I used to have a cellphone through T-Mobile, which was under contract from April 2007 to April 2009 (2-year contract). Due to massive unexpected "over minutes" charges, I quit paying back in September of 2008, and was also assessed a huge "early termination fee" as well. The first missed payment was due at the end of September 2008, however the Date of First Delinquency shown on my credit reports is 10/2008.
Now, the account has been sold to a junk debt buyer called Midland Funding, LLC, which is "blowing up" my parents' home phone with robo-dialed calls looking for me. My parents would never give out any information about me, but I am sure they are getting tired of having to get up and answer the phone to hear this garbage. I live in a different state, more than 2000 miles away, however since my phone number is unlisted, this is my last (working) phone number of record.
I live in Arizona, and the statute of limitations here is 3 years for oral agreements, 6 years for written contracts, 6 years for promissory notes, and 3 years for open-ended contracts. I would like to know, for purposes of SOL how a cellphone account is treated.
Also, I just now received the first written communication from these people, which claims to be a "settlement opportunity" offering to let me settle this alleged debt of $588 for 10% off (i.e. me paying 90% of the balance) so I am thinking about whether it is worthwhile to DV these people, or whether I am better off to just ignore it. I have no intention of paying a penny towards this "debt" however I don't want to be sued, and have my hand forced into bankruptcy just yet.
Thank you for any advice on this matter.
Now, the account has been sold to a junk debt buyer called Midland Funding, LLC, which is "blowing up" my parents' home phone with robo-dialed calls looking for me. My parents would never give out any information about me, but I am sure they are getting tired of having to get up and answer the phone to hear this garbage. I live in a different state, more than 2000 miles away, however since my phone number is unlisted, this is my last (working) phone number of record.
I live in Arizona, and the statute of limitations here is 3 years for oral agreements, 6 years for written contracts, 6 years for promissory notes, and 3 years for open-ended contracts. I would like to know, for purposes of SOL how a cellphone account is treated.
Also, I just now received the first written communication from these people, which claims to be a "settlement opportunity" offering to let me settle this alleged debt of $588 for 10% off (i.e. me paying 90% of the balance) so I am thinking about whether it is worthwhile to DV these people, or whether I am better off to just ignore it. I have no intention of paying a penny towards this "debt" however I don't want to be sued, and have my hand forced into bankruptcy just yet.
Thank you for any advice on this matter.
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