dslreports logo
site
 
    All Forums Hot Topics Gallery
spc

spacer




how-to block ads


Search Topic:
uniqs
13
share rss forum feed

JoelC707
Premium
join:2002-07-09
Lanett, AL
kudos:5
reply to tdumaine

Re: General info needed about Statute of Limitations

OK then, show me where I said I wasn't planning on paying back my debt. I want "my own words", not some assumption from you about this being about me or you just assuming that because I'm asking I must be guilty.


tdumaine
Premium
join:2004-03-14
Seattle, WA

said by JoelC707:

OK then, show me where I said I wasn't planning on paying back my debt. I want "my own words", not some assumption from you about this being about me or you just assuming that because I'm asking I must be guilty.

No, you never said you werent planning on paying them back in those words. You asked about the statute, without any details at all. Then when you did give some details, it's about you not being able to pay and asking about the statute of limitations.

The only reason to ask about the statute of limitations and not being able to pay (like i said, voluntarily or involuntarily), what other assumption is there?

You are not offering any other reason why you would be asking about the statute and not being able to pay. You are getting very defensive about it (when you really shouldnt be) unless that is a correct assumption.

If it is an incorrect assumption, feel free to correct me. Correcting me is not just saying "no thats not what it is just because i say so". Correcting me is not just saying other things.

Correcting me is giving the info, or at the very least saying its a personal reason you do not wish to disclose that, but then that just makes the assumption have even more appearance of being correct.

Any other questions?


silentlooker
Premium
join:2009-11-01
reply to JoelC707

said by JoelC707:

OK then, show me where I said I wasn't planning on paying back my debt. I want "my own words", not some assumption from you about this being about me or you just assuming that because I'm asking I must be guilty.

If SOL passed, you might as well not pay it. That is just my personal opinion and in no way suggest that you personally not going to pay it back.

JoelC707
Premium
join:2002-07-09
Lanett, AL
kudos:5
reply to tdumaine

OK so to recap, I asked a very general question about the statute of limitations and gave no specifics. I gave no specifics because there are at least 4 different categories for SoL on debt and quite frankly I did not want it to be about any specific category (though I admit, in the beginning I didn't clarify I was talking about debt SoL).

When pressed for specifics I used one example from my own situation which happened to be CC debt. I pointed out how GA and AZ (the only two states I have officially lived in) have the same length on CC SoL so it simply does not matter in that case. I could have chosen another pair of states at random or another category (kinda wishing I had done either now....).

Your assumption that because I used a specific example from my own life, coupled with the fact I'm asking about this at all must mean I am dodging my debt is just that, an assumption. It is an incorrect one and you have been told this time and time again. And yet you continue to insist you're right and I'm wrong. WTF? Are you surprised I'm defensive now?

I have given you reasons why I would be asking about this. You chose not to accept them. Again, your problem not mine. You're not going to get any proof from me other than me telling you "you're wrong". If you think I'm going to show you some payment arrangement or anything along those lines you are sadly mistaken.


JoelC707
Premium
join:2002-07-09
Lanett, AL
kudos:5
reply to silentlooker

said by silentlooker:

said by JoelC707:

OK then, show me where I said I wasn't planning on paying back my debt. I want "my own words", not some assumption from you about this being about me or you just assuming that because I'm asking I must be guilty.

If SOL passed, you might as well not pay it. That is just my personal opinion and in no way suggest that you personally not going to pay it back.

This I completely agree with. Unless you an pay it all off in one lump sum and get verified proof the debt is paid, all you will be doing is restarting the clock on the SoL. Not a good thing to do at all. And thank you for not making assumptions.

tdumaine
Premium
join:2004-03-14
Seattle, WA

said by JoelC707:

said by silentlooker:

said by JoelC707:

OK then, show me where I said I wasn't planning on paying back my debt. I want "my own words", not some assumption from you about this being about me or you just assuming that because I'm asking I must be guilty.

If SOL passed, you might as well not pay it. That is just my personal opinion and in no way suggest that you personally not going to pay it back.

This I completely agree with. Unless you an pay it all off in one lump sum and get verified proof the debt is paid, all you will be doing is restarting the clock on the SoL. Not a good thing to do at all. And thank you for not making assumptions.

Either way, about you, about your dog, or about the imaginary bigfoot next door, same answers.

You or whoever are better off going for bankruptcy than to dodge them till the statute runs out

JoelC707
Premium
join:2002-07-09
Lanett, AL
kudos:5

Doesn't bankruptcy last about the same, 7 years or so? Regardless, I agree, bankruptcy does seem like the better course if you have a lot of debt and you have no way of repaying it. At least then the slate is wiped clean and all.


tdumaine
Premium
join:2004-03-14
Seattle, WA

Last i knew it was 7 years, but its been ages since ive kept up with the what it can and can not write off, etc

It's really the better option if the card company cant work something out (never hurts to ask).



silentlooker
Premium
join:2009-11-01

said by tdumaine:

Last i knew it was 7 years, but its been ages since ive kept up with the what it can and can not write off, etc

It's really the better option if the card company cant work something out (never hurts to ask).

it's 10 years and it's much worse compare to negative mark on your credit report which last only 7 years.