Unifund Suit Was Dismissed!
(West Palm Beach, Florida)
Unifund sued me with no notice on an old debt. The suit was dismissed over 2yrs ago because their lawyer never showed up in court after I secured representation. They have never refiled it.
I am now being denied a surety bond that I need for a work opportunity because this item is still on my credit report. I have disputed it on line but they have verified it and the credit bureau won't remove it.
Question is: What is the statute of limitations for refiling a lawsuit that was dismissed, is it 1yr after the suit was dismissed? Or does the original statute of limitations continue to run? Both of these time limits have run.
At this point in time, can I demand that they remove this item from my credit report and if not or they refuse, what are my options. This item and the underlying debt are due to fall of my credit report in the next few months but I need a bond now to get to work as my unemployment is going to run out. They are creating a real financial hardship for me. Please advise. Thanks.
Reply From DebtCollectionAnswers.com
What exactly does your credit report list? A collection account? Lawsuit? Judgment?
What is the original date of this debt (with the original creditor?) In other words, when did you first fall behind with the original creditor?