What is the name of your state (only U.S. law)? Hawaii
Theoretically....
I had a credit card in Oregon. My date of 1st delinquency (on the credit reports) is 7/2009, but the date of last payment is 3/2009 (can someone please explain the difference, and which date determines the SOL?).
I moved out of Oregon in 2010. (Does this stop the SOL clock?).
As far as I can tell, both states have a 6 year SOL, so I'm basing off of that. The account was sold/transferred, currently at Midland.
About 3 weeks ago, I had a very confusing/harassing conversation with a debt collector. The guy who called confirmed my name, then transferred me to another guy. (Note: neither spoke english well, I had bad reception and was having a very hard time understanding the whole thing, and sadly I'm too polite to just hang up). I never figured out who called, the guys name, or even the company who called. And unfortunately due to a power shortage, I didn't get a chance to record the number.
The guy said I owe money and to "show good faith on (said) debt" I need to pay. I told the guy I was paying off other debt, missed work due to illness, had no $ and couldn't pay anything. I don't think I confirmed it was mine, just said whatever he was calling about I couldn't pay. He harassed and pressured me to make ANY payment ("In back of.... can you pay $25? No...? Ok, then keep in back of... $5?" honestly, that was what he was saying, CONFUSING).
I finally said outright to send me a letter of whatever offer he had. That was all I could think of to do in light of the fact that I couldn't understand the guy at all. He confirmed address and finally stopped harassing me. Now, 3 weeks later, there is still no letter in the mail.
Considering the only thing left on my reports, I have to assume that is what the call was about. And since I've never received any correspondence I can't even confirm that much!
Now, my main question: IF it was for that debt, would that vague/harassing (I stress that because I felt extremely harassed and pressured) phone call renew my SOL? If my SOL is expiring soon (based on the Date of Last Payment), can I just ignored the whole mess and let the SOL run out? If I finally do get a letter, should I give any response (like the confirmation that whatever they called about is mine - I know there are sample letters online), or would even that renew SOL?
I know this is a lot of questions, but I've done hours of research and still no closer. I understand I can call a lawyer, or even one of those debt help hotlines, but I'm leery about doing that. Even a single piece of advice or knowledge would be MUCH appreciated.
Thank you!
Theoretically....
I had a credit card in Oregon. My date of 1st delinquency (on the credit reports) is 7/2009, but the date of last payment is 3/2009 (can someone please explain the difference, and which date determines the SOL?).
I moved out of Oregon in 2010. (Does this stop the SOL clock?).
As far as I can tell, both states have a 6 year SOL, so I'm basing off of that. The account was sold/transferred, currently at Midland.
About 3 weeks ago, I had a very confusing/harassing conversation with a debt collector. The guy who called confirmed my name, then transferred me to another guy. (Note: neither spoke english well, I had bad reception and was having a very hard time understanding the whole thing, and sadly I'm too polite to just hang up). I never figured out who called, the guys name, or even the company who called. And unfortunately due to a power shortage, I didn't get a chance to record the number.
The guy said I owe money and to "show good faith on (said) debt" I need to pay. I told the guy I was paying off other debt, missed work due to illness, had no $ and couldn't pay anything. I don't think I confirmed it was mine, just said whatever he was calling about I couldn't pay. He harassed and pressured me to make ANY payment ("In back of.... can you pay $25? No...? Ok, then keep in back of... $5?" honestly, that was what he was saying, CONFUSING).
I finally said outright to send me a letter of whatever offer he had. That was all I could think of to do in light of the fact that I couldn't understand the guy at all. He confirmed address and finally stopped harassing me. Now, 3 weeks later, there is still no letter in the mail.
Considering the only thing left on my reports, I have to assume that is what the call was about. And since I've never received any correspondence I can't even confirm that much!
Now, my main question: IF it was for that debt, would that vague/harassing (I stress that because I felt extremely harassed and pressured) phone call renew my SOL? If my SOL is expiring soon (based on the Date of Last Payment), can I just ignored the whole mess and let the SOL run out? If I finally do get a letter, should I give any response (like the confirmation that whatever they called about is mine - I know there are sample letters online), or would even that renew SOL?
I know this is a lot of questions, but I've done hours of research and still no closer. I understand I can call a lawyer, or even one of those debt help hotlines, but I'm leery about doing that. Even a single piece of advice or knowledge would be MUCH appreciated.
Thank you!
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