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richlevy · 01-11-2006, 05:15 PM

Hard to say without details as to what the debt is from and how old it is. If it was before last November, they may have waited deliberately until the new bankruptcy laws were in.

If it's a legitimate debt, you can negotiate. At a minimum, you can get them to drop the interest. Unfortunately, with the new bankruptcy laws, you have lost a lot of leverage.

I would defintely do some Internet research on your state laws as well as get general advice about 'real world' practices.

Here are a few quick links.

State Debt Collection Laws and Publications

Ohio Legal Services - Debt Collection

Good luck. I remember hearing or reading someone complaining about Capital One making a mistake and being real pit bulls about a nonexistant debt or fee.

01-11-2006, 05:15 PM	#4
richlevy King Of Wishful Thinking Join Date: Jan 2001 Location: Philadelphia Suburbs Posts: 6,669	Hard to say without details as to what the debt is from and how old it is. If it was before last November, they may have waited deliberately until the new bankruptcy laws were in. If it's a legitimate debt, you can negotiate. At a minimum, you can get them to drop the interest. Unfortunately, with the new bankruptcy laws, you have lost a lot of leverage. I would defintely do some Internet research on your state laws as well as get general advice about 'real world' practices. Here are a few quick links. State Debt Collection Laws and Publications Ohio Legal Services - Debt Collection Good luck. I remember hearing or reading someone complaining about Capital One making a mistake and being real pit bulls about a nonexistant debt or fee. __________________ Exercise your rights and remember your obligations - VOTE! I have always believed that hope is that stubborn thing inside us that insists, despite all the evidence to the contrary, that something better awaits us so long as we have the courage to keep reaching, to keep working, to keep fighting. -- Barack Hussein Obama Last edited by richlevy; 01-11-2006 at 05:17 PM.