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Posted (edited)

Good morning my fellow CBers :wave: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 :blush:

Edited by CTSMOM01

Posted

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?

 

Posted

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?

The last post in this topic was posted 4815 days ago. 

 

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