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About Erica

  • Birthday 06/12/1976

Profile Information

  • Location
    Raleigh, NC
  • Interests
    My lovely baby and my family!
  1. Sorry I fell off the face of the earth there. I sent a debt validation letter about 6 months ago and the collections agency came back with the rental lease and itemization (IIRC). They've been reporting each month ever since. The open date is 4/26/2012, so way past the SOL to collect in North Carolina (the state I live and where the debt occurred). I'll try an obsolete letter in a month or so. I need to finance my car this summer, so I need it gone.
  2. I also just realized that I put the wrong date. I bought my house March 1, 2012. I apparently need more coffee before posting in the morning. Jeez!
  3. Just about $1100. And I just realized this is in the wrong forum. :/
  4. I had to break a lease when I bought my house in 2016. I think in NC they have 3 years to collect rental debts. If this is true, is there a place where I can find a sample letter to tweak to get it removed from my report? The actual leasing company no longer exists, by the way,
  5. Excellent. I'll have a look for the SOL letter and send that. Thank you!
  6. I have a collections for a broken lease. It's in North Carolina and was not entered into "under seal". (As a notary, I'm sure that's what under seal means) The CA is FCO. The statute of limitations is 3 years in NC for Express or implied contract, not under seal. My calculations have this debt at 5 years and 4 months old. I've done a debt validation on it because the company that owned the property I rented changed names and went out of business. The CA came back with my entire rental agreement and the move out checklist. So I sent a pay for delete at 25% of the debt value. They countered with 50% and report as settled as long as it's paid by 8/31/17. I never acknowledged the debt. It has been so long that I don't remember the next step in this process. HELP!
  7. I'm in NC also, but this is in Texas. I will have her file a complaint with the bar. Thank you!!
  8. Upon further investigation, it is from an "ambulance chaser" type attorney. It has "YOU ARE BEING SUED" and the case number on it. It was delivered to my friends grandparents house who were subsequently questioning my friend. It's not a debt collector, or a creditor. Does it still fall under the FDCPA?
  9. Lol, no. But, he's just been around for a long time. He's great!
  10. Holy chocolate. marvBear is still around!!
  11. I think it's Midland Funding, LLC. I'm having her send a dv1 letter. And she called, but I told her to stop calling. She understands. I wish I could figure out how to post a photo while mobile.
  12. A friend of mine received a postcard telling her that court documents have been filed. It's clearly in violation of the fdcpa, but, how would she address it?
  13. Are you sure? I'm looking at history on the closed/consolidated student loan from May of 2008. The history from there is positive, but there's some late pays in 2009 (I know that's not 7 years yet)
  14. Is there a way to remove student loans that were consolidated? I have about 10 loans that are showing closed (some with late pays) that I would like to remove since it's factoring into my open debt. Its been a long time since I've had to remove anything from my report, but since my CH7 is due to fall off next month, I'd like to get a jump start. Thanks!

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