I have several accurate chargeoffs, Cap one, Direct merch, CCB, providian, If I request proof right from the original creditor that these are mine will I make them come after me more aggressively or is there a chance they wont have a signed contract, they are about 3 years old, what should I do? they come back verified with reporting agencies.
I'd leave the orginal creditors alone. If worse comes to worse and they sue you, they don't need a signed app from you to win. All they have to show a judge is some business relationship and you'll furnish most of that when they subponea your bank records and cancelled checks and then, just ask you "did you ever have an account with Cap 1 and then stop paying"? Play the verification and validation game with the ca's and the cra's. Don't push the orginal creditor too much.
So what you are saying is giving them checks obligates you to pay them forever with out end-Right? And you have to pay them what they sue you for as it doesn't matter wither you owe it or not!
