Calvary Portfolio Services Negotiations

[meleven]

Hello,

 

I have a charge off from HSBC/Saks that was purchased by Calvary Portfolio Services.

 

I have sent a DV, and most recently a PFD. They would not accept the settlement and stated that they do not delete.

 

The current balance is 1821. The lowest they will go is 1350. I don't have enough to pay the entire 1350, so I offered 600. They rejected the offer and said they couldn't help me.

 

Is there another way I can try to get them to settle?

 

 

[JunkBuyersWorstNightmare]

When was the DOFD?

[meleven]

When was the DOFD?

 

I am so glad you had me take a look. I just noticed that the DOFD on the HSBC/Saks listing on my account states June 2010. That is the first date that lists 30, then it goes on until 180 and CLS at Jan 2011. When I was recording my DOFD on my spreadsheet, I put 2013. I don't know why!!

 

With this, is it actually beyond the SOL?

 

I am in Nevada. Also, does it matter which state you opened the account in? Or, does it only matter where you are living. In Nevada, it is 4 years.

[meleven]

 

When was the DOFD?

 

I am so glad you had me take a look. I just noticed that the DOFD on the HSBC/Saks listing on my account states June 2010. That is the first date that lists 30, then it goes on until 180 and CLS at Jan 2011. When I was recording my DOFD on my spreadsheet, I put 2013. I don't know why!!

 

With this, is it actually beyond the SOL?

 

I am in Nevada. Also, does it matter which state you opened the account in? Or, does it only matter where you are living. In Nevada, it is 4 years.

 

 

 

Also, I just noticed that a Chase CC that has NOT been sent to collections had a DOFD of June 2009. I made an arrangement to pay them. Should I cancel the payment? I see that it is pass the SOL as well.

[ICANHASMUNY?]

 

 

When was the DOFD?

 

I am so glad you had me take a look. I just noticed that the DOFD on the HSBC/Saks listing on my account states June 2010. That is the first date that lists 30, then it goes on until 180 and CLS at Jan 2011. When I was recording my DOFD on my spreadsheet, I put 2013. I don't know why!!

 

With this, is it actually beyond the SOL?

 

I am in Nevada. Also, does it matter which state you opened the account in? Or, does it only matter where you are living. In Nevada, it is 4 years.

 

 

 

Also, I just noticed that a Chase CC that has NOT been sent to collections had a DOFD of June 2009. I made an arrangement to pay them. Should I cancel the payment? I see that it is pass the SOL as well.

 

 

if the payment arrangement was in writing, it reset the SOL - if you cancel it, they can sue.

 

it's called " Novation" look it up on google

[meleven]

 

 

 

When was the DOFD?

 

I am so glad you had me take a look. I just noticed that the DOFD on the HSBC/Saks listing on my account states June 2010. That is the first date that lists 30, then it goes on until 180 and CLS at Jan 2011. When I was recording my DOFD on my spreadsheet, I put 2013. I don't know why!!

 

With this, is it actually beyond the SOL?

 

I am in Nevada. Also, does it matter which state you opened the account in? Or, does it only matter where you are living. In Nevada, it is 4 years.

 

 

 

Also, I just noticed that a Chase CC that has NOT been sent to collections had a DOFD of June 2009. I made an arrangement to pay them. Should I cancel the payment? I see that it is pass the SOL as well.

 

 

if the payment arrangement was in writing, it reset the SOL - if you cancel it, they can sue.

 

it's called " Novation" look it up on google

 

I did send a pay for delete, but they didn't honor it.

[ICANHASMUNY?]

 

 

 

 

When was the DOFD?

 

I am so glad you had me take a look. I just noticed that the DOFD on the HSBC/Saks listing on my account states June 2010. That is the first date that lists 30, then it goes on until 180 and CLS at Jan 2011. When I was recording my DOFD on my spreadsheet, I put 2013. I don't know why!!

 

With this, is it actually beyond the SOL?

 

I am in Nevada. Also, does it matter which state you opened the account in? Or, does it only matter where you are living. In Nevada, it is 4 years.

 

 

 

Also, I just noticed that a Chase CC that has NOT been sent to collections had a DOFD of June 2009. I made an arrangement to pay them. Should I cancel the payment? I see that it is pass the SOL as well.

 

 

if the payment arrangement was in writing, it reset the SOL - if you cancel it, they can sue.

 

it's called " Novation" look it up on google

 

I did send a pay for delete, but they didn't honor it.

 

if you paid them it reset the SOL.

 

NRS 11.200  Computation of time.  The time in NRS 11.190 shall be deemed to date from the last transaction or the last item charged or last credit given; and whenever any payment on principal or interest has been or shall be made upon an existing contract, whether it be a bill of exchange, promissory note or other evidence of indebtedness if such payment be made after the same shall have become due, the limitation shall commence from the time the last payment was made.

[1911 CPA § 26; RL § 4968; NCL § 8525]

 

http://leg.state.nv....ml#NRS011Sec020

NRS 11.020 Effect of laws of limitation of other states or countries. When a cause of action has arisen in another state, or in a foreign country, and by the laws thereof an action thereon cannot there be maintained against a person by reason of the lapse of time, an action thereon shall not be maintained against the person in this State, except in favor of a citizen thereof who has held the cause of action from the time it accrued.

[1911 CPA § 5; RL § 4947; NCL § 8504

 

 

Deleware choice of law applies per Izquierdo v. EASY LOANS CORP., Dist. Court, D. Nevada 2014 ( read it on Google scholar )