Quick question: POLL: When was the last time someone approached you and asked if you take Discover Card? Thanks for any comment. Second question.. I have one CA left on my report and figured it would be the most difficult to deal with so I've left it for last. I need some help from all of you that have dealt with traffic tickets before. My apologies in advance 'cause this post is a novel!.

FACTS:.

1.) 8 traffic tickets ranging from 11/99 - 6/01 (mostly parking violations) with the total amount of fines - $1433 (from the Muni Court DB).

2.) Also attached to the CA account is an NSF to a government agency from 2001 for $50..

3.) CA is asking for almost $3000 (before negotiation) to settle..

4a.) Here is how it appears on EX. I chopped off the CA info (just in case they read this post).

Status: Collection account. $1,022 past due as of Jul2008..

Status Details: This account is scheduled to continue on record until Nov 2010..

Date Opened: 06/2004.

Reported Since: 08/2004.

Date of Status: 07/2004.

Last Reported: 07/2008.

Account History: Collection as of Jul 2008, Aug 2004.

Type: Collection.

Terms: 1 Months.

Monthly Payment: $0.

Responsibility: Individual.

Credit Limit/Original Amount: $1,022.

High Balance: NA.

Recent Balance: $1,022 as of 07/2008.

Recent Payment: $0.

4b.) Here is my TC version of TU (some reason I can't get a digital TU report).

Responsibility: Individual.

Condition: Derogatory.

Original Balance: $1,022.

Balance: $1,022.

Date Opened: 06/15/2004.

Date Reported: 07/28/2008.

Remarks: Placed for collection.

4c.) Does not show on EQ report..

5.) Alleged tickets could "possibly".

Be mine..

6.) Court uses this CA for collections..

7.) I no longer live in the same state..

ACTIONS SO FAR:.

In May of this year, I contacted OC to arrange payment. I was lucky, they were having an amnesty period. I asked them to look up the tickets and I told them I would pay. They came back with one ticket for $53 and I asked them if that was the only one and they said that it was. I paid the $53 and they told me they would contact CA to mark as REMOVED. Fast forward to 11/09.

Spoke with a lady and she told me they never received notice from Muni Court that I had paid. I supplied her the ticket number and payment confirmation number and she said she would look into it..

A week or so later I received a letter from CA with all of violations and the amount owed. Nothing official looking so I called and asked her to give me more info and I received another letter a week later that had actual ticket numbers on it. Still nothing official, but I was able to look up the numbers in the Muni Court database..

This morning I called the Muni Court and explained my situation about trying to pay for the tickets during their amnesty period in May and they said they couldn't help me...I had to go through the CA. I also called the government agency to see if they had the NSF on their records and they did. After all of that, I called the CA to see if I could arrange for a PFD and they said they could not. I told her thank you and good-bye..

Which is why I'm writing. I need some advice. I'm looking for a way to deal with the possible legal issues while preserving my credit repair. I haven't had any problems with DL in my current state, but if these tickets are real, I'd rather deal with them now than have them hanging over my head. The way I see it, I have a few options:.

1.) I could pay the CA in full (don't really want to do that)..

2.) I could pay the CA for a negotiated amount..

3.) I could let them age-off in 11/10..

If I do number 2 (hehe), I could then work the CRA's to remove the entry. Is this my best approach? Are there any other options?.

Thank you so much to all that read this far..

This post has been edited by.

Smokey2008.

: 30 December 2009 - 01:40 PM..