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North Carolina Credit Repair
You have found the right website. Within these pages is an abundance of knowledge about the world of credit repair. If you need to get approved for a loan, fix bad credit, or just want to improve your credit score, then you have come to the right place. I hope that after reviewing some of these pages that you will entrust us with the task fixing your credit.
North Carolina Court websites:
|NC Court Home||NC Admin. Court Office||North Carolina Supreme Court|
|NC Court of Appeals||North Carolina Superior Courts||North Carolina District Courts|
|NC Family Courts||NC Court Structure Chart||North Carolina Small Claims|
North Carolina Statutes of Limitations:
Express or implied contract, not under seal: 3 years.
Contract and sale of personal property under seal: 10 years.
Open account: 3 years, NOTE: Each payment renews the SoL on all items purchased within the 3 years prior that payment. If no payment is made, the SoL runs from date of each individual charge. Contracts: From date of breach or default, unless waived or performance under the contract is continued.
Judgments: 10 years
Partial payment BEFORE the SoL expires renews the SoL from date of payment.
Payment AFTER SoL expires renews SoL ONLY if, at time of payment, circumstances infer the debtor recognized obligation to pay. Partial payment on open account restarts SoL on purchases made within 3 years of payment date, if acknowledgment can be inferred, starts the statute anew as to the full obligation acknowledged, even if all of the charges were not made within the last three years.NC Continued…
Partial payment by one debtor does not renew the statute of limitations as against any a co-debtor unless that co-debtor agreed to, authorized or ratified the partial payment.
Partial payments DO NOT affect the ten-year limitation on enforcing or renewing judgments.
Bankruptcy, Death or Disability: Filing of a bankruptcy tolls the statute of limitations for the enforcement of contracts and judgments.
The death, minority, disability or incompetence of a debtor also tolls the limitation period until such time as a personal representative of the estate or a guardian of the incompetent or minor is appointed.
Choosing a Credit Repair Company
It is hard to choose a credit repair company. Credit repair is a service and not a product. If you are buying a product – you want to shop for the lowest price. For instance – if you are buying a car or a phone, then by all means shop for the lowest price. What you are buying is a product. What you will get is that same product made in the same factory regardless of how much you pay for it. It’s not the same with credit repair. Credit Repair is a service. Different companies may give you different services or different levels of service. Let me give you an example of a service purchase. Your doctor is one such example. When you choose your doctor – was your first question, “How much is an office visit”? The answer I am sure is no. You may have wanted to know about his or her background, schooling, or experience. Price was probably a concern but certainly not the only factor. Another good example is auto insurance. Auto insurance is what I call a half product and half service. The product part is that you can get identical policies from different carriers. The coverage itself can be identical, the part that is service oriented is the claims process should you have a claim.
So what type of questions should you be asking when you interview a credit repair company? First, ask if they do certified mail. Ask if they will be writing to your creditors directly or just to the credit bureaus. Ask if those letters will be certified mail. Ask if those creditor letters will be coming from you or if they will intervene on your behalf as a third party. Ask if you have a tracking system where you can view your results. Ask what actions you will be required to perform during the process. Ask them about what results are typical with their credit repair company.
Be an educated consumer. Look for how long a credit repair company has been in business. Check their rating with the Better Business Bureau. Look for testimonials and samples of their work. Above all else: call and interview them. See if they are knowledgeable when you speak with them. Do you feel comfortable with them? Do you trust them?
Remember, your road to better credit and financial freedom will start with one step. Make that first step today – pick up the phone and start interviewing companies!
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Vernon, CT 06066