I don't beleive it is out of the SOL.
I read over some of the other entries on the forum before making my next step. Chane had an entry where he stated that "if you truly recieved goods and services, then you should pay them." I then realized that Capital One still had the account as active on their website and I slipped them a minium payment online. I also recall that I did have payment protection on the account and I did loose my job due to involuntary layoff late last year. Talked to the nice lady at payment protection and they are going to allow my benefits to cover, even retro actively. She stated that once Capital One sees this, they usually will forgive a whole bunch of fees and etc. on the accounts. Since I am dealing with the original grantor, they cannot repost the identical account to my CR and NCO is probably mad because they cannot make the money because Capital One is getting their's directly. I think I will send either a DV or CD letter to NCO, just in case.:cool:
Any suggestions? was this a strategic move in this chess game? :confused: