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Bluesie58

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  1. It is wise to research possible case law due to the fact that courts interpret laws. There is no SC case law that shows a credit card debt to be a “mutual, current, and open account.” A plaintiff which makes that claim would bear the burden of proof. Unless you you can show that the last action by the creditor (late fee, interest charge, etc.) determines the SOL, you have not shown that a credit credit debt is a “mutual, open, and current account.”
  2. I live in South Carolina, and I’m not going to argue. Show me the case law.
  3. Notice the phrase “on EITHER SIDE”. The credit card bank is the other side. That means that the SOL could begin based upon an item posted by the credit card bank. Should the SOL begin when the last item is a late fee or finance charge posted by the creditor?
  4. You are referring to a mutual, open, and current account. There is no S.C. case law that supports the “last action of EITHER party” claim in regard to credit card debt. For that claim to apply to a credit card debt, it would mean that the last action could be taken by the credit card company. I know of no state that has ruled that the SOL on credit card debt begins when a credit card bank charges a late fee or finance charge. Unless a late fee or finance charge can start the SOL, a mutual, open, and current account does not apply to credit cards. In SC, the SOL begins at the date of last payment or charge. It is not based upon the actions of EITHER party.
  5. Yes, the issue in Edeh v. Midland was reporting before responding to a timely validation request. It’s not similar to the OP’s issue at all because in Edeh there was no question that the initial communication was a letter that contained the 30-day notice.
  6. Ruling that credit reporting is a collection activity is not a ruling that reporting is an “initial communication”. Those courts did not rule that credit reporting constitutes an “initial communication” requiring a debt collector to send a consumer the 30-day validation notice. In Edeh v. Midland, the initial communication was a letter that contained the 30-day notice. However, in Edeh v. Aragon, Edeh did allege that credit reporting is constituted a initial communication, but the same MN district court disagreed. “Here, Plaintiff alleges that Defendant reported the debt to the credit reporting agencies and that this constituted an ‘initial communication’ under the statute. But . . . the credit reporting agencies are not ‘natural person.’ 15 U.S.C. § 1692g(a)(3). Nor are they obligors or alleged obligors of the debt. Thus, the reporting companies are not ‘consumers’ under the FDCPA, and Aargon's reporting of the debt to these agencies did not trigger any notification obligations under § 1692g(a).”
  7. They only have to provide that notice after an initial communication. Courts that have ruled on the issue have ruled that reporting to CRAs is not considered an initial communication because it is not a communication directly with a consumer. As a result, it does not trigger a requirement to send the notice or your right to request validation.
  8. They are not required to notify you before reporting a debt to the CRAs. Credit reporting is not an initial communication that requires a debt collector to send you the 30-day notice.
  9. Have you disputed with the credit reporting agencies? A credit report TL is not subject to debt validation. Instead, you must dispute specific information that is being incorrectly reported.
  10. You have to first dispute with the CRAs. If you haven’t done that, then there’s currently no FCRA violation. In addition, you said the debt is recently settled. They’re not going to change the information overnight.
  11. No, you don’t have to pay the full amount to qualify for a PFD. Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.
  12. Not a Duggar fan, but what does their handyman’s financial state have to do with theirs?

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