one is 5,600 before it went up to 7,000 and the other 3,400 before it went up, to nearly 7,000. Honestly i can not figure out which state would apply to me if I am not a californian, only here because my husband is stationed here. I am an Orgeonian, their SOL is 6 years, California SOL is 4 years. I have no clue which state they would sue me from if they did sue me, some say they can sue me from california, how i dont 'know when i'm not legally a california resident. (Charges accured in Oregon & and opened accounts there) Before i was getting letters from BofA which has the lowest amount that i charged on it, and i haven't yet heard from them. On my credit report it states pay due 3,400 so when i add that and the balance that i owed it comes up to alot, and that's a bit much i think for a 2 year period of no payment. The other card (discover) is in it's 2nd CA, i don't see anything on the report that says Sold to or anything, but i know it's the 2nd CA because the first one was Bidna & Keys. I am looking into chapt 13 or Consolidations. and possible once we save up some money to see if they settle, but I'd pay the balance not the interest fees and all that other extra charges. It's ridiculous. How much do you think 2nd Ca would settle for from the balance? I should send this CA a DV letter? that's the one i have been reading about for them to show me how they came up to the amount they say owed. Will that then speed up there process to sue me then?? I have no assets either, neither does my husband, I dont' have a job. And live pay check to pay check. I would never do a debt reduction program because I was in that but then they got investigated by the FTC (BBFS) and i didn't know at the time that interest and penalty fees would be added to that, and here i am now paying for the consequences of my mistake.
one is 5,600 before it went up to 7,000 and the other 3,400 before it went up, to nearly 7,000. Honestly i can not figure out which state would apply to me if I am not a californian, only here because my husband is stationed here. I am an Orgeonian, their SOL is 6 years, California SOL is 4 years. I have no clue which state they would sue me from if they did sue me, some say they can sue me from california, how i dont 'know when i'm not legally a california resident. (Charges accured in Oregon & and opened accounts there) Before i was getting letters from BofA which has the lowest amount that i charged on it, and i haven't yet heard from them. On my credit report it states pay due 3,400 so when i add that and the balance that i owed it comes up to alot, and that's a bit much i think for a 2 year period of no payment. The other card (discover) is in it's 2nd CA, i don't see anything on the report that says Sold to or anything, but i know it's the 2nd CA because the first one was Bidna & Keys. I am looking into chapt 13 or Consolidations. and possible once we save up some money to see if they settle, but I'd pay the balance not the interest fees and all that other extra charges. It's ridiculous. How much do you think 2nd Ca would settle for from the balance? I should send this CA a DV letter? that's the one i have been reading about for them to show me how they came up to the amount they say owed. Will that then speed up there process to sue me then?? I have no assets either, neither does my husband, I dont' have a job. And live pay check to pay check. I would never do a debt reduction program because I was in that but then they got investigated by the FTC (BBFS) and i didn't know at the time that interest and penalty fees would be added to that, and here i am now paying for the consequences of my mistake. Thanks
And we heading to Kentucky in about 7 months. So i am totally lost on what state they can sue from or which law i would fall under. I am hoping Oregon because Orgeon is not a Community Property State. Whats this thing with TOLLing SOL? i heard someone say that if you leave that state your SOL gets tolled? but what i had to move because of my husband military service? how could i find information on that? well thanks, it feels good to be talking to someone here who knows more than I and get information from.
watch out for SImm assoc they are a ca that providian brought in to collect a debt that was already PAID-they were snots to deal with (duh)- very uncooperative and condecesending - about THEIR mistake- grrrrrrrrr