[Dazzle]

Ive been reading through the Beginner/Intermediate section and have learned a few things but my first question is I just moved to Florida last fall. The items on my credit report were from my previous state how do I know what the time limit is for them to sue me?

[roybean]

When you say last fall, do you mean around Sept, Oct of 2006?

I think it depends on when your residency becomes affective in your new state. Most states say things like transferring a major bank account, become employed, get a drivers' license etc. Have you done any of these things?

[roybean]

Also, are you looking at the hard copies of your reports? Not online versions.

[jlynn]

From everything I've read, FL SOL can be tricky. What kinds of debts are we talking about? Credit cards, medical, secured, etc. sometimes SOL's vary by type of debt as well.

What state did you move from?

[Dazzle]

We moved to FL in September of 06 from Michigan, the negative marks on my report are from a couple of credit cards that I wasn't able to pay back in 2002. My last payment on both of them was November, 2002. On my Experian credit report I have 2 collection agencies both reporting them and also it looks like one of the credit card companies is still giving me 30 day lates every month.I get lost on the credit report because both of the collection agencies are listing dates in 2005 for the last payment.

I lived in Michigan from 2002-2006, before that we lived in California where the Credit Cards were opened. I have all 3 reports from the credit people Equifax, Experian and TransUnion.

The only contact I have had with these is a law office about a year ago they called I was never home and they left several messages.

Should I start out by sending validation letters to all of the people listed on my credit report?

[Enigma]

Have you established residency in FL? ie are you employed, enrolled kids in school, gotten a FL drivers license?

As to your creditors, I'd lay low for awhile. Once you establish residency you can use FL laws to your advantage.

Once you open a bank account and your CR's are pulled by banks, phone company etc, your creditors will know where to find you.

[Dazzle]

Yes, I'm employed and I'm also enrolled in the Art Institute of Tampa. We also have a bank account.
Would this be considered establishing residency? This all is so confusing! I really would like to get these accounts taken care of because of housing issues.

Thank you all for your replies

[roybean]

Schools usually outline residency requirements pretty well and your state department of motor vehicles website should also be a good source.

Don't worry about being confused right now...just take your time and read!

[Enigma]

Originally Posted by Dazzle

Yes, I'm employed and I'm also enrolled in the Art Institute of Tampa. We also have a bank account.
Would this be considered establishing residency? This all is so confusing! I really would like to get these accounts taken care of because of housing issues.

Thank you all for your replies

There are four requirements to establish legal residency:

1. A valid Florida driver's license
2. Automobile registration
3. Voter registration
4. An affidavit filed with the county Comptroller's Office in the County Courthouse

[Dazzle]

Have all of those, AIT required it before I could start classes there, so it sounds like i'm ok on establishing residency. I found some templates on the internet today about disputing is it ok to print one of these out and send it off?

Thanks again and I will keep reading

[roybean]

Originally Posted by Dazzle

Have all of those, AIT required it before I could start classes there, so it sounds like i'm ok on establishing residency. I found some templates on the internet today about disputing is it ok to print one of these out and send it off?

Thanks again and I will keep reading

The only thing you need to say is "I dispute." Don't get into the habit of copying stuff off the internet.

[Dazzle]

Thanks roybean I will write up the letters and send them off Monday afternoon

One real quick question, what happens if they dont respond? I've read alot of times they do not

[Enigma]

Include the line: "I dispute the amount, character and legal status of the debt you allege I owe you, your client or the original creditor."

Post here before you send anything see we can see how it looks.

[Dazzle]

Originally Posted by Enigma

Include the line: "I dispute the amount, character and legal status of the debt you allege I owe you, your client or the original creditor."

Post here before you send anything see we can see how it looks.

Is this ok?

Midland Credit Management
5775 Roscoe Ct
San Diego, CA 92123-1356

My name is xxxx <edited out OP name>, and I would like to dispute the amount, character and legal status of the debt you allege I owe.

Please send validation or remove yourselves from my credit report.

(sign my name, address)


Then repeat the same letter with the next collection agency?

[Dazzle]

hi all I wanted to give an update on this situation, I received a large envelope from this company can you tell me what constitutes validation?

What am I supposed to be looking at?

[hannah]

Originally Posted by Dazzle

hi all I wanted to give an update on this situation, I received a large envelope from this company can you tell me what constitutes validation?

What am I supposed to be looking at?

What was in the large envelope?

[Dazzle]

let me dig it out, I'm having problems staying logged in to the board. It keeps kicking me off and telling me that I am not logged in and dont' have access. I tried reading the case law and sending hedwig a pm but it wouldn't allow me I'll go through the envelope and post tonight

Thank's for your quick response hannah I appreciate it I'm scared

[hannah]

Originally Posted by Dazzle

let me dig it out, I'm having problems staying logged in to the board. It keeps kicking me off and telling me that I am not logged in and dont' have access. I tried reading the case law and sending hedwig a pm but it wouldn't allow me I'll go through the envelope and post tonight

Thank's for your quick response hannah I appreciate it I'm scared

Clear the cookies and close your browser, then reboot your computer. Log back in. Hopefully that helps.

[Dazzle]

They've sent me alot of stuff since the DV

2 offers to reduce the debt, one by 40% that was the first letter, then the second letter was a 50% off offer and then the 3rd large envelope contained a note from a Helene Waters stating that I owed the debt. They also included one page of charges, it looks like a billing statement but none of these charges are mine and the thing that confuses me even more is the dates they have down on this statement! At the time they say these charges occured I had already defaulted!

[Dazzle]

Sorry forgot this also, they are now calling me almost every day at work. My boss has even gotten calls