Bad Credit Repair Discussion Forum - View Single Post

shadow · 01-12-2008, 05:06 PM

Around Feb. 2001, I stopped paying every bill I had due to loss of income. I lived in Tennessee then - 6yr SOL.

About October/November-ish 2001, I made 1 payment to Ameridebt directly (donation thing), followed by another payment the following month to be distributed to creditors. I made no other payments to anyone on anything.

I am now having problems with a Sears Account.

It should have been delinquent and never made current as of March 2001 at the latest. I do not think the short Ameridebt thing would have made it current.

In 2005, I moved to Michigan - also a 6 yr SOL.

Sears is no longer listed at all on my credit report.

LVNV Funding was the collector last summer and they listed it to remain on my credit report UNTIL MARCH 2009 !

Now this account is being collected by a local attorney (just got the first letter), so I am expecting a lawsuit is on its way.

Should I send a letter denying any debt and that it is outside the SOL ?

How do I go about proving the date of the delinquency or getting it taken off my credit report ? 2 months is 7 years.

01-12-2008, 05:06 PM	#1 (permalink)
shadow New Member Join Date: Jun 2007 Posts: 6 Casino Cash: $301400	About to be sued on debt outside SOL Around Feb. 2001, I stopped paying every bill I had due to loss of income. I lived in Tennessee then - 6yr SOL. About October/November-ish 2001, I made 1 payment to Ameridebt directly (donation thing), followed by another payment the following month to be distributed to creditors. I made no other payments to anyone on anything. I am now having problems with a Sears Account. It should have been delinquent and never made current as of March 2001 at the latest. I do not think the short Ameridebt thing would have made it current. In 2005, I moved to Michigan - also a 6 yr SOL. Sears is no longer listed at all on my credit report. LVNV Funding was the collector last summer and they listed it to remain on my credit report UNTIL MARCH 2009 ! Now this account is being collected by a local attorney (just got the first letter), so I am expecting a lawsuit is on its way. Should I send a letter denying any debt and that it is outside the SOL ? How do I go about proving the date of the delinquency or getting it taken off my credit report ? 2 months is 7 years.