Hi! I'm a newbie, and the first thing I would like to do is thank you for all of you wonderful information!! I have been reading for the past couple days.I have some questions that I have not seen addressed in the various posts I have read. My Future Husband's self admitted # 1 problem was bad money management skils. I am trying to do some damage control due to his VERY poor Credit History. We ordered all 3 of his Credit Reports all in all he has about 20 items listed that were charged off and sent to Collection Companies. Also included in the report were 2 judgements. Eleven accounts have a DOLA more then 3 years old, 3 years being the SOL in our state for Open ended accounts. In atleast the past year NONE of the CA have tried to contact my FH even though his correct address was listed on the Report. (We have since moved and I made SURE that we registered the change of address with the Post Office, so that there were no issues with people saying they couldn't find him.) I know that SOL being up is an absolute defense, but it only works if you enter that defense before you recieve the judgement. FH swears that he never recieved a summons to appear for the cases that resulted in the judgements. I'm really unsure what action we should take at this point. I don't want to contact the creditors, but I am afraid that if we do not, we will never see a summons and get slamed with more judgements based on accounts where the SOL has passed. Any advice on the best course of action would be appreciated. THanks!
Get copies of the judgments from the court and see how he was "served". Laws vary by state. If you are sure the stuff on his cr's are out of SOL you can dispute, validate, and do just about anything you want to try and get them off. If they try to sue you you are protected. Good luck!
