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Old 10-03-2012, 04:52 PM   #1
Charge
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Default Collection agency and an old judgement

Basically, I received a letter from a collection agency on a debt. I couldn't figure out what the debt was at first. They listed Bank One as the original credit company, and I've never done business with them.

I did some research and it appears this was a debt from 13 years ago, off an old store credit card(guess it was sold to Bank One eventually, was not backed by them when I had it).

So apparently, this $245 debt eventually became a judgement...except I was never notified. The records indicate they sent the letters to an address that I haven't lived at for over 10 years...so I was long gone when they tried to contact me about 8 years ago.

Obviously, this thing is not on my credit report, as it aged off quite some time ago. But in Ohio, you have 15 years to attempt to collect(this varies by state). So now this judgement/debt was sold to a new collections agency who has tracked me down.

I have no issues paying the debt...I didn't know it existed. But I have two concerns. One, they've inflated it to like $1700 and are offering a buyout of $750. That's a bit absurd. Second, some of my friends are suggesting that if I do pay this off, it could re-appear on my credit report. That's the part that concerns me.

Does anyone know if you pay off a judgement/debt that had already dropped off your credit report, can the payment cause it to reappear? I just ran my credit report to verify it is NOT there right now. I have two dings only(one from 6.5years ago about to drop and one from 5 years ago, but is very minor). This one isn't there. I actually don't ever remember seeing this one since I started tracking this stuff more religiously about 5 years ago.

If I negotiate them down to a reasonable amount and just pay it off...will my credit get the ding? Or do I have to somehow try to fight the judgement on the grounds that this case from years ago, never properly notified me so I could defend myself? Do I even want to do that?
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Old 10-03-2012, 04:56 PM   #2
EricScott
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13 year old bad debt? I would tell them to piss off.
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Old 10-03-2012, 04:57 PM   #3
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Charge it.
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Old 10-03-2012, 04:59 PM   #4
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Jack off on their faces after raping their dog.
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Old 10-03-2012, 05:02 PM   #5
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The SOL on credit card debt in Ohio is 6 years.

Tell them to **** off.

If you make *any* attempt to pay any of the bill, the SOL resets and it could reappear on your credit report. With debt that old, I usually tell people to just avoid it. If you're tired of dealing with the collection agency, you can write them a letter demanding that they stop and they are required by law to stop. At that point the only thing they can do is decide to sue you or not, which in your case I am 99% sure they cannot due to the SOL. Simply being contacted does not reset the SOL....only making an attempt to pay it does. This would be reflected on your credit report under something like Most Recent Activity, etc.
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Old 10-03-2012, 05:04 PM   #6
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Jack off on their faces after raping their dog.
and upper decking their toilet
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Old 10-03-2012, 05:05 PM   #7
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I wouldn't do **** unless they get it to go to court. Even then no way would they get $750 awarded to them. Tell them to piss into a hurricane...
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Old 10-03-2012, 05:06 PM   #8
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Jack off on their faces after raping their dog.
Creatine, it's no joke.
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Old 10-03-2012, 05:07 PM   #9
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and upper decking their toilet
...all while taking the lord's name in vain of course.
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Old 10-03-2012, 05:16 PM   #10
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With something that old there is a very good chance that they don't have the legal documentation required to collect the debt. You send them a letter by certified mail with return receipt requesting that they validate the debt, wait 30 days, and if they haven't responded then you don't owe them the money.

Validation letter-copy/paste and put in your info

This site walks you through the whole process
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Old 10-03-2012, 05:18 PM   #11
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^ That

CN: Tell them to remove your number from their list, and never call you again.


Once notified to cease collection attempts, keep records of when (time of day), and how often they call again. There is an anti-harassment law that will fine them/award you $1500 for the initial judgement of violation, and every call after if they continue.

In addition to tacking on outrageous fees, they are attempting to collect on a debt that has long since been closed/settled/written off by the original company.
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Old 10-03-2012, 05:21 PM   #12
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you should contact the guy who will catch Xan on the credit boards.
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Old 10-03-2012, 05:23 PM   #13
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Originally Posted by Indocti Discant View Post
you should contact the guy who will catch Xan on the credit boards.
Alright, that's the third reference to this I've read. It sounds hilarious. Details!
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Old 10-03-2012, 05:23 PM   #14
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yes the moral of today is:

Don't pay people the money you owe them
, especially if it takes them a while to find you. The nerve of the dirty scoundrels, didn't they watch the Seinfeld episode about "Jerry, its written off".
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Old 10-03-2012, 05:24 PM   #15
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Originally Posted by FellowTraveller View Post
yes the moral of today is:

Don't pay people the money you owe them
, especially if it takes them a while to find you. The nerve of the dirty scoundrels, didn't they watch the Seinfeld episode about "Jerry, its written off".


No one owes a collection agency ****. The original owner of the debt forgave it long before some douchey collection agency comes after you.
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Old 10-03-2012, 05:24 PM   #16
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Blast the letter liberally with piss.
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Old 10-03-2012, 05:27 PM   #17
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Originally Posted by FightingFalcon View Post


No one owes a collection agency ****. The original owner of the debt forgave it long before some douchey collection agency comes after you.
That was my point. The OP owes someone money (corporations are people after all, my SuperPAC proves that)

The OP should find the original debtor and pay what he/she owes.

The OP will just tell the collection agency to go to hell and they will call a couple more times and give up.

Collection agencies are scum, but people ideally should pay what they owe (directly to the organization or person they owe it to though).
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Old 10-03-2012, 05:28 PM   #18
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Quote:
Originally Posted by r0bman View Post
Alright, that's the third reference to this I've read. It sounds hilarious. Details!
http://forums.nasioc.com/forums/show....php?t=2407397
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Old 10-03-2012, 05:28 PM   #19
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Quote:
Originally Posted by FellowTraveller View Post
That was my point. The OP owes someone money (corporations are people after all, my SuperPAC proves that)

The OP should find the original debtor and pay what he/she owes.

The OP will just tell the collection agency to go to hell and they will call a couple more times and give up.

Collection agencies are scum, but people ideally should pay what they owe (directly to the organization or person they owe it to though).
See? This is what happens when you give some podunk socialist Canadian internet access.
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Old 10-03-2012, 05:31 PM   #20
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Tell them Linda McMahon will take care of it.
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Old 10-03-2012, 05:32 PM   #21
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Originally Posted by FightingFalcon View Post


No one owes a collection agency ****. The original owner of the debt forgave it long before some douchey collection agency comes after you.
Not quite true. Usually the debtor sells the debt to the agency for pennies on the dollar, then writes off the remainder as a loss. The collector can now attempt to recover the full amount, since they now own the full debt amount, and make money on the deal for their effort of tracking you down.

However, as far as fees and **** running up the total... unless those fees/penalties were agreed upon in the initial transaction that created the debt, then I don't think the collector can make up their own fees and run up the charges.

My guess is the big number is fabricated in an effort to make the actual number sound like a deal. Personally, on something like this, a) I wouldn't pay them anything because the SoL's have probably expired, and b) if I did pay them, it wouldn't be for a penny more than the original amount owed.
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Old 10-03-2012, 05:32 PM   #22
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Quote:
Originally Posted by FellowTraveller

That was my point. The OP owes someone money (corporations are people after all, my SuperPAC proves that)

The OP should find the original debtor and pay what he/she owes.

The OP will just tell the collection agency to go to hell and they will call a couple more times and give up.

Collection agencies are scum, but people ideally should pay what they owe (directly to the organization or person they owe it to though).
The debtor paid enough with 7 years of ****ty credit. I think the bank can live without its $275 or whatever the OP owed them.
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Old 10-03-2012, 05:34 PM   #23
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Originally Posted by kfoote View Post
As I suspected. Thank.
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Old 10-03-2012, 05:39 PM   #24
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I don't think i've ever laughed so hard while at work. Holy ****
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Old 10-03-2012, 05:47 PM   #25
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Consensus has arrived:

Spend money you don't have, then neglect to pay debts off by having a bad credit rating for a couple years while avoiding answering bill-collection agencies calls. Then rinse and repeat.

wow, <insert derogatory term for dumb people who abuse the credit system> really are winners. Your grandparents would kick you in the balls for not owning up to what you owe. Society is going to hell (since the day they gave everyone credit cards).
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