klhofbauer
Member
What is the name of your state?
Living in Arizona since June 2001 - not moving back to state of Florida
Account obtained & used in Florida
~~~~~~~~~~~~~~~
Had an account with Swiss Colony & "Ginnys" - sister stores.
Today received in the mail, a letter from some "attorney" in Pennsylvania by the name of "Thomas J. Russell, in Media, PA";
1. Experian: Ginnys not listed
2. Equifax:
Current Status: CHARGE-OFF
Type of Account : Revolving Credit Limit: $0
Date Opened: 10/1996
Date Reported: 01/2005
Date of Last Payment: 05/1999
3. TransUnion:
Pay Status: >Charged Off as Bad Debt<
Account Type: Revolving account
Date Opened: 10/1996
Date Closed: 01/1999
LAST PAYMENT sent to this company was May 11, 1999 - found my cancelled check.
QUESTIONS HELPPPPPP!! :?
1. I looked at lawdog to find out if this attorney is licensed in Arizona; however, I cannot find any reference, Is he legal here in AZ? Where do I look? I used: http://www.azbanking.com/Lists/CA_List.HTML#bmR
2. I cannot find the all of the needed SOL info for this type of account.
------>Would I use Florida? If so, would it be 4 years, and already expired, and I can use the SOL as my defense?
------>Would I use Arizona now? However, since we have a house, have no intent of moving back to Florida, why would I use an Arizona SOL?
3. Should I send a letter to this attorney? If so should I use a DV or SOL letter?
4. Finally - Why is this "date reported" listed as 1/2005? Because I am getting the credit reports and trying to clean up this mess? There's no activity on them, they have been charged off.. this is so confusing, I need some major help!
Thank you for reading through and offering assistance!
KimberlyH
PS: I tried creditinfo center - and the person who replied confused me more than ever. I have difficulty understanding and loss of short-term memory unless I have a detail "do this, do that", list to look at and keep re-reading. I'm sorry about that.
Living in Arizona since June 2001 - not moving back to state of Florida
Account obtained & used in Florida
~~~~~~~~~~~~~~~
Had an account with Swiss Colony & "Ginnys" - sister stores.
Today received in the mail, a letter from some "attorney" in Pennsylvania by the name of "Thomas J. Russell, in Media, PA";
What I know, as of today:
1. Experian: Ginnys not listed
2. Equifax:
Current Status: CHARGE-OFF
Type of Account : Revolving Credit Limit: $0
Date Opened: 10/1996
Date Reported: 01/2005
Date of Last Payment: 05/1999
3. TransUnion:
Pay Status: >Charged Off as Bad Debt<
Account Type: Revolving account
Date Opened: 10/1996
Date Closed: 01/1999
LAST PAYMENT sent to this company was May 11, 1999 - found my cancelled check.
QUESTIONS HELPPPPPP!! :?
1. I looked at lawdog to find out if this attorney is licensed in Arizona; however, I cannot find any reference, Is he legal here in AZ? Where do I look? I used: http://www.azbanking.com/Lists/CA_List.HTML#bmR
2. I cannot find the all of the needed SOL info for this type of account.
------>Would I use Florida? If so, would it be 4 years, and already expired, and I can use the SOL as my defense?
------>Would I use Arizona now? However, since we have a house, have no intent of moving back to Florida, why would I use an Arizona SOL?
3. Should I send a letter to this attorney? If so should I use a DV or SOL letter?
4. Finally - Why is this "date reported" listed as 1/2005? Because I am getting the credit reports and trying to clean up this mess? There's no activity on them, they have been charged off.. this is so confusing, I need some major help!
Thank you for reading through and offering assistance!
KimberlyH
PS: I tried creditinfo center - and the person who replied confused me more than ever. I have difficulty understanding and loss of short-term memory unless I have a detail "do this, do that", list to look at and keep re-reading. I'm sorry about that.
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