Received a summons for a credit card debt that went into collections over 10 1/2 years ago. State of Indiana SOL is 6 years. This debt is so old that it doesn't even show on my credit reports. I answered the summons truthfully, with most responses being that I deny due to lacking sufficient knowledge after all it is going on 11 years since it first went delinquent. Now I wait and hope that it gets dismissed. But if it should go further, how do I prove that this is beyond the SOL when it does not show up on my credit reports? It does not show up on credit reports from 1 1/2 years ago as well. I am really tired of dealing with these lawyers from Wright and Lerch. They pulled this 1 1/2 years ago and it never got any further after I responded to the summons. I'd like to get it stopped permanently. They are working on behalf of LVNV. What about filing a complaint? I realize they are just trying to find a "sucker" who is willing to pay up, but I have better things to do with my time than waste it on the likes of them.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.