Comments on: Can a Creditor Collect on Discharged Debt?

By: deven

deven — Wed, 07 Dec 2011 15:07:36 +0000

the state of nj rubber stamp any and all debts in favor of credtors even when its fraud
someone must look at the conduct of nj judges that refues to give due process
of law to the people,its time to stop the banksters criminals and so”called”colection agency
that are stealing from people by way of fraud

By: Blondetwit

Blondetwit — Fri, 14 Oct 2011 22:23:02 +0000

Here’s a tactic I’ve used, my dad taught it to me and it’s worked EVERY time. When making a settlement payment, on the back of the check in tiny but LEGIBLE writing, write something like this: Acceptance of and/or endorsement of this check constitutes FULL & FINAL PAYMENT of any and all debts associated between the Grim Reaper and Joe Schmoe. Only one time did a company still try to sue after this, so I let them. Having copy of canceled check in court, the judge declared that the creditor was “perhaps caught with their pants down”. I would advise to NEVER pay without such wording on the back of the check.

By: Beth

Beth — Fri, 26 Feb 2010 01:44:41 +0000

I just received a call from a collection agency trying to collect a debt from 1991 and discharged in 1995 in my husbands name. I told them good luck. You mentioned the statute of limitations in a previous response. The loan originated in Virginia and we now reside in Florida. What are the laws for these states?