CA is confusing

[longsally111]

What is the name of your state? South Carolina
I recieved a letter from a CA called Northland Group. They were asking for money from a Credit card debt that is past the SOL. I have read enough on this forum to know that you do NOT talk on the phone to these people. I ignored the letter they sent telling me that I had 2 payment options. Now today, I have a letter stating that my scheduled payment is past due. I am not sure how I have a scheduled payment as I have not spoken with anyone or agreed to anything. My husband said I should just send them a C&S letter and the letters should stop.
He stated that since it is an unsecured debt and there is no wage garnishment in this state, all they can do is go to court and my defense would be that the SOL has run out. Is it legal for them to schedule payments for me and write to me and tell me when they are due when I did not set up anything with them?

 

[Zigner]

Is it legal for them to schedule payments for me and write to me and tell me when they are due when I did not set up anything with them?

Of course it is - and you have the right to ignore it. Or, to follow any other options you may wish to follow.

 

[longsally111]

huh?

what options? Shouldn't I ignore these people?

 

[TigerD]

Shouldn't I ignore these people?

Isn't your ignoring you debts the reason you are having so many problems?

You should take care of and handle the matter in a responsible manner.

 

[longsally111]

really now

ok DC, that is not the question. I did not post so you can berate me about my debts, neither did anyone else. I can assume from your answer then that I should ignore these people since the sol has run out.

 

[wayne-o]

ok then...here is the answer you want to hear....

sure go ahead ignore......and when they sue you....you should ignore the summons too. However it will be hard to ignore when they attach your bank account and garnish your wages.

p.s. Im not sure they can garnish your wages in S.C. but they can still make life difficult when they win their judgement

 

[moburkes]

Go to www.creditboards.com. Look at the credit forum. You will see sample letters that will tell you how to respond. You don't IGNORE the creditor. You might soon find yourself ignoring the lawsuit they've filed. IF you get to the point where one is filed, you use the SOL as your affirmative defense.