Merchants credit guide send me a settlement letter for 47.13 for an account i supposingly owe 94.25. So me like a dumby send in a check march 8th for this amount and requested a reciept. Check has not cashed and no reciept nothing.
I get a letter in march from assetcare saying i owe 94.25 which happens to be the same account number as merchants. On the back of the letter from assetcare i seen that its for appl account from a house i lived at in 1999 apparently it must of been a final bill i never took care of its now 2007 almost 8 years later. They can not collect on this right? Whats the staute of limitaions in pennsylvania to collect a debit? What can i do who can i call or make a complaint to?
What about the check thats out there for 47.13 that is not cashed yet since last month? If i do a stop payment then i am charged $30.00 should i send these companies a letter telling them i do not have to pay this bedt its to old and not to cash the check? How should i handle this please anyone help?
Also what about a company who has had something on your report that should not of ever been there as it was never a unpaid debt. I have the proof of the check front and back shows it was paid the same day the check was written? What are my rights with this?
And same company nco also has an account that does not or never exsisted on my credit report for about 4 years there own reps told me its not a valid account? I have contacted them and sent the proof as well to the 3 credit agencies nco has not gotten back to me?
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