Tim
Valparaiso,#2Consumer Suggestion
Mon, October 08, 2007
The validation that they send you will probably show that the debt is past the statute of limitations for legal collection actions. In Pennsylvania, most contracts have an SOL of four years. Signed, notarized contracts have an SOL of 20 years. Any agreement you had with AT&T probably falls into the 4 year category. Once you get the validation, fire off a letter: You are currently attempting to collect a debt from me from AT&T, reference # [insert their reference/file number]. I deny liability on this debt. Further, assuming for the sake of argument that this debt is mine, it is past the statute of limitations for collection actions in the State of Pennsylvania and, therefore, is also past the reporting time allowed under the FCRA. Please treat this letter as an order, per the FDCPA, to cease and desist any and all further communications regarding this debt with any persons. Any violation of this order, or any other violations of the FDCPA, FCRA, or any other relevant state or federal laws, will be treated as such and will subject your company to litigation. Send the letter by certified mail, return receipt requested. Best regards!