Had some bad debts in 95 after 5 surgeries in 18 months, not fun. Recovered and now been unemployed for 4 yrs at 62 with a few handicaps that don't allow me to work at many places, have a few pensions that keep me going. Last time I worked with someone named Michael Goldberg who really helped me a lot by writing CCA to question debts. I'm stuck again, 3 credit cards owing $18k, even IRS has abandoned trying to collect, labeled me as "Unable to Pay". Question is, since CA's have stopped calling, can I do something to change the CCA's neg listings on me. This worked before but that was '95 and maybe laws have changed.
This is 2008. If the last activity on your debts was really 1995, they shouldn't be even on your reports anymore.
You can always dispute and hope that they don't verify, in which case it would be removed. Target specific fields such as balance, account type, etc.
I personally wouldn't give them any specifics at first. Just dispute them without any reason. That's how most of mine melted off; why make their jobs any easier?
