Here is the problem: I had a joint account with Richs in the mid 90s with my ex-bi*th wife that was opened in georgia. it was charged off in Sept 98. I just got a letter in the mail from "FACSGroup, Inc. " that has been asked by the northland group to "address your inquiry". It more or less said we were both responsible for the account, blah, blah, blah. One thing that is bugging me is it says "Ohio law rather than Georgia governs my account". Is this true? Another: After reaching a serious level of delinquency, this account was charged-off on september 8, 1998 and placed with the first of several out side collection agencies. Northland Group is handling the account. It is the typical "this is an attempt to collect a debt......" letter. What should I do?
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