Results 1 to 3 of 3

Hybrid View

  1. #1
    Join Date
    Sep 2007
    Posts
    2

    Default Collection Calls from Charged Off Credit Card

    I now live in Ca, but at the time Oregon. American Express closed my account in 1996 and charged off the balance in 1997. I have just started receiving collection letters and phone calls from a collection agency now in 2007. Help. They of course are calling every day and sending letters that if I don't respond the debt is valid. Any suggestions? Can they keep calling? Any help would be appreciated. Thanks.

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Collection Calls from Charged Off Credit Card

    A charge-off is meaningless in terms of debt collection, but a ten-year delay should put you past the end of the statute of limitations in either Oregon or California. I suspect the debt was recently acquired by a junk debt buyer who is trying to collect money, even though the statute of limitations has run.

    This thread has a sample letter you can use to try to get the collection agency to stop contacting you.

  3. #3
    Join Date
    Sep 2007
    Posts
    2

    Default Re: Collection Calls from Charged Off Credit Card

    Thank you so much for your response and the thread for the sample letter. It is greatly appreciated. D

    1. Sponsored Links
       

Similar Threads

  1. Banking: Don't Ignore Credit Card Transaction Verification Calls
    By LawResearcherMissy in forum Personal Finance And Investment Law
    Replies: 3
    Last Post: 03-27-2011, 09:54 PM
  2. Debt Collectors: Dealing With Credit Card Calls After Defaulting
    By bmaniak1 in forum Debts and Collections
    Replies: 1
    Last Post: 07-14-2010, 08:53 AM
  3. Collection Lawsuits: Calls Re Credit Card Debt Past Statute of Limitations
    By elephant1 in forum Debts and Collections
    Replies: 3
    Last Post: 05-24-2009, 06:28 PM
  4. Debt Collectors: Collection Agency Letters Received After A Credit Card Was Charged Off
    By dispatcher650 in forum Debts and Collections
    Replies: 1
    Last Post: 09-17-2007, 07:58 AM
  5. Debt Collectors: Calls Over Collection Of Old Credit Card Debts
    By julianamarch in forum Debts and Collections
    Replies: 1
    Last Post: 06-29-2007, 11:11 PM
 
 
Sponsored Links

Legal Help, Information and Resources