score. thanks for any help

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