I received a letter on 4/28/05 offering me to have an $1,855.00 old Discover debt transfered to a Majestic Visa Account. I doubt that this is mine, but I did have a Discover credit card joint with my husband a long time ago. He filed BK ch7 and it was discharged 11 years ago. I have been trying to contact the # on the letter of 1-888-516-6534 so they could provide proof that it was mine. They told me to callback on Monday. When I did, they told me to call 1-866-417-2591. I called it repeatedly but only getting an automated response wanting me to enter my account # or SS#. There is no account # listed on the letter and I'll be damned if I'm going to enter my SS# so then I hear the automated system telling me that they are busy... Call back later.
I know that they have 30 days to prove that this debt is mine but how will they know if I can't get thru to them? I guess I will have to send a certified dispute letter.
But does anyone know the STATUE OF LIMITATIONS for California? Please advise. I finally started getting my credit up and now I have to deal with these bozos!
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