S
stallion113
Guest
What is the name of your state? Georgia
I had 3 credit cards with Capitol One, all were charged off about 3 years ago.
I have been getting harrased by several collection agencies that they allegedly hired in this matter.
While I was at sea, they sent a letter threatening to have me kicked out of the Navy if I did not pay the balance due.
My mother handles my bills while I'm at sea. My mom got scared and paid one of the bills off. Now I have been served court papers for one of the other cards with a balance of almost $2,000. This happened after I sent them a letter requesting they cease communicating with me (they would call after 10 P.M. and before 8 A.M., 7 days a week, 10 or more times a day).
I have been told by a credit counsulor that I do not legally have to pay them any money since the accounts in question have been charged off, and I have not reopened the credit card accounts (intentionally or unintentionally) as I have refused to communicate with the collection agency in any way shape or form.
Where can i find the exact legal wording for my statement to the court that will support my position?
I had 3 credit cards with Capitol One, all were charged off about 3 years ago.
I have been getting harrased by several collection agencies that they allegedly hired in this matter.
While I was at sea, they sent a letter threatening to have me kicked out of the Navy if I did not pay the balance due.
My mother handles my bills while I'm at sea. My mom got scared and paid one of the bills off. Now I have been served court papers for one of the other cards with a balance of almost $2,000. This happened after I sent them a letter requesting they cease communicating with me (they would call after 10 P.M. and before 8 A.M., 7 days a week, 10 or more times a day).
I have been told by a credit counsulor that I do not legally have to pay them any money since the accounts in question have been charged off, and I have not reopened the credit card accounts (intentionally or unintentionally) as I have refused to communicate with the collection agency in any way shape or form.
Where can i find the exact legal wording for my statement to the court that will support my position?