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06-25-2005, 08:47 PM
| | Junior Member | | Join Date: Jun 2005
Posts: 4
| | | Charge offs
What is the name of your state? Arkansas
I have three credit cards that currently show charge offs on my credit report. But they still show a balance. I have recently moved and have not been contacted by anyone concerning these cards in over 6 months. So, my question is, what are the chances that a collection agency would pick up these accounts after they have been written off by the card companies? |
06-25-2005, 09:07 PM
| | Senior Member | | Join Date: Jun 2004 Location: Connecticut
Posts: 3,591
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Originally Posted by kelby What is the name of your state? Arkansas
I have three credit cards that currently show charge offs on my credit report. But they still show a balance. I have recently moved and have not been contacted by anyone concerning these cards in over 6 months. So, my question is, what are the chances that a collection agency would pick up these accounts after they have been written off by the card companies? | What are the chances? That depends. What was the date of the last activity for these cards? Activity would be a charge or payment. If they have just been charged off I have a guess that your DOLA is not very long ago, but I'll wait for your answer.
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06-25-2005, 09:14 PM
| | Junior Member | | Join Date: Jun 2005
Posts: 4
| | | Last activity was approx. 1 year ago. |
06-25-2005, 09:17 PM
| | Junior Member | | Join Date: Jun 2005
Posts: 4
| | | 2 of the cards reported the charge off this month and the other in February. |
06-25-2005, 09:17 PM
| | Senior Member | | Join Date: Jun 2004 Location: Connecticut
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Originally Posted by kelby Last activity was approx. 1 year ago. | In that case, the chances are extremely high that for the next 2 years or longer you will find yourself dodging CAs. The SOL for CCs (open accounts) in Arkansas is three years, so you are still responsible for these debts.
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I've no time for broads who want to rule the world alone. Without men, who'd do up the zipper on the back of your dress? - Bette Davis
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06-25-2005, 09:18 PM
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| | | Ok, thanks for your help. |
06-25-2005, 09:22 PM
| | Senior Member | | Join Date: Jun 2004 Location: Connecticut
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Originally Posted by kelby Ok, thanks for your help. | By the way, the fact that you moved is probably why you have not been contacted in six months. I would make sure they have at least your current address. If they decide to seek a judgment against you they will notify your by mail. You don't want them to win a default judgment against you in court just because they couldn't find you.
Good luck.
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I've no time for broads who want to rule the world alone. Without men, who'd do up the zipper on the back of your dress? - Bette Davis
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