Reviving Zombie Debt

About 15 years ago, I walked away from an American Express Card with about $3000 balance. They went after me and I ignored them and all the debt collectors for seven years until it fell off my credit report. Now, I have decent credit (820-range).

I currently have a Citi Hilton Visa card and am a member of the Hilton Rewards program. HIlton is transferring all of the members with Hilton Visas over to American Express. I just received my Amex card in the mail today, but have not activated it. Everyone will be converted on January 30 of this year.

I am worried that reestablishing a relationship with Amex could revive this debt that I owed (plus late fees and interest). Could Amex lawfully demand that I repay the debt, with interest, and ding my credit report if I activate the card and reestablish a credit relationship with them?

And, no, I do not want to do the right thing and pay what I owe them.

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Steal an identity

Problem solved

>Could Amex lawfully demand that I repay the debt, with interest, and ding my credit report if I activate the card and reestablish a credit relationship with them?
As a previous loan officer at Chase, yes, they absolutely can and absolutely fucking will.

They sold your debt apparently, you shouldn't have a problem

this. fuck the kikes and their credits.

Thanks. I will take this into consideration. I was reading the credit card agreement for the new one that Citi sent me, and it looks like they can do whatever the hell they want: transfer my debt; demand payment in full; etc. Even though I am sure that there is a statute of limitations for collecting on a debt in the civil code, I am also sure that the credit bureaus would be happy to ignore my pleas to remove a new ding from Amex...

May have to stop staying at Hilton Hotels and just stick to IHG and Marriott.

MAX OUT THE CARD AND FUCK THEM OVER AGAIN

When collections comes after you, it means the debt holder has sold the debt to them. At this point, Amex doesn't think that he owes them shit. As for whether they'll extend credit to him again, the answer is probably no. I say probably because AmEx is as greedy as anyone else and might see his score as enough to counterbalance any flag on his identity.

Just pay for founderscard and get HH Gold without a shitty CC.

>Wilfully takes a loan from Jews
>How dare they demand I pay them back

The audacity! Shameful!

funniest thing i've seen all night

They have already sent me the new AMEX card. I just haven't activated it yet. Hilton sent out letters announcing the switch to AMEX from Citi Visa and also stated that there would be no hard credit pulls. This might mean that I am just getting another Amex card through some other little-known backdoor (I have also read of people on the Amex "blacklist" by being added to someone's account as an authorized user).

Maybe when/if I were to attempt to activate the card, they might figure things out..?


LOL...I'd be fucking myself over just as much in higher interest on a mortgage I hope to take out in the next year.

>he has a variable apr

Yes but they will still keep records on you and black list the fuck out of you.

Google statute of limitations on debt.
Nuff said.
Don't acknowledge the debt AT ALL. AT ALL. YOU NEVER EVER TOOK THAT LOAN OUT AT ALL EVER YOU HAVE NO IDEA WHAT THEY ARE TALKING ABOUT.

If you acknowledge the old debt at all, the 7 year timer on the statute of limitations starts again.

t. debt collector.

PS: Try not being such a financially retarded dumb shit in the future. You're just screwing yourself in the long run, retard.

>you must be an accredited investor to invest in these up and coming profitable things!
>loan? take on as much debt as you like

what did they mean by this...

This guy is correct. If debt collectors were after you, then they probably bought your $3000 balance from Amex for $300-$600. As far as Amex is concerned that should be settled. Honestly though I’d try calling an 800 number and speaking with someone, without giving too many details. They may just help.

>And, no, I do not want to do the right thing and pay what I owe them.

Or.. You can just, you know, not take the loan. They aren’t forcing you to take the money. If you think it is right to steal money from Jews because they earn money from lending money to people who consent with their demands, you are nuts. You are a thief, no one but you profits from this.

Thanks for the tough love. My credit shit is in order now (just had to go through a round of Identity Theft hassle, though).

It seems pretty arbitrary about how a debt can be revived through this whole acknowledgement game.

Nobody is forcing them to lend the money to user, either. If they're worried about thievery, perhaps they should grow up and use smart contracts instead of magically inflatable fiat. Of course then they couldn't gamble customer savings on overleveraged markets...

Get the fuck out of here, why the fuck would he pay? The do-gooders on this board lately make me fucking sick.

You've entirely misrepresented my attitude. I just don't want to pay back the 15+ year old write off. They have their games they play and use credit laws to their advantage. I'm also attempting to use consumer credit laws to my advantage.

>Fucking do-gooders man, what a bunch of retards for not willingly scamming people.

I know it is hard for some of you fuckers to show emphathy but try to imagine a situation in which someone would borrow fiat from you in trust and this fucker would just go with the money and ignore you. I know this world is full of scum like that but you are no better than a common street shitter if you encourage and use these practises yourself.

Just eat shit asshole. Empathy for your enemy is why we have our enemies raping and killing children in our streets with no repercussions

Can you blame a wolf for killing sheep or the shepherd for leaving his sheep out in the open? It is our fault for thinking muslims can act like civilised people, they are merely doing what they’ve been doing for ages; chimping out. They are not our enemies, our enemies are the ones that let them in, lolbertarians and socialist scum. We need to kick all of the above out.

>Jew banksters
> the right thing

Just buy EGAS and hold it...13mil max supply and the price is sub $0.10 - at $1 it will only be 13mil market cap and even if it turns out to be a scamcoin thats still 10x returns.
Take a look@ coinmarketcap.com/currencies/ethgas/