Not to gloat - but I'm so glad I questioned the collection letter they sent on cc debt past the SOL.
It said a judgment was already awarded against me, but they were willing to give me a break - if I pay 60% of the debt in two payments they would clear my record. They even said "the lien would be removed". I'm no lawyer, but to me a lien is a hold against something of high value, like a house or car - how could they be awarded a lien on cc debt?
Anyway....I did my homework & there is no judgment and now First National will soon be cutting me a check for violating the fdcpa.
I have an attorney that is getting ready to file a lawsuit....and if First National was stupid enough to use this scare tactict on others it will be a class action suit.
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