ruggedmaker2 said:Look, if you’re convinced you don't owe them a dime, then dispute it. If they come knocking with a garnishment order, file an appeal... or just pay the damn small change you owe and get some peace of mind. It's your call. Don't make your own life harder than it needs to be.
If everyone just took the path of least resistance all the time, we'd all be getting bullied by those "consulting" firms—you know, the debt collectors.
Just hopped off the phone with them. Their line is that when the debt was bought back by Optime, it wasn't past due—and apparently, that’s the only thing that matters. What’s your take on that?
John Clark6 said:If the maturity date hit back in the seventh month of the 2013 billing cycle, then there's a 100% chance those charges are way past the statute of limitations. I mean, standard telecom bills from providers like T-Mobile typically expire after just one year. Honestly, I have no idea how anyone could have even linked a Zoo to this discussion.
So, I'm calling my cousin at Solvent later today to lay it all out for them—what do you guys think of that move? You think I should play this any differently?
John Clark6 said:Well, look—if you haven't signed anything specifically agreeing to a payment plan or otherwise "acknowledged" the debt in writing, they might not even be able to start the collection process. And even if they do try to initiate it, you could potentially file an objection based on the statute of limitations. It's entirely possible that these collection agencies play a bit of a shady game when it comes to debts that have technically expired—I mean, if I were in their shoes, I'd probably pull similar tactics too! Because, see, the moment you step up and say, "Hey, can I pay this off in installments?", you've essentially reset the clock on that statute of limitations.
Not sure if I officially acknowledged it or not. Last time they called (this past Friday), I told them I'd pay Monday (yesterday)—just wanted to buy some time to get answers here. Also, I actually paid one of these bills back in March of this year, for a bill from August 2013 (didn't really think I owed it, but figured it was better to just cough up the $67 than waste my life fighting it). So the bill is from July 2013—are you 100% certain it's past the statute of limitations?
John Clark6 said:And why the sudden interest? Are you actually involved in some collection action or something? I can't quite wrap my head around why this specific bill is weighing on you so much. From what I've seen, it’s actually pretty rare for bills to hit the statute of limitations window before things get moving—people tend to sit around calculating expiration dates, while the actual seizure proposal is already sitting on a desk at JP Morgan Chase. Sometimes they just don't hand it over immediately, and suddenly months have slipped by.
'cause I'm trying to figure out if I should pay up or not. I haven't been served anything yet, but the folks over at Prima Solvent keep calling me, saying they're about to move forward with a garnishment.
So, what am I supposed to do here? Since this bill is from July 2013, there’s one theory saying it's already expired—but then again, another says it's still valid.
John Clark6 said:Oh, don't even worry about thanking me—honestly, if I gave you the wrong info, that's on me! But here's the deal: the statute of limitations is just one year. That is, of course, assuming nobody has already gone ahead and sent a proposal for enforcement to a notary public.
They haven't sent anything to the notary yet—checked on it two days ago.
Got an Optimiz bill from July 2013—is this thing officially dead yet? I’ve seen conflicting stuff online saying the statute of limitations for this kind of account is one year, but then other places say five.
stormywolf39 said:Also, maybe look into installment plans so you don't have to drive all the way uptown—honestly, I couldn't tell you off the top of my head what they offer.🙂
Yeah, that's exactly the point. 🙂 I was hoping someone here would already know, but yeah—I'll give them a call and check.
So, how am I even supposed to set up an installment plan? I’ve never done this before—plus, living out here in Sedona, there aren't exactly a ton of decent tech shops nearby.
Scored this sweet mouse on eBay for a steal. My Logitech is basically on its last legs, so I gotta swap it out.
Thinking about picking up this thing. What's the verdict on the build quality? I'm not exactly a pro gamer or anything—ultra precision isn't really my vibe. Think this will handle my pretty much minimal needs :P ?
Hey everyone! Let's lay this out: The guy (Person A) is O negative. The woman (Person B) is A positive.
So, we're looking at different Rh factors here. Does that mean it's harder for her to get pregnant, or that she'll need those shots during the pregnancy? And seriously, how much does this actually tank the chances of conceiving?
Looking for some 5.1 system recs—ideally with two wireless satellites 🙂 Also, if it’s got a digital output, that’d be killer. Not a total dealbreaker though.
Hey everyone. So here's the deal—I'm planning to install a penultimate Windows 7 build (the one where you can use a patch to get that new taskbar and superbar working). My setup is a Core 2 Duo T2400 running at 1.83 GHz on a laptop, integrated graphics, and 2 GB of 667 MHz RAM. The machine is an HP 530.
Do you think Windows 7 will run smoothly on this rig since I don't have a "real" dedicated GPU? I've heard all the apps run just fine... and that Windows is actually pretty solid.
Also, will I be able to upgrade easily once the next builds drop?