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Old 01-11-2006, 05:15 PM   #3
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.
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Last edited by richlevy; 01-11-2006 at 05:17 PM.
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