1st credit discharging debt

darlingdaisys

I have now so far in the past couple of weeks received numerous letters from 1st credit. These letters have been notification of assignment, and letters off 1st credit asking me to contact them to discharge the debt. 1st Credit purchased the debt in 2008.
What does the discharge of debt part mean please?

sourcrates

Hi,

Couple of questions :

(1) Have you ever been bankrupt ?

And was this debt included in that Bankrupcy ?

(2) If not, have you made any payment to this debt or acknowledged it in writing since 2008 ?

darlingdaisys

Thanks for the reply! I havent been bankrupt.... I was making regular payments to them and wiped 4k off the balance, but stopped making repayments towards it after I had my daughter 3 years ago as I couldnt afford it any longer.

sourcrates

The term is usually used to describe a release of liability for certain unsecured debt obligations resulting from a bankruptcy court order or a creditor by agreement with a debtor. Court ordered discharges renders the debt as unenforceable against the debtor.

That's why I asked if you'd ever been bankrupt.

What exactly does the letter say ?

darlingdaisys

I keep getting the same 2 letters off them over and over again! The actual one off 1st credit says they purchased the debt in 2008 and to contact them to discharge the debt. Thats what I can remember anyway, as I have chucked them in the bin, as I thought they are nust wanting me to contact them!