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Thanks for your reply and I appreciate it. But the hole in your theory is the fact that my letter to pay off the account was a year after (2015) the fact. The write off(1099) apparently took place in 2014. So my letter was not a factor upon what was already done. I never received an answer to...

I have been in the Philippines since 2003. Before I left the States I paid all my balances and came to the Philippines. I had one credit card but paid that off. I called the credit card company in 2006 and the man said that my account had been closed in 2006 for non-payment and the balance was...