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First of all let me thank everyone for taking the time to assist and keeping it professional. I just got slammed on another board for my decision to settle this with the creditor.

You are...

Yes I lived in KY when the loan was originated and lived there as recently as 4 years ago.

I am not sure what they provided but it was verified by the Credit Bureau enough times for me to think yes. Based upon that and the fact that they sent it to an attny I would bet they've got enough....

They've got it. What I overlooked is about 4 - 5 years ago I disputed every deraugatory item on my credit report. I had some fraud issues and didn't want anything overlooked so I just did mass...

Wow, I wish I had the gonads to tell them to stick it.

Unfortunately, for me the only idiot is myself for not understanding the difference between a charged-off debt and a discharged debt. As a...

You are correct it is designed to protect the debtor not the collector. My entire strategy is to prevent it from going to a collector which in this case is an attorney. Once it goes to an attorny I...

Ah, gotcha. It is in KY I am not sure what the law states, however, I would not be surprised if it is some archaic antebellum statute that allows the collector to use about any means possible...

Scott Gem - You are kidding right? See this link

Debt collection calls require validation within 5 days!

Scott Gem or Mr Yet last questions... I have offered a settlement with the OC is this viewed by the law as acknowledgement of the debt? Finally (and this is a stupid question so be warned) if...

My guess is that they think I am now rich and are not only going to try and collect the debt they claim I owe of 1800 but interest on it for the last 6.5 years. I really think I'm going to have heart...

You know that is an excellent point and I you are probably right. But what is ironic I do not have the money to pay. I simply have been very wise about what I've done since falling into financial...

I am not an expert and dealing with my own issues at present. But have you requested in writing they validate the debt? From what I understand if you request in certified and in writing validation if...

Yeah well trust me I understand the law now. Too bad I didn't before I picked up the phone to call them and ask them why they keep listing it on my report. Which is also interesting according to our...

Ouch! I charged this debt off 6.5 years ago with an officer from the credit union. In our conversation I made it clear to him that I would not be able to repay the loan or make installments for an...

Thank you for your response. I have asked verbally for them to validate the debt. I am just unsure if I should wait for them to sue me before requesting validation. Reason being I do not want to...

6.5 years ago an unsecured loan with a Credit Union in KY was charged off for 1780.00. I told them I simply couldn't pay it or installments due to a lay off and 7 months of unemployment. They charged...