John
Louisville,#2Consumer Comment
Mon, December 15, 2008
This debt is WAY outside the statute of limitations for all 50 states...it is also past the allowable 7-year reporting cycle on credit reports....so they can't place this on your credit file . This is ancient, time barred debt....because of this, the collection agency is powerless over you....other than trying to scare/annoy you into paying. Technically, a debt collector can come after you forever...however, once the statute of limitations is up...they've lost the power to successfully take legal action. Per the Fair Debt Collection Practices Act you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity. Send the collection agency a letter via Certified Mail + Return Receipt stating: Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes: - a copy of the original signed contract with my signature - validation of the original "Date of Delinquency" for this alleged debt - validation of the "Date of Last Activity" for this alleged debt - validation that this alleged debt is within the statute of limitations. Per the Fair Debt Collection Practices Act, I am requesting that you cease all verbal communications with me about this alleged debt. Receipt of this letter is officially being time-stamped by the USPS. ----------------------------- * DO NOT sign your signature on any document that you mail to a debt collector. It could end up on a forged document that can be used against you. Simply type your full name.
John
Louisville,#3Consumer Comment
Mon, December 15, 2008
This debt is WAY outside the statute of limitations for all 50 states...it is also past the allowable 7-year reporting cycle on credit reports....so they can't place this on your credit file . This is ancient, time barred debt....because of this, the collection agency is powerless over you....other than trying to scare/annoy you into paying. Technically, a debt collector can come after you forever...however, once the statute of limitations is up...they've lost the power to successfully take legal action. Per the Fair Debt Collection Practices Act you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity. Send the collection agency a letter via Certified Mail + Return Receipt stating: Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes: - a copy of the original signed contract with my signature - validation of the original "Date of Delinquency" for this alleged debt - validation of the "Date of Last Activity" for this alleged debt - validation that this alleged debt is within the statute of limitations. Per the Fair Debt Collection Practices Act, I am requesting that you cease all verbal communications with me about this alleged debt. Receipt of this letter is officially being time-stamped by the USPS. ----------------------------- * DO NOT sign your signature on any document that you mail to a debt collector. It could end up on a forged document that can be used against you. Simply type your full name.
John
Louisville,#4Consumer Comment
Mon, December 15, 2008
This debt is WAY outside the statute of limitations for all 50 states...it is also past the allowable 7-year reporting cycle on credit reports....so they can't place this on your credit file . This is ancient, time barred debt....because of this, the collection agency is powerless over you....other than trying to scare/annoy you into paying. Technically, a debt collector can come after you forever...however, once the statute of limitations is up...they've lost the power to successfully take legal action. Per the Fair Debt Collection Practices Act you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity. Send the collection agency a letter via Certified Mail + Return Receipt stating: Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes: - a copy of the original signed contract with my signature - validation of the original "Date of Delinquency" for this alleged debt - validation of the "Date of Last Activity" for this alleged debt - validation that this alleged debt is within the statute of limitations. Per the Fair Debt Collection Practices Act, I am requesting that you cease all verbal communications with me about this alleged debt. Receipt of this letter is officially being time-stamped by the USPS. ----------------------------- * DO NOT sign your signature on any document that you mail to a debt collector. It could end up on a forged document that can be used against you. Simply type your full name.
John
Louisville,#5Consumer Comment
Mon, December 15, 2008
This debt is WAY outside the statute of limitations for all 50 states...it is also past the allowable 7-year reporting cycle on credit reports....so they can't place this on your credit file . This is ancient, time barred debt....because of this, the collection agency is powerless over you....other than trying to scare/annoy you into paying. Technically, a debt collector can come after you forever...however, once the statute of limitations is up...they've lost the power to successfully take legal action. Per the Fair Debt Collection Practices Act you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity. Send the collection agency a letter via Certified Mail + Return Receipt stating: Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes: - a copy of the original signed contract with my signature - validation of the original "Date of Delinquency" for this alleged debt - validation of the "Date of Last Activity" for this alleged debt - validation that this alleged debt is within the statute of limitations. Per the Fair Debt Collection Practices Act, I am requesting that you cease all verbal communications with me about this alleged debt. Receipt of this letter is officially being time-stamped by the USPS. ----------------------------- * DO NOT sign your signature on any document that you mail to a debt collector. It could end up on a forged document that can be used against you. Simply type your full name.