I have a credit card debt from 1999 that I thought had been written off and hasn't appeared on my Credit Report for quite some time (even though it hasn't quite reached the 7 year mark).
I just got a call today from Capital Recovery Services saying they have a 'deal' from the creditor and would like to settle. I told them I didn't have the cash on hand to give them the amount they wanted, so they proposed payments - but the payments were on the original amount (plus fees, interests, etc). They also threatened to file a judgement against me. They also filed an inquiry that shows up on my Credit Report.
I'm in North Carolina. Aren't they past the SOL for filing a judgement on this account?
Also, I called the Credit Bureau (Experian) and they said it was a vaild inquiry and would stand unless I call the Collection Agency and get them to remove it.
Have I got anything to really be concerned about here?