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dpant00
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Subject: Old debt trying to be collected
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Sat Nov 28, 2009 4:10 am
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I have a request for payment from a CA , on a debt that has expired (its 7 years old and Calif has a 4 yr SOL)- Is it better to ignore all their communication or to send a DV?
They noted on the request that if I didnt notify their office that I intend to dispute the validity in writing within 30 days, they would assume the debt as valid. I know that they cant sue me, but I don't want to reset the clock and I'd like minimal harrassment. . . |
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debranewell2008
Joined: 10 Oct 2009
debranewell2008's page
Posts: 605
89 Magic Points
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Sat Nov 28, 2009 1:13 pm
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Hi dpant00,
Do not pay on the debt because that will start the SOL all over again. You need to send the a SOL letter letting them know the SOL has past and they can not collect from you. Make sure to send it certified with receipt. So you have proof they got it. This should take care of it. Keep us posted. |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
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Tue Dec 01, 2009 7:07 am
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Hi Dpant,
The debt is already 7 years old. It is time that the debt falls off your report now. Paying the debt at this point of time would be unwise. You simply need to write a letter to the collection agency stating that the debt is past sol and it is also past 7 years time. Always send it through certified mail. If the CA still harasses you, then file a complaint against the CA with the FTC and the State Attorney General.
_________________
All the Best 
Justin |
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dpant
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Subject: Thanks everyone
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Sat Mar 20, 2010 3:42 am
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| So far I've just ignored them and I haven't heard anything new so far. . . hopefully I don't jinx myself! |
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