Hello,
First of thank you for any help you can give me.
I had perfect credit-absolutely perfect until 11/00. I got very ill and dropped off the radar, well till now. I am on Social Security Disability. I have only heard from one scavenger several years ago and I hung up on them. It is not right to scream at sick people. The illness has caused me memory loss so everything is very sketchy about this time. I know that I never paid anybody anything since 11/00 neither did I agree to anything in writing or otherwise.
Recently I talked with a lawyer about filing bankruptcy he said it would be silly since all my debts are SOL in AZ. Well I paid for a credit report, because getting a free credit report is next to impossible, and found that this guy has reopened this debt as of 12/06. Which means he intends to leave it on my credit report for another seven years and it was about to expire.
What I need is an idea of how to get this guy off my credit report. It was charged off by Exxon 11/00 and was for 2-300 dollars. I read somewhere in my readings that he can't do this reopen this debt like this. Also the can not use my credit report to punish me. All the credit people treat a person like trash and yet breaking the law means nothing to them.
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