I had a Chase credit card that was apparently sold to another company. That company has now pursued a lawsuit against me. I have not seen a bill from Chase or this other company in 2 years. I have called and was told I have to put my request for a statement in writing and also the payment arrangement I can do since they are wanting more then I can pay. Can you dispute all charges based on the fact that you have seen no prove of them in 2 years? I just want to get them settled and am already swallowed up in medical bills (the reason I was unable to pay the creditor). Tina T.

Dear Tina, Unfortunately, no, a valid dispute would not be not receiving a bill in two years. Disputes are generally regarding bills resulting from identity theft, stolen credit card or checking information, non-receipt of goods or services, goods or services that are not up to par, bogus charges, etc. However, you are entitled to a copy of the statement. This request can be put into writing and legally; the company must send you a copy. You may be able to dispute any finance charges that have incurred during this time and have the bill reduced to the original amount. Another suggestion is to ask for a settlement. Many credit card companies are willing to settle delinquent accounts for half of the bill. They may even allow you to split up this settlement into payments. The most important thing is to be strong and not commit to anything that you cannot pay. Come up with a payment arrangement that you can adhere to, and as the payments are made, the balance will decrease and seem more feasible.

Do YOU have a question for Melissa? Email her at melissa@dovcocs.

Melissa Douros Dovco Collection Solutions, Inc.

As the owner of Dovco Collection Solutions, Inc., Melissa Douros uses her eight years of being a collections specialists to offer advice and answer questions pertaining to debt collection. With running her own successful collection agency, she seeks to keep debt collectors accountable for their actions and in line with the law.