So I got a letter in the mail for a bottom feeder collection agency claiming I owed them a large sum of money for an account that was opened about 16 years ago and date of last activity was probably 13-14 years ago. It was so old it aged off my credit report in like 2004. I called the original creditor who located the account, but said they had no information about DOLA and that it was transferred to an internal collection. Internal collection told me that it was transferred to Cap 1 in 2000 before my call was disconnected. So I verified it was old, old, old....way out of statute of limitations for collection.
Googled the bottom feeders and found out that they are all over the net as scam artists trying to rip people off for debts way past SOL. Anyway, called bottom feeders, told them that this debt was included in BK and I'd fax them the discharge. The guy said he wanted my schedule of creditors. I told him to contact the BK court.
So, the problem? I didn't list original creditor b/c I'd forgotten about the debt and it wasn't on my credit report. Cap 1 is listed, but for a different account.
So, I'll send the discharge and see what happens. To re-open the case is $260 + $26 to amend, which is $300 I don't have since I'm unemployed. And from what I hear, re-opening would probably be denied since it was no asset.
Part of me wants to validate the debt since I no longer have older credit reports that show all the info about the original debt, just to cover my butt. Because I wouldn't put it past them to modify the dates to put DOLA after BK. I honestly don't know the original amount, or DOLA exactly, other than it was long, long ago when I last made a payment to original creditor.
Any advice would be appreciated. Ugh...I thought all this was over.....
Googled the bottom feeders and found out that they are all over the net as scam artists trying to rip people off for debts way past SOL. Anyway, called bottom feeders, told them that this debt was included in BK and I'd fax them the discharge. The guy said he wanted my schedule of creditors. I told him to contact the BK court.
So, the problem? I didn't list original creditor b/c I'd forgotten about the debt and it wasn't on my credit report. Cap 1 is listed, but for a different account.
So, I'll send the discharge and see what happens. To re-open the case is $260 + $26 to amend, which is $300 I don't have since I'm unemployed. And from what I hear, re-opening would probably be denied since it was no asset.
Part of me wants to validate the debt since I no longer have older credit reports that show all the info about the original debt, just to cover my butt. Because I wouldn't put it past them to modify the dates to put DOLA after BK. I honestly don't know the original amount, or DOLA exactly, other than it was long, long ago when I last made a payment to original creditor.
Any advice would be appreciated. Ugh...I thought all this was over.....
Comment