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keyzbreeze | I had a credit card which was " Charged off as bad debt, and purchased by another lender.? |
Now a creditor wants to collet the debt, even though my credit report shows it paid. Do I need to pay off the creditor? |
 |
 
jenny r
|
If your credit report shows its paid, then you most probably need not pay. Contact a debt counselor to be certain.
How to Hire a Debt Counselor?
http://www.askaquery.com/Answers/qn1584.html |
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Norm
 |
What you wrote here does not show it was paid, but more information is needed to determine if you are still liable for the debt. |
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Ananke402
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you need more info, but if your credit report shows paid, it is the burden of the collector to prove you owe money. find info on firstgov.gov as far as credit info as well as federal and state laws concerning credit debt. |
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helixburger
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You need to pay the bill collector. They bought the "bad accounts" at a discount, and are in the business of collecting them. The credit card co figures those debts are too much bother. They sell them at a discount to get some money, and take a loss in taxible income. The company who buys them must collect more than they paid to make a profit. If you pay them, your bad charge comes off of your credit statement (check and make sure this is done.) Your credit score will go up. Unpaid loans will make it very rough for you, credit score wise, and effect you in many ways. Make a plan and pay something, with a credit counsellor, who may get your debts reduced.
Call if a payment will be late or if you can't pay. |
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The Advocate
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I would say I do not know anything about it ! |
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TMLeaf Fan
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The lender who "bought" the debt is now looking to get the money owed. There are companies who buy bad debts at a discount and then chase down people for the full amount. This is how they make money. I would suggest, unless you have written proof that the debt has been settled and you are no longer liable, you will need to pay up. |
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Tamborine
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Probably. It sounds like they wrote you off as uncollectable and sold the debt to another creditor.
You can find more information about debt issues at www.lighthousecredit.org |
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diogenese19348
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Unless you really paid it off, yes.
It is marked as paid off by the first lender because they sold it to the second. If you did really pay it off, consult a lawyer. |
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evanlah
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yea, if it was charged off, charge offs, doesnt mean paid. it may show paid, by original granter, because they sold the debt to a third party. but it will follow you. and if it gets sold again and again, this debt could follow you for many years to come. |
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You'll Never Outfox the Fox
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It is still owed, legally. The debt will just start showing up on your credit report as an additional unpaid bill, and if you don't pay it, you'll have two reported debts instead of one.
You didn't get off any hook with the Charged off label....it is not a good thing for a creditor to see, at all, and will detrimentally affect your score for quite some time.
Purchasing other lender's bad debt is actually a pretty profitable venture, that's why creditors do that. They "sell" what you owe to another person for pennies on the dollar. That way, they at least see something instead of nothing. The new owner of your debt may offer you a little more flexibility (they are basically gambling that you will pay back enough to recoup their investment), or they may sound meaner than any you've dealt with before. |
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Keyana W
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Charged off doesn't mean paid. I just got out of debt 3 months ago, I had a credit card also that was "charged off". The next creditor who took my account tried to sue me in court. I got a lawyer from my local court house website. My lawyer told me that the original company who issued me the credit card had 2 years to sue me. It had been over 6 years. The new creditor had to drop the case. I now owe nothing. |
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