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  1. Thanks to everyone for your responses.
  2. So, in 1998 I settled a BOA charge off with a debt collector. That was before I knew much about credit. In 2003 I started working on my credit and found that BOA still carried the full debt as being owed. I sued them in small claims court. I met with BOA lawyers before court, showed proof that I paid and they paid me $ 1500 to settle it. 4 years ago I started getting calls again from various debt collectors about BOA oustanding account. I kept telling people that that was dealt with in 1998, but of course they didn't believe. Every 6 months or so I'd get a new collector calling, leaving messages. I ignored, but I'm getting quite p.o., because some of them called me several times per day etc. Nobody ever wrote (well, I wouldn't give them my address, just said that if they were legit, they would know where I lived). A new collector just sent me a dunning letter. I responded that it's been settled, as well as my court case number with BOA CRRR. But I no longer have any of the old paperwork. I move a lot and tend to lighten my load every so often, as by law you're not having to keep paperwork longer than 7 years. I no longer have the old documents where I paid the collector in 1998. Technically, it's way past collection deadline anyway, even if I hadn't settled this. But I'm a real estate investor and get mortgages frequently. My almost 800 score is super important and I can't have these companies potentially ruin my credit. How long can this stuff legally float around?
  3. Heck, looks like I'll never get out from under this. I'm just doing all I can to have enough cash to pay by October, after the extension.
  4. But I'm not late for 2015. They're only due on April 15th. I don't have the funds to pay them ahead.
  5. I had a tax lien for 2010 taxes. It was placed in 2012. I went into a payment arrangement with them and everything was paid off by April 2014. On my credit reports it said that it would fall off in 2018. So, reading that I can apply to have my paid lien withdrawn, I also wrote to the Credit bureaus, hoping they'll just take it off. Instead they confirmed and now they based it on the last activity date and it'll only fall off 2021. Well, I figured that the IRS would just approve my withdrawal and it wouldn't matter. Got a letter today, that they denied my application, because I'm not in compliance with making estimated tax payments for 2015. I always file extension and pay a penalty in October. I thought that was my right. But I also thought that the withdrawal was automatic, once you apply. Any suggestion? I don't want to get into a squeezing a lemon match with the IRS, but this will pretty much screw up my credit for the next 6 years.
  6. They could have mistyped the house number and it was returned. At that time it goes to the 'Stale check' file for 6 month then it will go to another stale check list for 6 months and then it will go to the state for a certain number of years. I suspect some of those 'typos' are done in purpose.
  7. As I recall, the accounts move to 'unclaimed' after they have gone seven years with no activity. Centex, actually, the time frame for 'holding' of funds completely depends on the origin of the funds (estate, victim's restitution, tax auction and many, many other sources). it can be from 6 months to 10 years, before the funds are turned over to the state, if they're turned over to the state at all. And if the funds aren't claimed with a certain timeframe the state can keep them. This is a huge revenue source for the states and they don't really want people to claim the money
  8. there are many different types of Unclaimed Funds. First they will sit in different Holding entities, which might be Banks, Insurance companies, various Government Agencies. Some of them will escheat tot he State after a certain amount of time. Others the particular holder can keep, if not claimed within a certain timeframe. The irs funds are different from the insurance funds and they're not on the same list. If you claim the funds, they will verify if you're the correct person or not and only disburse after. So, put a claim in, even if you're not sure. They will check
  9. the thing is, if your dad doesn't get consequences for his actions, what's to keep him from doing that for the rest of your life? It's not as if you can just apply for a new SS#. So, if you let him get away with this without anything and take care of it yourself, it's as if you're enabling him, telling him that it was and is ok to do.
  10. You can sue 'pro se' in Small claims court. I found that the companies back down pretty quickly, if they're in the wrong and you have proof. Once you have filed suit it will go to their legal dept., who will want to settle this with you. At least that's my experience. Filing in small claims court is usually less than $ 100.00, depending on your county.
  11. Oops, meant 'in the FCRA'
  12. HXF, where exactly do I find the law that states what a 'procedural request' entails in the Fdcpa?
  13. They basically just wrote that they ask the creditor for verification and that's what they use. And if I have any problems with that I need to contact the creditor directly. This was a formal written Procedural Request. Don't they have to give me more than that?
  14. An old charge off that was $ 4500, is now being reported as $ 6,900 by a new CA. Do they have the right to increase the original amount?
  15. Frankly, I gladly show my ID when I buy something. They're only protecting me. What does it matter if a cc is signed, if it's used by a thief? It's not as if the merchant can tell that the card belongs to someone else. Who's signature would they be comparing it to? I think ID comparison is a good thing. It keeps someone else from using my card if they ever stole it.

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