Plan of action...getting it right!

[CTSMOM01]

Good morning my fellow CBers I would like your input regarding the next steps I should take and if I am heading on the right path.

I currently live in NC and to my understanding a cell phone contract is a written contract with a 3 year SOL for suit? Correct me if I'm wrong. I have read that Midland likes to sue so I was thinking maybe my best course of action is to wait until later on this year to attack those two accounts.

 

Collection accounts

Midland DOFD: 05/2010 Date Opened: 07/2012 $495, DOFD: 07/2010 Date Opened: 08/2012 $470 (these are two T-Mobile accounts that were not paid)

For the following accounts I want to do PFD. First course of action is to DV, then follow up with a PFD (if they validate).

NCO-Nationwide Insurance $80 from 2008

Trident Asset Management-03/2010 $73.00

Interstate Credit Collection-06/2012 $95.00

Lates-GW letters don't really help these two right? What would you do next?

Active account with lates: BOA 1 late from Dec 2010, CapOne 2 lates Jan & Feb 2011

Closed account with lates: NSECU Sept/Oct/Nov/Dec 2008 30/30/60/90 -I wonder if I can get this removed since it's old?

 

Successes so far since 02/10/2013~Eq-removed all old addresses, employer and telephone numbers. Experian-I have been able to have Exp/Eq remove two old charged off accounts from First Premier and Dakota State Bank. Currently waiting for Transunion to finish investigation.

 

 

Thanks for all of your input! It is greatly appreciated

Edited February 26, 2013 by CTSMOM01

[LKH]

ttt

[CTSMOM01]

Also, I have a Sprint account that North Shore Collection has but it isn't showing on my report. Do you think I can contact Sprint and have them recall the debt and pay them in full so that I won't have that on my report. I of course would have every thing in writing?

 

[CTSMOM01]

ttt Please & thank you

[CTSMOM01]

Since Midland is sue happy I was thinking of leaving those two alone until the SOL has passed. Has anyone asked T-Mobile to take payment and recall a debt?

[rmiller0410]

I owed a sprint bill before that was sent to collections and I paid sprint then disputed the collections and they removed it.

[CTSMOM01]

For the Sprint bill I paid the CA after I received the promissory letter to never report/pfd.