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  1. Thanks for the input. What is a FOAD paragraph?
  2. Thank you! I will check the laws & licenses out. 😁
  3. Wonder how that would apply to me. I'm in WA State. Very interesting! Thanks for the info.
  4. Thank you Why Chat. You have helped me so much in the past. I appreciate your input.
  5. Thank you. I was worried they would report to the bureaus if they just purchased it
  6. Hi! I could use some advice. Whychat? Out of the blue, I received a settlement offer from EOS CCA in Boston, a CA for "current " creditor, U S Asset Management, Inc. It says the original creditor was Century Link Qwest and gives the original account number as my old phone number. This number was disconnected when I moved on Nov. 1. 2011. This is past the SOL. There is no original date on the letter. The letter does say that the original amount is $176.36 with no interest or fees. This seems a bit high but I do not remember the correct amount. I forgot all about it. I did not receive collection letters and it never reported to the bureaus. I would think that the information contained in the letter covers everything which a validation letter would generate. So what plan of action do I take? What letter do I send? I opted out 3 years ago but have since obtained more CCs. Perhaps that left me vulnerable to data miners. I have opted out again. Your help is appreciated. Jaybird
  7. Thank you, Why Chat. I will send the letter to OC this week. Good to know that dental information falls under HIPPA. Thanks again for everything you do!
  8. Thanks to WhyChat's method, I have just closed on my new home! I cannot thank you enough. I am not sure if a dental debt works the same way with HIPPA as a regular medical bill so I may be posting this in the wrong place. During the home buying process, I had a $30 dental bill from last year which I had forgotten about, go to a collection agency. Because I was in a panic over having just been approved, on the day I received the initial collection agency report, I immediately sent a check for the amount to the OC, the dentist. His office returned the check with a long personal letter explaining that they could no longer accept the payment because they had just given my account to a collection agency. My insurance was supposed to cover the whole visit, so I suspect that they are billing for the extra amount. Not cool but, due to the death of my wife, I did not handle it at the time. Now I just want it gone! The debt has not yet posted to my credit reports. Any ideas on how I might keep that from happening since the OC refuses to accept payment? If I pay the CA BEFORE it posts to my CRs, will that keep it from happening? Thank you in advance for your ideas and advice.
  9. Exactly! I didn't know it was illegal. I will definitely opt out again! Thank you.
  10. It is mine. My insurance was supposed to cover 100% and they charged me extra. Didn't even start billing me until after 7 months after my visit! I sent the payment directly to the dentist, not the CA. The account just got to the CA. Hoping the dentist cashes it. How long do CAs usually take before they first put it on the CB? Hoping at least 1 to 2 weeks. Has anyone had any experience just sending payment directly to the OC, not the CA? Just did it without any other communication thinking a bird in the hand might be worth it to them. Don't even know if they CAN accept it.
  11. I have a quick question. I am in the final stages of applying for a mortgage and closing on a house on May 1. My credit is all clean thanks to the WhyChat method! 720's from MyFico all around. Yesterday, I received a new CA notice for a dental bill in the mail. I immediately mailed a check for the entire amount to the dentist, not to the CA. I wrote payment in full on the front of the check. I am praying that they cash it. The notice and the payment theoretically COULD have crossed in the mail. If the dentist cashes the check am I off the hook in the short term? How long does it take for initial CA accounts to post to CBs. I am literally in my last week!! Thanks in advance for your thoughts. A VERY Nervous JayBird47
  12. I informed my loan officer in an e-mail, so I am covered He has not responded, which leads me to believe he is not worried. I was thinking last night that for a CA judgment to be enforced at any time in WA, it would have to be filed with the county court in WA. You cannot file a judgment which does not exist because it has been purged and file destroyed. Also, there is no way of reporting to the court if it were paid. It isn't there to report on. Looking at houses today! Thank you, everyone!
  13. The judgment was obtained in 2003 in CA for $2800. It was good for 10 years. It was NOT renewed and it was purged and files were destroyed in 2013 per the court record. That is 14 years!! I think this makes it unenforceable. I am in WA. I am going with a VA mortgage. Will they still require repayment?
  14. No. Never paid. An unscrupulous landlord in another state. 2003. $2800. Just looked it up online at the courthouse. File destroyed in 2013.

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