Consumer Debt Collection: 101, page 3
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reply posted on 27-8-2008 @ 06:55 PM by Andrew E. Wiggin
reply to post by JoshNorton



Very good point Josh.

To further that, i forgot to add this:

Even if that debt belongs to your wife (or ex wife)
it depends on when the loan was signed for.

If a loan was agreed upon before you two got married - they CAN NOT come after you for it.

Don't let them trick you into it otherwise.


reply posted on 19-9-2008 @ 11:17 AM by darkelf
reply to post by Andrew E. Wiggin



I sent the debt validation letter on August 28, certified mail with a return receipt requested. I received the receipt but as of yet, have not heard from the collection agency. Thank you for the info.

The original debt was a credit card that I had cancelled due to both my husband's and my own unemployment and was paying off. Once I cancelled, the credit card company stopped sending monthly bills and it was up to me to remember to send a monthly payment. I was living in OK then ID at the time. In 2002, the account was turned over to a collection agency and the total was paid. I was living in CA at the time. Since then I have lived in NV and LA and am currently residing in TX.

Thank you for you well informed post and advice.
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