Easy loans with no credit

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I talked to them in march got a verbal settlement 15,000. Then other day I get a letter says that we have 60 days to pay or going to tack.

Only deal with them, though it is probably Veripro. Send them one final email to let them know you will only correspond in writing so you have a record of every conversation. What have you done in the last 10 years to try and fix this? Any settlement offers that you have sent them between 2010 and now? It was taken over by Veripro in 2010 we thought it was paid through a program 2nd mortgage forgives come to find out it was not and Veripro took over in 2010 the loan balance was 20,000.. Veripro we found out couple mths ago has it they said we owe 29978 now.. Is that even legal or right It was a 2nd mortgage that we stopped paying. It was taken over by Veripro in 2010 we thought it was paid through a program 2nd mortgage forgives come to find out it was not and Veripro took over in 2010 the loan balance was 20,000..

Veripro we found out couple mths ago has it they said we owe 29978 now.. Is that even legal or right What state do you live in? In my state, for example, they have 5 years from date of personal loans apply online default to take you to court, or it is outside SOL and they can no longer sue. Also, in my state, once that happens, the note becomes for all practical purposes unenforceable.... Before you do anything else, you need to check the laws in your state.

If you make a written admission of owing the debt or easy loans with no credit a written promise to pay in some states, it can restart that SOL clock at easy loans with no credit the beginning, so do not speak to them again until you check your laws. If it is indeed unenforceable, you can tell them to go pound sand. Your mileage WILL vary, again, as every state is different. Only deal with them, though it is probably Veripro. Send them one final email to let them know you will only correspond in writing so you have a record of every conversation. What have you done in the last 10 years to try and fix this? Any settlement offers that you have sent them between 2010 and now? States put laws on things like SOL so that the debt collector cannot sit around forever accumulating interest on a stale debt and then take action to collect.


Loan companies

Debt collectors are more likely to look upon that request as a total cease and desist, and stop all communication altogether. They have to protect themselves from violating the law, because they can get fined if they ignore a cease comm request. No law anywhere says they must only contact you in writing if you request it. OP also said that they believed the 2nd had been paid off long ago through an assistance program, and was not aware it was still outstanding until Veripro sent a letter recently. That would explain why OP did not make any efforts to settle the account. States put laws on things like SOL so that the debt collector cannot sit around forever accumulating interest on a stale debt and then take action to collect. Debt collectors are more likely to look upon that request as a total cease and desist, and stop all communication altogether. They have to protect themselves from violating the law, because they can get fined if they ignore a cease comm request.

No law anywhere says they must only contact you in writing loans instant if you request it. OP also said that they believed the 2nd had been paid off long ago through an assistance program, and was not aware it was still outstanding until Veripro sent a letter recently.

That would explain why OP did not make any efforts to settle the account.

Of course every state has their own SOL limitations. In this case, without bankruptcy protection, the debt and the lien could both remain. By letting them know to contact you only by mail, you are not telling them to stop contacting you. Your letter would need to be clear that you are willing to be contacted but only by mail. This protects the debtor by providing a record of all conversations. I dont want to have to rely on memory as payday loans with low interest rates to what I said or they said 6 months or 5 years earlier. A written offer would of been much more specific as to timeline and if the offer could be revoked. If I stopped bad credit loans guaranteed approval monthly payments paying my second mortgage and think that it is forgiven, I would want that in writing also.

OP waited 10 years and then found out it still exists.

SOL may still be the answer here, but by not getting anything in writing, OP has to take some of easy loans with no credit the blame too. They will lie, falsify, and do what ever to collect that debt. My debt was discharged, I never have to worry about that. I requested to be contacted by mail only and they send me a letter once or twice a year trying easy loans with no credit to enforce their lien. They make it clear in every letter that they are not attempting to collect a debt.

Its still a pain to have to deal with this, but I only have to deal with the lien, not the debt. Of course every state has their own SOL limitations. In this case, without bankruptcy protection, the debt and the lien could both remain. Mortgage debt usually does have a lien attached, but I addressed that in my post when I mentioned that the mortgage is only enforceable in some states to the same extent that the note is. The mortgage is the security interest that is easy loans with no credit the basis for the lien.

If the note is no longer enforceable, in some states, then the mortgage is not either. In my state, there are actually court rulings on the books that say that the mortgage is no longer enforceable because the SOL on the note has expired, and thus, the recording of the lien against the property can be removed. In Ohio, where OP lives, there has been some debate on this point. Either way, OP is pretty much safe from lawsuit on this, or I should say, if OP gets sued on this, they need to invoke expired SOL as an affirmative defense. In Ohio, easy loans with no credit promissory notes have a 6 yr SOL, and written contracts have an 8 yr SOL. So, those last two years, they would sue to foreclose based on the security interest alone--taking the property back, but not collecting any sums on the note itself.

By letting them know to contact you only by mail, you are not telling them to stop contacting you.