Trish,
This is a very interesting thread but I'm a little confused about the "modified" law as I live in Ohio. A few years ago, I fell behind on some credit card payments due to job loss and a couple of them were charged off. I made payments to two of the original creditors on what I owed. I also made a final payment to each with paid in full on the check. I have copies of the cancelled checks still. I tried to get one of the accounts removed or updated on my credit report but states they don't have to accept the payment in full and they are saying I still owe them over $200 which I guess is racked up interest and late fees. Do they have to follow the laws of the state that I live in?
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