billdiana (November 30, 1999 at 12:00 am)

actually if it has been PURCHASED by a 3rd party...they have every right to sue unless its beyond 7 yrs old. See Capital 1's public records/financial statements. Legal fees are usually 1100 to 1800 bux

TSilverhawk (November 30, 1999 at 12:00 am)

You sound cool and like you are to good for your job. I hope you are able to find a great position in another company doing what you enjoy doing.

TSilverhawk (November 30, 1999 at 12:00 am)

It's not about not paying your bills. Its about unfair debt collection practices, lies and deceit, trying to collect on debts that aren't owed. Its about fraud.The Law Office of Paul J Coleman tired to collect a debt from me I never owed. I found the attorney general had fined them 5,000 for unfair collection practices. I hired an attorney.

andkno (November 30, 1999 at 12:00 am)

And also, a "past statute of limitation" account, the one with more than seven years old (different in some states)doesn't mean that the account went away, It only means that you can't get sue for that debt, though the account is still collectible by a collection agency, those are the two kinds of account that a debt collection agency works with

andkno (November 30, 1999 at 12:00 am)

actually you're wrong, do you think that if the original creditor get the acct paid in full USA will be as bad as it is right now?, the truth is that every single person who gets a debt and don't pay for it is just an irresponsible person, a "charged off" account in your credit bureau doesn't mean that you don't have to pay the bill, it means that the account is not longer collectible by the original creditor so they work with a collection agency to recover the debt, and that's completely legal!

RetroDystopia (November 30, 1999 at 12:00 am)

THE TRUTH IS: YOU DO NOT HAVE TO PAY YOUR BILLS! That is correct. Once your debt is written off as "bad debt" the original creditor gets paid IN FULL through tax loopholes.People that work in debt, credit card, asset recovery etc, are fine well meaning people, but they work in the name of SLAVERY and they should be treated with contempt and extreme prejudice.

z073446 (November 30, 1999 at 12:00 am)

Owtang illustrates an ingnorant mentality some blissfully cling to: ONLY a collector wld say, "pay yr bills" and we dn't have to pay them. I cldn't possibly b someone working down 25k+ of debt herself, right Owtang?! Credit contracts have a section stating that, should the account default, and the original creditor passes it to an agency for collection, you agree to pay that agency the amount owed. So it is stil VERY SIMPLE, if you want to prevent/stop this, KEEP/START PAYING YOUR BILLS!

owtang (November 30, 1999 at 12:00 am)

stop posting this insane message, you debt collector maggot. go get a real job and stop trying to act like you know law when you are just one of the bottom feeder maggot leeches yourself. the majority of debt collection from agressive companies/attys occur OUTSIDE of the law but debtors don't know their rights are afraid of the legal process. my advice to all of my clients is never ever talk to any debt collector that is not the OC and never acknowledge a scumbucket exists or pay a penny.

z073446 (November 30, 1999 at 12:00 am)

I understand why everyone is buying into this. Many of us are in debt and we want someone to tell us its ok not to pay our bills. But we know that its not ok. We know that we sign contracts agreeing to pay later for goods and services recieved. Then later comes and we can't adhere to the agreement. The creditor, however, can and does. This results in everything from letters to liens and should come as no surprise because WE signed for it. Best way to stop a bill collector, PAY YOUR BILL!

jinkasima (November 30, 1999 at 12:00 am)

K i'm not claiming to be a debt collector, and where I work, we have been trained that if a debtor verbally or in writing request no contact, then we can not contact them again. Only to let them know our intentions to sue them. That's just how we were trained at the agency I work at.