Question 1 - a long shot... Cap1 has "two" collection accounts on my credit reports. The SOL for suit is past the 4 year mark here in California. If I dispute with CRA's as not mine, and send a little letter to OC asking to furnish me application with signature on it, and they verify with the CRA, isn't that continued collection? I know they AREN'T a CA, but they would be trying to collect by verifying with the CRA. Could I sue them for continued collection activity on a debt that is uncollectable???? Make sense, or am I stretching just a little too high. It's cap1 you know.
There is nothing that prevents an OC from trying to continue to collect, at least as far as FEDERAL law is concerned.
Darn, back to the ole drawing boards. Has anyone had success with dealing with Cap1? What do you define as success? Not sure where to go from here.
