This is at least 7 year credit account (8-10 years in reality). Here is the story, contract was signed by my fiance 8-10 years ago for credit. On income, she put 'Social Security Disabilty'. When I got with her, she was in debt to the gills. I worked with most to stop interest charges and close accounts even though there was a balance and paid them off. I explained she was on Disabilty and it was a mental disability. As I said, most were very cooperative. I noticed one was getting higher every month, over $125 without card being used. I continued making generous payments to cut-away at the balance. At same time I was disputing all the bull service charges they were adding. 4-6 months of this, I stopped paying till they start working with me. After 1.5 years of useless debating over the phone (in that time a collection agency bought it), I sent a certified letter that I want all communications to the matter to stop and decease for I (fiancee, not I) will not discuss the dispute anymore. I welcome you to excersise your right to take legal action. Again, 8 years ago, obvious I have no proof to anything in 2006. What do I say/do at court? My facts are this:
A) Can someone on Disabilty even be bined to a credit contract with creditor knowing the fact?
B) Isn't there a time period they have to take legal action?
C) Would they even have the statements showing transactions after 8 years?
Myself, this is extortion, using intimidation and fear to collect money. On copunty records, status is:
04/24 Praecipe for ordinary mail filed
04/24 Praecipe for Alias Summons filed
What does that mean?
Thanks
Kevin
Ohio
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