Finding a Collections Debt

[User317]

What is the name of your state? Oregon.

I recently had some hardship from being laid off and some bills went to collections. I have called the companies and set up payment plans. However, there is still one that I cannot find. It was financed through PayPal. It was a pay-later sort of thing, and I was making monthly payments, until I couldn’t. It completely disappeared from PayPal. So I thought it must be in collections. I called PayPal, they said they couldn’t see any info. I checked my credit report to find any company that it could have gone to, but I found nothing I couldn’t account for. Is there any way at all to find out where this debt went so that I can pay it off?

 

[quincy]

What is the name of your state? Oregon.

I recently had some hardship from being laid off and some bills went to collections. I have called the companies and set up payment plans. However, there is still one that I cannot find. It was financed through PayPal. It was a pay-later sort of thing, and I was making monthly payments, until I couldn’t. It completely disappeared from PayPal. So I thought it must be in collections. I called PayPal, they said they couldn’t see any info. I checked my credit report to find any company that it could have gone to, but I found nothing I couldn’t account for. Is there any way at all to find out where this debt went so that I can pay it off?

Is the debt showing up on your credit reports?

If there is a creditor out there somewhere that is not being paid, it is probably a good bet that they will find you soon enough.

 

[adjusterjack]

Is there any way at all to find out where this debt went so that I can pay it off?

I'm a little surprised that you did business with somebody or some company without knowing who or where they are.

What is the balance that you owe?

You'll just have to wait until they get in touch with you.

If it takes them more than 6 years from the date of default, you're home free.

 

[PariD]

I have working in collections and specializing in collection litigation for over a decade. I wouldnt worry about it until they contact you. If it is a small amount it is unlikely that they would file litigation as it is expensive. If it is a large amount you might think about talking to a bankruptcy attorney but i would wait until you are contacted regarding the debt. Also keep in mind that they can only file litigation within the allowed statute of limitations. I am not sure what it is for Oregon so you will have to look that up. Good luck.

Pari

 

[quincy]

As a note: This thread is from October 15, 2024, and the original poster has not been seen back on the forum since October 16, 2024.

 

[zddoodah]

Why are you resurrecting a 3-month old post?

Also keep in mind that they can only file litigation within the allowed statute of limitations.

That's not true. The statute of limitations is an affirmative defense. If a plaintiff files suit after the expiration of the SOL, the defendant must allege the SOL as a defense in his/her/its responsive pleading, and the burden of proving that the SOL has expired is on the defendant. The SOL doesn't prevent a lawsuit from being filed.

 

[quincy]

Why are you resurrecting a 3-month old post?




That's not true. The statute of limitations is an affirmative defense. If a plaintiff files suit after the expiration of the SOL, the defendant must allege the SOL as a defense in his/her/its responsive pleading, and the burden of proving that the SOL has expired is on the defendant. The SOL doesn't prevent a lawsuit from being filed.

“PariD” resurrected several old threads and his/her posts were reported and the threads were sent back to the archives. I am not sure how this PariD post survived.

Whatever happened here, the original poster has not returned to the forum since first posting so additional advice is probably no longer needed.