In college I royally screwed my credit. now two years out i'm clueless on how to fix my mistakes. newest problem: hellig meyers has begun to call my parents. i had an account with them and stopped paying. it's listed below. how do i make them stop and how should i proceed? i heard on another site to send them a cease and desist letter. however its not a collection agency, its the original creditor. They didn't report me forever, and then just started reporting me monthly again. its listed below. and i live in IL if its relevant. THanks! HEILIGMYER (Individual Account) Credit Grantor Contact Information Not on record Account Number Account Type Installment Account Credit Limit (High Credit) $830 Minimum Monthly Payment (Terms) $35 23 Monthly Date Opened May, 2000 Date of Last Activity October, 2001 Date Paid Out Not on Record Date Closed Loan Type Charge Account Collateral Description Last Report on April, 2005 Balance Current status Past Due Amount $540 120 days past due $210
You are out of school now and hopefully have a job. Make arrangements to pay the bill and move on and accept the consequences of your foolish actions while in college as well as the 7 year ding on your credit record. Many will say try to pay for deletion, but chances are slim to none that is gonna happen. You messed up...now make up for it. On a side note, the DOLA was 10/2001....dont know what state you live in but many states have a SOL (could be 4-5 years) depending on what state you live in. This doesn't mean that they can't sue you for the balance, it just means that if your SOL expires then you have an affirmative defense if they ever try to sue.
