collectible debt or not?

[jubilee]

What is the name of your state? pa

this was what Experion reported for this debt...

Status: bank of america

Account charged off/Past due 150 days. $4,871 written off. $4,355 past due as of Nov 2001.

Account closed at credit grantor's request.

** credit reports show no other instituition picking up this debt, only the Bank of America
record, posted above...

So where did the Hecker [and other NJ] firm get my info to make the "claim" they own the debt now - do they even own it or are they scamming me here? Can these people get info from our credit reports and manipulate the info to get people to think that a debt that was written off is now in their hands? It doesn't indicate anyone other than BOA on the current credit report, now or ever.

 

[seniorjudge]

What is the name of your state? pa

this was what Experion reported for this debt...

Status: bank of america

Account charged off/Past due 150 days. $4,871 written off. $4,355 past due as of Nov 2001.

Account closed at credit grantor's request.

** credit reports show no other instituition picking up this debt, only the Bank of America
record, posted above...

So where did the Hecker [and other NJ] firm get my info to make the "claim" they own the debt now - do they even own it or are they scamming me here? Can these people get info from our credit reports and manipulate the info to get people to think that a debt that was written off is now in their hands? It doesn't indicate anyone other than BOA on the current credit report, now or ever.

Standard answer on expired SOL and/or validation and/or dispute letters. There are thousands of posts similar to yours on this forum so I have prepared a standard answer.

SOL (Statutes of limitation are DEFENSES to lawsuits; they do NOT provide a method to stop someone from suing you. This defense means when they sue you, you answer with the defense that it is barred by the SOL.)

http://www.bcsalliance.com/y_debt_sol.html

http://www.fair-debt-collection.com/Disputing_Collections/SoL-dispute-letter.html


Validation letter samples you can get at :
www.creditinfocenter.com
and www.creditboards.com

Make sure you ask for VALIDATION (and do not accept verification).


Disputes: You can write a letter of dispute to the three credit reporting agencies.

Go this website to find instructions and samples for how to dispute: http://www.creditinfocenter.com/creditreports/

Sometimes errors are easy to remove and sometimes they stick like glue. It is inexpensive to try and not difficult.

I am NOT a creditor-debtor lawyer; stand by for further help.

I am NOT vouching for the accuracy of these websites!

Debt settlement:

https://forum.freeadvice.com/showthread.php?t=293829

 

[Debt Guy]

Is the debt collectible?

Yes. You still owe it and the owner has the right to ask you to pay.

However, from what you have posted, it appears to be out of statute in PA. That means you have an affirmative defense to any lawsuit and can have the lawsuit dismissed. Do not ignore any summons you receive since you must file the proper response with the court.

Did BofA sell the debt?

Can't tell.

Does the law firm you mentioned have the right to collect the debt?

Can't tell. You should send a request for validation if you have that concern.

From your questions, it is clear that you do not understand how debt collection works. Rather than pester people here to hold your hand, why don't you use the search function and spend some time reading and educating yourself? Your questions have been answered about a million times.

 

[jubilee]

thanks for the information, appreciate it.