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Does OC know if you've paid CA or not? + SoL & PFD questions

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I had a Capital one charge off in 2010 and it was sold to Portfolio Recovery Services recently (resulted into nearly a 20pt drop in my score since they are reporting, too)

 

The SoL for this account is (I believe) in about 4 months . I am in Florida, and the last payment on the account was 06/2010. If the SoL is actually 5 years instead of 4, then I have another year left ;\

 

I do want to try PFD with Portfolio, but I don't want to risk getting sued and rocking the boat anymore. They call once every few days and I don't respond. I have received nothing in the mail. The amount owed is $988, and I really can't afford to pay in full. I know I have a better chance of PFD once the SoL has passed. Would you all advise me to ignore them in the mean time?

 

So, I plan on doing a PFD after the SoL has passed. I also want to try sending a goodwill letter to Capital One seeing if they will remove any sort of negative marks on my report. (I have heard most people get denied, but I'd like to try anyway)

 

My main question is, if I write Cap1 a goodwill letter, would they know whether or not I paid off my debts to the credit agency? Would they even care? My letter will state that I paid these debts, which isn't a lie because I *will*, but I'm not sure it'll be paid before or after Cap One reads/sees my letter.

 

Hopefully this made sense, lol. Thanks for any help!

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I don't know if Florida has choice of law provisions, but if the original credit card agreement is governed by the laws of Virginia then the SOL has already passed. Look at your reports closely, see if Portfolio is reporting false payments, lots of us here have gotten them deleted by filing a complaint with the BBB.

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Portfolio wouldnt pfd for me. I offered full.

Portfolio wouldnt pfd for me. I offered full.

Not doubting you, but I really wonder why they say no to things like that.

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Really? How so? Based on # of years? Thanks

I don't know if Florida has choice of law provisions, but if the original credit card agreement is governed by the laws of Virginia then the SOL has already passed. Look at your reports closely, see if Portfolio is reporting false payments, lots of us here have gotten them deleted by filing a complaint with the BBB.

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Portfolio wouldnt pfd for me. I offered full.

Portfolio wouldnt pfd for me. I offered full.

Not doubting you, but I really wonder why they say no to things like that.

 

 

And your SOL was passed? Damn.

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I seem to remember a Florida law that requires a JDB to notify you within 30 days of their purchase of an account. If they fail to do that, I believe they are barred from suing you, and might be barred from collecting as well.

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