This account in an old credit card debt, I cancelled it in 2002 due to the fact do to a late charge that I disputed..they continued to charge the account $60. a month. My 2004 Credit report states: Opened 4/02 most owed $490. they closed account 4/03 with a Past Due $1272.
The statute of limitations in CO is 6yrs. this acct. will expire 3/2009. present complaint for same debt. states balance is $995.21 plus interest of $976.35 and attorneys fees of $400. for a total amount due of $2,271.56. plus court costs of 19.8% annum. The principal has risen to this level through overages of $60.00 per mo. for late and over the limit fees...in a phone call recieved from the firm I explained my financial situation. His reply was they would get a judgement against me.
A recieved a summons to appear in Civil County Court Jan. 17/08. I wrote to the Judge by Certified mai and filing fee of $55.00 I explained that I was unable to attend the hearing due to the fact that I am 67yrs old, disabled & unable to drive the distance and could not afford a cab. also that I am unable to pay anything on this. My income is Social Security Disability and Old Age Pension. This attorney knows this, I have to attachable income or assets I cannot pay them anything I have nothing of value.
I now recieved a letter
I understand that there was a class action suit against this person and firm. How can I participate in this?
I will appreciate whatever advise you can give me. Thanks in advance.
Sincerely,
Chantelle
Denver, Colorado
U.S.A.