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craig70130
Premium Member
join:2004-04-27
New Orleans, LA

craig70130 to faughro

Premium Member

to faughro

Re: Collection Agency...What Is Typical?

said by faughro:

Payments do not re-age a debt. Once a dept is charged off - which normally occurs prior to going to collection - the charge off date is what is used to determine the seven years.

The 7 years should be from the date of last activity (meaning you making a payment), not the charge off date.

faughro
join:2007-04-10
New Port Richey, FL

faughro

Member

You are correct, for some states - I was stating for my home state of Florida the charge off date is considered the last activity date even if a payment is made after the charge off. I should have been more clear in the information I was providing.
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