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  1. #1
    Join Date
    Sep 2007
    Posts
    1

    Unhappy Help With a Collection Request

    Hello Forum,

    I hope that I can get some advice from you guys have visited and learn a great deal in the past 72 hours or so, my situation is that have just received a letter from a law office here in Georgia attempting to collect old cc debt transferred to collection company First Resolution, ran in too trouble and was homeless for a spell in 2000 stuff hit the fan, that said settle with one account for $6,000 grand in 11/2005 and now there are after the second account which I haven’t has in activity since 7/2003, and what shows as 2,399.00 they are asking 6,736.94 balance due and 30 days to respond to their letter, after reading around on the forum feeling that I should challenge this collection and not buckle like I did 2 years ago, what do you think? Thanks in advance the account balance 5429.00 I settled 11/2005 although they had it at 12,000?

    PROVIDIAN FINANCIAL
    1600887095**** Account not used. Credit limit is $2,399. Balance is $0. 07/2003

    PROVIDIAN FINANCIAL
    0700783110**** Account not used. Credit limit is $5,429. Balance is $0. 08/2003

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

    Default Re: Help With a Collection Request

    If this is credit card debt, you can try arguing for the application of a four year limitations period for open accounts, although some Georgia courts apparently apply the six year period applicable to contracts. You can also try negotiating for a lower payoff amount.

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