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  1. Good afternoon. There are a couple of old medical bills from 2010 which went to collections in 2014. The debt is out of the SOL for the state of Florida (five-years), and over the limit of seven years for reporting on credit reports. The collections agency is repoting erroneous information to the credit bureau by stating that the accounts are from 2014 when they received the account from the original creditor, rather than 2010. I sent an email regarding this and they told me to fax them due to privacy concerns, along with the power of attorney for my father (these are his debts, I'm acti
  2. I am helping my father repair his credit as much as possible and although I have a good understanding of how to approach dents owed by a collections agency, I'm unsure of whether the same rules apply to debts still owned by an original creditor, either being collected on by an internal collections department, contracted out to a collections agency but not sold, or not being collected on at all but just charged off. There's about 6 or 7 accounts ranging from medical debt to credit cards and a personal loan that are charged off, some are being actively collected but some aren't. I'm no
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