http://www.infinitecredit.com/forums/ Collection Agencies Dunning you? Are they complying with the FDCPA and or the FCRA? IF they are not, they could be liable for up to $1000.00 to you! This is the forum to educate and protect the rights afforded to you under the FDCPA and the FCRA. Legal aspects of credit restoration will be found in this forum. MEMBERS CAN POST ANONYMOUS QUESTIONS... en Tue, 07 Sep 2010 21:06:35 GMT vBulletin 60 http://www.infinitecredit.com/forums/images/infcredit/misc/rss.jpg http://www.infinitecredit.com/forums/ http://www.infinitecredit.com/forums/advanced-credit-repair-dealing-collection-agencies/11088-need-help-georgias-sol.html Wed, 25 Aug 2010 12:54:30 GMT Does anybody have any case law that could help in my situation?

Georgia's sol for credit cards used to be 4 years, but in 2008 due to an appeals court - it is now 6 years. Is there any kind of argument that since a default happened "before" the new law - could it go by the original 4 years sol?

Or is there any case law for Georgia supporting a cardmember agreement that states that Delaware or Virginia's laws will govern the agreement? I know that in Georgia, they use procedural law which will then go back to Georgia's sol, but that just doesn't seem fair! The card agreement states in black and white that it will be held by Delaware or Virginia's laws and they sure used that to reap their interest rates, but then get to use my state's sol to sue? This just means that they reap the high interest and then my own state allows this to continue for a "longer" period of time (6 years) before they have to file suit - all the while piling the debt as high as possible! :mad:

Could invoking arbitration possibly force this out of the court system and then have the opportunity to go back to the Delaware or Virginia's sol? Also wondering if there is any case law for this?

Any thoughts would be appreciated! ]]> Advanced Credit Repair - Dealing with Collection Agencies GeorgiaGal http://www.infinitecredit.com/forums/advanced-credit-repair-dealing-collection-agencies/11088-need-help-georgias-sol.html http://www.infinitecredit.com/forums/advanced-credit-repair-dealing-collection-agencies/11086-couple-questions-newbie.html Tue, 17 Aug 2010 15:00:06 GMT Hello all,

I am trying to repair my credit so that I may purchase a house in the near future. I am just starting with the repair process so as you can imagine I'm pretty overwhelmed.

I decided to try to call a CA to attempt to resolve one of the smaller debts ($268 from a $30 original balance on a sears card), but when I was on the phone with them they brought up another debt, a very old one that I didn't realize they were in charge of. They asked me if I wanted to talk about that one and I said no, but then she played a recording which went way too fast and said something about me sending them a letter within 30 days.

I ended up setting up a settlement for the sears card, but I'm worried that I may have "refreshed" the other (larger) debt, which was supposed to fall off the reports later this month (I believe)

In your opinion, should I be worried about the debt reappearing on my report, and if so, can I prevent it? I was close to paying them to settle it, as they were down to 10 cents on the dollar of the original amount, but if it's about to fall off I'd rather just let it.

TIA ]]> Advanced Credit Repair - Dealing with Collection Agencies leftyz http://www.infinitecredit.com/forums/advanced-credit-repair-dealing-collection-agencies/11086-couple-questions-newbie.html http://www.infinitecredit.com/forums/advanced-credit-repair-dealing-collection-agencies/11085-intro.html Sun, 15 Aug 2010 11:56:27 GMT Hi, I'm new to this site. I have an unusual situation as I am a debt collector and I also have serious unpaid debts.

I've just got some questions that I was hoping to get answered.

#1 How often are you allowed to notify a debtor in writing about pursuit of collection? Is 15 days okay? It's first party collections. ]]> Advanced Credit Repair - Dealing with Collection Agencies barbkspr http://www.infinitecredit.com/forums/advanced-credit-repair-dealing-collection-agencies/11085-intro.html http://www.infinitecredit.com/forums/advanced-credit-repair-dealing-collection-agencies/11081-colection-agency.html Mon, 09 Aug 2010 19:34:57 GMT Hello I moved out from a rental agency in Nov 2009. They sent me a statement of account and I owed them 671.00. I have $471 in damage deposit since 1993. They took that and are charging me $671 for cleaning that did not take place. I learned from my neighbors(I was there for 10 years) that the... Hello
I moved out from a rental agency in Nov 2009. They sent me a statement of account and I owed them 671.00. I have $471 in damage deposit since 1993. They took that and are charging me $671 for cleaning that did not take place. I learned from my neighbors(I was there for 10 years) that the day after I move out they the carpets, and floors were ripped out and the windows and the roof to give theplace a new makeover.

I do not owe them any money....They are charging me 20 hours of cleaning at 15.00 per hour and money for disposal fee and whatevernots. I wrote them a letter of dispute but they sent the dept to a collection agency who contact me twice and I made her an offer but she would not hear of it whe wants the complete amount. I did not hear again from her and today after applying for aline of credt I found that the collection agency put that debt on my file. So I am messed up credit wise until 6 years from now...
Anything that anyone knows that I can do to correct this sistuation? ]]> Advanced Credit Repair - Dealing with Collection Agencies minman http://www.infinitecredit.com/forums/advanced-credit-repair-dealing-collection-agencies/11081-colection-agency.html