prpledrms23
New Member
I currently live in San Diego, California, however, the debt was incurred in Albuquerque, New Mexico.
My last date of payment was May 2, 2000. I am curious about the SOL. Late last year I had ever intention to pay this off so I called Discover card and said I had a balance of zero. I asked, are you sure cause I do owe this money. They said yes, never said anything about it going into collections or charged off. So about a month ago I start getting these calls from three different people just saying their first name and numbers. No last name or company they work for. I dont return calls unless I know who you are or who you work for, so they finally got a hold of my boyfriend and told him it was a debt from Discover. Yeah, I never once received anything in the mail from anyone either!! Not even Discover.
I have every intention to pay this off, however, when I talked to him he wanted me to defer on my car loan ( I told him hell no!) Asked me to take out a loan or my b/f take out a loan or borrow money from family. I told him no as well that I will pay him 200.00 a month, take it or leave it. He demanded that I pay at least 600.00 a month for 6 months. I straight up told him I can not afford it and will not pay it. He said I can pay 200.00 a month but they will still start an investigation against me and send me to court. I have read all the acts and state laws and such but am still unsure of exactly what to do. I was told my SOL has run out and can send them a letter telling them to quit contacting me and they can't collect on a "time barred debt" But I dont know because it was incured in NM and at my last payment I joined the military and have been moving around a lot and have been over seas in two separate wars. Also, do you know of the Soldiers and Sailors Act?? I have done research and demanded that he knock my interest rate down to 6 % as I am entitled to but he played dumb. I really need your help!!! Layman terms are always appreciated. Thanks!
Oh yeah, I am currently waiting for a something in the mail from them. That's another story!
My last date of payment was May 2, 2000. I am curious about the SOL. Late last year I had ever intention to pay this off so I called Discover card and said I had a balance of zero. I asked, are you sure cause I do owe this money. They said yes, never said anything about it going into collections or charged off. So about a month ago I start getting these calls from three different people just saying their first name and numbers. No last name or company they work for. I dont return calls unless I know who you are or who you work for, so they finally got a hold of my boyfriend and told him it was a debt from Discover. Yeah, I never once received anything in the mail from anyone either!! Not even Discover.
I have every intention to pay this off, however, when I talked to him he wanted me to defer on my car loan ( I told him hell no!) Asked me to take out a loan or my b/f take out a loan or borrow money from family. I told him no as well that I will pay him 200.00 a month, take it or leave it. He demanded that I pay at least 600.00 a month for 6 months. I straight up told him I can not afford it and will not pay it. He said I can pay 200.00 a month but they will still start an investigation against me and send me to court. I have read all the acts and state laws and such but am still unsure of exactly what to do. I was told my SOL has run out and can send them a letter telling them to quit contacting me and they can't collect on a "time barred debt" But I dont know because it was incured in NM and at my last payment I joined the military and have been moving around a lot and have been over seas in two separate wars. Also, do you know of the Soldiers and Sailors Act?? I have done research and demanded that he knock my interest rate down to 6 % as I am entitled to but he played dumb. I really need your help!!! Layman terms are always appreciated. Thanks!
Oh yeah, I am currently waiting for a something in the mail from them. That's another story!
